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post #1 of 35 (permalink) Old 11-15-2010, 09:46 AM Thread Starter
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work provided health insurance

currently my work as health insurance via blue cross blue shield and its pretty decent coverage, Im seeing things that are saying we are having the insurance switched again... this time to some practically unknown entity that I had trouble finding anything information wise about on the internet

were going to this:
Central states joint board Health and welfare trust fund...
just the name sounds shady to me and im already nervous

anyone on here know anything about this organization... im seriously considering getting my own health insurance through a bluecross policy just to make sure im covered

-Jason
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post #2 of 35 (permalink) Old 11-15-2010, 09:50 AM
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High five obama for the switch!



sorry to hear, but who knows, maybe itll be better coverage.

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post #3 of 35 (permalink) Old 11-15-2010, 09:51 AM Thread Starter
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this isnt obama, its the people running my company, looking out for their pocketbooks rather than their employees

-Jason
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post #4 of 35 (permalink) Old 11-15-2010, 09:51 AM
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anyone on here know anything about this organization... im seriously considering getting my own health insurance through a bluecross policy just to make sure im covered

Good luck with that - I always shop buying insurance through BCBS when we do open enrollment. The rates have quadrupled since about 2006. I could no longer afford to do it if I wanted to. It used to be almost comparable to the workplace offered insurance, but not anymore. (This is for family coverage though, so maybe single person insurance hasnt been impacted so dramatically)

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post #5 of 35 (permalink) Old 11-15-2010, 09:52 AM
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this isnt obama, its the people running my company, looking out for their pocketbooks rather than their employees

Dont blame the company for the costs of insurance.

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post #6 of 35 (permalink) Old 11-15-2010, 09:53 AM
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Never heard of it but Blue Cross is the gold standard. We had it here and recently switched to Aetna which sucks. When we had Blue cross my doc never questioned anything, Aetna on the other hand has been a nightmare even getting a simple physical.
As for getting insurance on your own it is going to be VERY expensive even though you are young and healthy since your employer will not be kicking in anything and you also will not see any cost saving since you will not be in a pool. Example: your insurance prem cost 600 now at work. Your employer may be paying 200-300 on your behalf. You are left getting 300 taken out of your check. On your own you would be paying the full 600. Would wait and see how things shake out, before switching to a new insurance they will have to have you sign up. At this point you can choose to opt in our out.

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post #7 of 35 (permalink) Old 11-15-2010, 09:54 AM
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didn't they sue phillip morris?

edit: yep
http://tobaccodocuments.org/lor/98737723-7739.html

edit2: here are some of their financials
http://www.faqs.org/tax-exempt/IL/Ce...rust-Fund.html

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post #8 of 35 (permalink) Old 11-15-2010, 09:58 AM
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this isnt obama, its the people running my company, looking out for their pocketbooks rather than their employees
I still cant get past this comment. So, if you start a business, you will pay everybody's insurance and post a loss. I wanna work for you - at least while youre still in business for that 6 months anyway.

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post #9 of 35 (permalink) Old 11-15-2010, 09:58 AM
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Good luck with that - I always shop buying insurance through BCBS when we do open enrollment. The rates have quadrupled since about 2006. I could no longer afford to do it if I wanted to. It used to be almost comparable to the workplace offered insurance, but not anymore. (This is for family coverage though, so maybe single person insurance hasnt been impacted so dramatically)
We had Blue cross for over 5 yrs, each year it went up about 12%+. Total bullshit since I do not recall getting raises near that but you are right about their increases. They are criminal. Unless you work at Apple or Google the only way you wont see the rates go up is if your employer your employer absorbs the increase. Typically it is passed on to the employee though.
Single payer could elevate employers from this nightmare of being in the insurance business and let them concentrate on producing products.

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post #10 of 35 (permalink) Old 11-15-2010, 10:04 AM
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We had Blue cross for over 5 yrs, each year it went up about 12%+. Total bullshit since I do not recall getting raises near that but you are right about their increases. They are criminal. Unless you work at Apple or Google the only way you wont see the rates go up is if your employer your employer absorbs the increase. Typically it is passed on to the employee though.
Single payer could elevate employers from this nightmare of being in the insurance business and let them concentrate on producing products.
For awhile my employer went to a program where the higher your salary was, the bigger the percentage of your portion to health care was. I got a raise that year that kicked me into the next bracket and It really ended up being less take home pay (kinda like income taxes) - I told them to keep the raise, I dont want it.

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post #11 of 35 (permalink) Old 11-15-2010, 10:08 AM
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Originally Posted by Kegger View Post
I still cant get past this comment. So, if you start a business, you will pay everybody's insurance and post a loss. I wanna work for you - at least while youre still in business for that 6 months anyway.
That's what I was thinking. It's so funny to me, that the sky rocketing premiums, many of which are due to recent changes in coverage requirements for companies along with the impact of the legislation on the health insurance companies themselves, are blamed for some reason on the companies forced to deal with them.

