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Tentative Agreement
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<blockquote data-quote="UpstateNYUPSer(Ret)" data-source="post: 1135720" data-attributes="member: 12570"><p>Co-pays and deductibles tend to make you think twice before seeking medical care and are very effective in reducing healthcare costs. Our union local implemented $10 doctor office and $100 ER visit co-pays several years ago and our overall healthcare costs have gone down dramatically. While a $10 co-pay may be neglible $100 will certainly make you choose whether to go to the ER or to wait until the following morning to see your doctor. Prior to the ER co-pay, which is waived if you are admitted, guys were going to the ER for sniffles and minor cuts (we don't have after-hours urgent care facilities in our area---after 7 pm the ER is pretty much all we got)----since the co-pay these same guys are waiting to see their regular doctor.</p><p></p><p>Switching from the company plan to a Teamster plan will be an adjustment but if you are a smart consumer you will notice very little difference. My out of pocket for medical in 2012 was a little less than $200 and this was because I decided to get the Rx in my back-up glasses updated. ($225) If I had not done this I would have actually made a small profit. (Thanks, Combined!) No, you will not be able to run to the doctor's for every little scrape, bump or bruise, nor will you be able to get the latest pair of designer frames and, yes, you may have to settle for generic drugs but you will get your teeth checked and cleaned twice a year and your eyes checked and a new pair of glasses once a year, both for free (if you choose a participating provider).</p></blockquote><p></p>
[QUOTE="UpstateNYUPSer(Ret), post: 1135720, member: 12570"] Co-pays and deductibles tend to make you think twice before seeking medical care and are very effective in reducing healthcare costs. Our union local implemented $10 doctor office and $100 ER visit co-pays several years ago and our overall healthcare costs have gone down dramatically. While a $10 co-pay may be neglible $100 will certainly make you choose whether to go to the ER or to wait until the following morning to see your doctor. Prior to the ER co-pay, which is waived if you are admitted, guys were going to the ER for sniffles and minor cuts (we don't have after-hours urgent care facilities in our area---after 7 pm the ER is pretty much all we got)----since the co-pay these same guys are waiting to see their regular doctor. Switching from the company plan to a Teamster plan will be an adjustment but if you are a smart consumer you will notice very little difference. My out of pocket for medical in 2012 was a little less than $200 and this was because I decided to get the Rx in my back-up glasses updated. ($225) If I had not done this I would have actually made a small profit. (Thanks, Combined!) No, you will not be able to run to the doctor's for every little scrape, bump or bruise, nor will you be able to get the latest pair of designer frames and, yes, you may have to settle for generic drugs but you will get your teeth checked and cleaned twice a year and your eyes checked and a new pair of glasses once a year, both for free (if you choose a participating provider). [/QUOTE]
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