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UPS Union Issues
UPS part time plan vs Teamcare
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<blockquote data-quote="Bagels" data-source="post: 1139662" data-attributes="member: 43436"><p>I think you're making some faux assumptions. What you posted reiterated my belief that emergency room visits will still be covered at 100% -- but now just within 24 hours (the veribage mentions 'current coverage: waived within 72 hours of accident.') It appears accident is just a broad term. If you're having warning signs of a heart attack, it's still going to be covered in full. What's not being covered is non-emergency visits to the emergency room ... "sore throat, high fever or the flu" can be treated at urgent care, or the following day at your doctor's, for several hundred dollars less than at the ER, hence what the plan is attempting to discourage.</p><p></p><p>I personally know numerous people who utilize the ER because, for example, their 4-year-old son has a cold. These visits run up the cost of health care, and are what most insurances are attempting to do away with. My parent's Medicare Advantage plan covers ER visits in full ... but when you use the ER for non-ER reasons, you're stuck with the bill up to $250, then pay 50% of the rest. It's not an uncommon practice, the $25 benefit we had was overly generous and often abused.</p></blockquote><p></p>
[QUOTE="Bagels, post: 1139662, member: 43436"] I think you're making some faux assumptions. What you posted reiterated my belief that emergency room visits will still be covered at 100% -- but now just within 24 hours (the veribage mentions 'current coverage: waived within 72 hours of accident.') It appears accident is just a broad term. If you're having warning signs of a heart attack, it's still going to be covered in full. What's not being covered is non-emergency visits to the emergency room ... "sore throat, high fever or the flu" can be treated at urgent care, or the following day at your doctor's, for several hundred dollars less than at the ER, hence what the plan is attempting to discourage. I personally know numerous people who utilize the ER because, for example, their 4-year-old son has a cold. These visits run up the cost of health care, and are what most insurances are attempting to do away with. My parent's Medicare Advantage plan covers ER visits in full ... but when you use the ER for non-ER reasons, you're stuck with the bill up to $250, then pay 50% of the rest. It's not an uncommon practice, the $25 benefit we had was overly generous and often abused. [/QUOTE]
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