What if it is a Bill for Retired Persons Children?? (Future)
Anyway, guess we will just have to see, as everyone gives different answers, can't seem to find the Truth...
People saying they have $3K ER bills, and People saying they don't pay a Dime. Which I know they have a deductible / Co Pay on CS... (Yes this was someone already in CS plan)
Because it's all bull spit. On TEAMCare's website, the C6 plan (persons migrating from company-controlled insurance will have an enhanced plan, which is being circulated throughout this website) and Summary Plan Description. TEAMCare breaks health care into two categories: basic, and major medical. Basic services are typically covered for either a co-pay
or at 100% (some exceptions) after the deductible has been met. Major medical is a broad term being used by TEAMCare for "everything else," its covered at 80%. In the C6 plan, both basic & major medical services are subject to a single, combined $1000/$2000 annual out-of-pocket limit (which includes your deductible). Most any reason you have to seek medical treatment will be covered by basic services. "Minor" medical does not exist in TEAMCare.
#1) TEAMCare (CS) has a plethora of health plans. Some do not have out-of-pocket limits for major medical. C6 (and its enhanced version) clearly does.
#2) For all but a handful of UPSers, their family medical care will quality as "basic services." If they plan carefully, the ONLY difference between the current plan & EC6 will be the deductible -- they may actually save money on lab/diagnostics.
#3) TEAMCare uses a plethora of regional providers. In my area, FTers have a combination of Aetna and BCBS IL -- the EXACT SAME providers PTers in company-controlled plans have.
#4) ALL TEAMCare plans cover pre-existing conditions. Postings such as the OP are fictitious.
#5) ALL insurance plans have limits of what is & is not covered. UPS determines MAJOR procedures for its company controlled plans, CS determines it for its. MAJOR procedures are things like dental implants, transgender reassignment, etc. Coverage of day-to-day procedures is determined by your provider (e.g. Aetna, BCBS, etc.), although you can appeal toward your plan administer.
#6) NEARLY ALL UPSers I converse with in TEAMCare think it's EXCELLENT insurance. It's a small minority that complain about lack of what's covered, sky-high bills, etc. Yet despite how easy it is to take a picture of a bill & edit personal information out, few will do it. Of the confirmed cases:
- One was a person whose care went beyond the lifetime limit. ACA eliminated this, so it's a non-factor, but all insurances had them, including ours. I know of one PTer who's kid wound up in assisted living and she blew through the 500K lifetime within a year or two.
- One was a person who felt dental implants should be covered. They're not -- and few insurances do cover them (not even UPS's).
- One was a person who's family member was terminally ill. He sent that person to a facility that was not covered. Unfortunately, these care providers typically feed off people's emotions, make false promises & then financially rape them. FEW, if ANY, insurances cover their voodoo "care." If I were in that position, I'd look for false hope too. But he KNEW TEAMCare didn't cover it, yet is adamant that he should go to whoever he wants for care. Unfortunately, insurances need to protect themselves against high-cost, no-result voodoo care providers.
People need to STOP this B.S. TEAMCare is EXCELLENT insurance that will come at a minimal additional cost compared to what we enjoy know. Non-union UPS employees covered by company-controlled plans currently pay $70+ weekly for family insurance that's inferior to what we will be getting.
Get over it.