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Single payer could elevate employers from this nightmare of being in the insurance business and let them concentrate on producing products.
Amazing to me how easily people fall for it. My premiums for insurance in '06 (I was single) were $17/mo. Went to $82 last year, before I left the company. Family premiums were over $300/mo THROUGH WORK PLANS! So much of this cost is fabricated in large part by government policies, and then the government turns around and says "look how much insurance costs now!!...we should take it over!"

All private companies are blood thirsty, evil profit mongers...but the government? ...the government is full of compassion, efficiency and integrity. Gimme a break

Money talks and bullshit walks though, so thankfully most of this nonsense is going away.

**Really don't want to have this debate again**

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Last edited by Cerk; 11-15-2010 at 10:12 AM.
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post #12 of 35 (permalink) Old 11-15-2010, 10:23 AM
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/|\ all this.



Plus an employer can only absorb so much of increase, thats why this new crap national welfare crap. Is crap.


15% increase at city of naperville next year, 25% the next for insurance costs. If a company doesn't profit, (or in this case the city where there are no profits) They are on a steady decline.

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post #13 of 35 (permalink) Old 11-15-2010, 10:35 AM
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Jason ask to see a copy of the policy. I'll gladly take a look at it for you. With have a kid with medical problems, one thing I'm good at is reading insurance contracts.

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post #14 of 35 (permalink) Old 11-15-2010, 10:52 AM
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My premiums for insurance in '06 (I was single) were $17/mo. Went to $82 last year, before I left the company. Family premiums were over $300/mo THROUGH WORK PLANS!
yep, mine is about 70/week for family coverage
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post #15 of 35 (permalink) Old 11-15-2010, 10:58 AM
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You know what really did it for my old company was the Obama legislation that required companies to carry insurance cost for laid off employees for one year. They went from 400 to 100 people in 2 years, so with that math they REALLY took it on the chin because of that condition. Combined with the increasing cost of insurance it really makes for a toxic situation.

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post #16 of 35 (permalink) Old 11-15-2010, 11:10 AM
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Hmmmmm....just see if your company/union can get a waiver:

Approved Applications for Waiver of the Annual Limits Requirements of the PHS Act Section 2711 as of November 1, 2010

http://www.hhs.gov/ociio/regulations...or_waiver.html

http://gatewaypundit.rightnetwork.co...-public-video/






Infuckincredible.

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post #17 of 35 (permalink) Old 11-15-2010, 11:17 AM
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Quote:
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Hmmmmm....just see if your company/union can get a waiver:

Approved Applications for Waiver of the Annual Limits Requirements of the PHS Act Section 2711 as of November 1, 2010

http://www.hhs.gov/ociio/regulations...or_waiver.html

http://gatewaypundit.rightnetwork.co...-public-video/






Infuckincredible.
Make the right campaign donations and your company can get a waiver.

So much for the rule of law.

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post #18 of 35 (permalink) Old 11-15-2010, 11:17 AM

 
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I love when people complain about businesses just lining their pockets.
Or, my company should just pay my family insurance or it shouldn't be more then $100 for a family of 4.

To be young and so naive again.

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post #19 of 35 (permalink) Old 11-15-2010, 11:19 AM
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Insurance companies and employers aren't supposed to make money. They're supposed to be charities for a bunch of little douchebags that grew up being told they're entitled. They're beautiful, unique snowflakes and the world owes them something.

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post #20 of 35 (permalink) Old 11-15-2010, 11:19 AM

 
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Quote:
Originally Posted by Cerk View Post
You know what really did it for my old company was the Obama legislation that required companies to carry insurance cost for laid off employees for one year. They went from 400 to 100 people in 2 years, so with that math they REALLY took it on the chin because of that condition. Combined with the increasing cost of insurance it really makes for a toxic situation.
Yeah, own your own business. Work from home. Work when you want. Take off all the days you want. Then you can choose your health insurance and make the RIGHT decisions. Unlike those idiots at your work.

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post #21 of 35 (permalink) Old 11-15-2010, 11:20 AM
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On the waiver thing:

If companies need a waiver from Obamacare to saty in business and keep people employed, isn't that an implicit admission that Obamacare had absolutely nothing to do with lowering costs, like the lying pieces of shit like Craze, et all, told us?

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post #22 of 35 (permalink) Old 11-15-2010, 11:21 AM

 
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Insurance companies and employers aren't supposed to make money. They're supposed to be charities for a bunch of little douchebags that grew up being told they're entitled. They're beautiful, unique snowflakes and the world owes them something.
Rep sent.

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post #23 of 35 (permalink) Old 11-15-2010, 11:30 AM Thread Starter
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im not expecting them to take a loss, its the atmosphere around here that makes me beleive what I said. this switch isnt really being talked about by anyone, it seems like its just going to happen all of a sudden. we switches companies previously and it was pretty much in the open what was happening.
if it sounds selfish on my part well... it is, im gonna do my best to make sure i dont get blindsided and f*ed over by this

Ive worked here since 2007, didnt see anything of a raise till just a couple months ago, 3%, there were a lot of people that were upset by it, and said whats the point, im just happy to get a little more at this point. last summer we were working 4 day weeks, im on salary and took a 20% cut for the summer missing a day of pay each week, i was fine with that too, better to take a 20% cut than lose a paycheck altogether, we were heavily "encouraged" to burn vacation days one at a time for each of the off days, it would have made for full paychecks but it also ate up almost everyones vacation, I opted to take the cut and save the days, caught some flack for that.

its the whole situation here that has me thinking this way that all, tired of giving anf giving

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post #24 of 35 (permalink) Old 11-15-2010, 11:34 AM
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Selfishness is a virtue.

Look out for yourself, and do what's right for you. There's not a damn thing wrong with doing that.

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post #25 of 35 (permalink) Old 11-15-2010, 11:36 AM
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Quote:
Originally Posted by gkotlin View Post
Yeah, own your own business. Work from home. Work when you want. Take off all the days you want. Then you can choose your health insurance and make the RIGHT decisions. Unlike those idiots at your work.
I'm not sure what you're driving at here.

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post #26 of 35 (permalink) Old 11-15-2010, 11:50 AM

 
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Everyone should be their own boss. You get all the vacation you want. You take all the profits. Your employees do all the work for you, while you go golf. You can choose a good health care provider for your employees, because clearly the people that do this at your company are idiots based on the decisions they made.

Thats what most people believe.

The truth is when you start your own business, you initially.
You do all the work your self. Management and staff.
You don't make nearly as much money at first as you thought.
You never get any days off.
You never have personal time, when someone wants service, they don't care if it's Sunday or your day off.
According to the customer, your hourly rates are to high (Because they believe the first paragraph)
You have to spend all the time choosing a health care provider that your employees complain about.
You have to pay taxes because you have employees.
You have to find enough work to keep people busy and can work.
If you have a conscience, you worry about keeping your staff busy.
Having possibly let people go.
Low productivity or employees that are not driven, like yourself.
When cash flow is low, you worry about how to keep the lights on.

It's just the grass is greener on the other side mentality. People bitch about things and really don't know what it's like.

CP how'd I do

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post #27 of 35 (permalink) Old 11-15-2010, 12:19 PM
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Jason, sent you a text.

It looks like an insurance buying co-op. They group a bunch of small companies into a large pool in order to get a cheaper rate on a group policy from Blue Cross / Blue shield. Not a bad idea, but you will be getting what they have determined to be the best group policy. You might loose coverage on some things, premium increase, etc. You'll have to look at the policy paperwork when you get it.
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post #28 of 35 (permalink) Old 11-15-2010, 12:52 PM
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Quote:
Originally Posted by Pilotx1 View Post
were going to this:

Central states joint board Health and welfare trust fund...
just the name sounds shady to me and im already nervous

anyone on here know anything about this organization... im seriously considering getting my own health insurance through a bluecross policy just to make sure im covered
Sounds like the Teamsters Union Health and Welfare fund.

The Google searches all point to the Teamsters HQ building.

Craig
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post #29 of 35 (permalink) Old 11-15-2010, 12:54 PM Thread Starter
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Sounds like the Teamsters Union Health and Welfare fund.

The Google searches all point to the Teamsters HQ building.
1950 west erie st chicago il 60622 312-738-0822 or 1800-258-6466

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post #30 of 35 (permalink) Old 11-15-2010, 01:50 PM
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Quote:
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Jason, sent you a text.

It looks like an insurance buying co-op. They group a bunch of small companies into a large pool in order to get a cheaper rate on a group policy from Blue Cross / Blue shield. Not a bad idea, but you will be getting what they have determined to be the best group policy. You might loose coverage on some things, premium increase, etc. You'll have to look at the policy paperwork when you get it.
That is what our place did. We did ours thru Paychex, they pool other small to mid sized companies to make a bigger pool to increase purchasing power. Our company chose Aetna. From our experience Blue Cross IL does not join these.
Aetna jsut sent us a letter last week saying that our premium is going to go up 84% come renewal time. Fingers crossed that we switch and go back to Blue Cross even if it is pricey.

Under200
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