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post #1 of 92 (permalink) Old 12-29-2010, 01:40 PM Thread Starter
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medical insurance, pissed

What a day. A part of my job is breaking the bad news from up top to the 20 folks who work for/with me. Short story is that out typical insurance rate that came out of our checks after the company sponsored part was about $70 every 2 weeks. With the new insurance it is going to be a min. of $160 out of pocket every 2 weeks. Un-fucking real. Many of the folks in the manufacturing area are barely making double digits per hr to begin with. 75% of them have decided to drop the insurance due to cost. Really sucks and is sad. But I guess when you are barely making your rent and bills you cannot expect to give 30% of your take home towards health insurance and still expect to eat. The president of the company didn't even entertain to kick in another cent to help soften the blow. I am not privy to the sales #'s but this year I have seen a lot more product go out the door.

As for me, i am going to take the insurance for only a month until I get my own insurance outside the company. Did the research and I can get cheaper rates and better coverage. One reason our rates are so high through work is that we do have some older demographic and one person who is critically ill with months left, another sad situation. Man, what a bummer of a day.
Guess this is another extra push I need to look for a better job in 2011.

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post #2 of 92 (permalink) Old 12-29-2010, 01:42 PM
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Those costs are very reasonable if thats for decent coverage. Really, for any coverage

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post #3 of 92 (permalink) Old 12-29-2010, 01:43 PM
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post #4 of 92 (permalink) Old 12-29-2010, 01:44 PM
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Ours is more than double that for the 'shit' plan. I do my part though and make sure those insurance companies make every fucking little cent they are entitled to make; otherwise the terrorists will win.

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post #5 of 92 (permalink) Old 12-29-2010, 01:45 PM
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BTW: The "old demographic" and one critically ill person did not make your rates double.

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post #6 of 92 (permalink) Old 12-29-2010, 01:55 PM Thread Starter
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Quote:
Originally Posted by Kegger View Post
BTW: The "old demographic" and one critically ill person did not make your rates double.
I agree, and I do not mean "older demographic" as a cocky thing. I am 37 so I am no spring chicken but we do have more people over 50 than under 25. Would guess that if everyone was 30 and under the rates would be so low it would be laughable.

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post #7 of 92 (permalink) Old 12-29-2010, 01:57 PM
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Quote:
Originally Posted by kegger View Post
here is the address for you to send the thank you card:

1600 pennsylvania avenue nw, washington dc 20500.
+1




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post #8 of 92 (permalink) Old 12-29-2010, 01:58 PM
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I agree, and I do not mean "older demographic" as a cocky thing. I am 37 so I am no spring chicken but we do have more people over 50 than under 25. Would guess that if everyone was 30 and under the rates would be so low it would be laughable.
Nope - they are preparing for the Obabmacaust.

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post #9 of 92 (permalink) Old 12-29-2010, 02:04 PM
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But wait obamacare was supposed to save us all and make healthcare affordable to everyone lmao!




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Government's view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.

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post #10 of 92 (permalink) Old 12-29-2010, 02:07 PM
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I went shopping for a health insurance plan right before I lost my job. While I was able to find a policy that was less than going COBRA (but with a premium that was still twice what I was paying before), the deductible was twice as high... and with fewer benefits.

I'm just glad that I am in good health. I'd have gone without (and still might) but with my luck would end up getting hit by a bus or something.

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post #11 of 92 (permalink) Old 12-29-2010, 02:08 PM
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Its like the Holocaust, but the only people suffering are the Benjamins in our bank accounts.

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post #12 of 92 (permalink) Old 12-29-2010, 02:18 PM Thread Starter
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Not sure what the cost would really be but I would be in favor of single payer.
Just take it out of everyone's check just like social security and fed tax. If everyone who works pays into it I would imagine the rates would be considerably cheaper than what private companies are charging from only a few.

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post #13 of 92 (permalink) Old 12-29-2010, 02:18 PM
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Quote:
Originally Posted by KBOlsen View Post
but with my luck would end up getting hit by a bus or something.
ok you really shouldnt have said that , you know how these things work

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post #14 of 92 (permalink) Old 12-29-2010, 02:21 PM
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Not sure what the cost would really be but I would be in favor of single payer.
Just take it out of everyone's check just like social security and fed tax. If everyone who works pays into it I would imagine the rates would be considerably cheaper than what private companies are charging from only a few.
Yeah, kinda like how well medicare is working. Great idea!

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post #15 of 92 (permalink) Old 12-29-2010, 06:50 PM
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My coverage is $200 a month for my family, but it's pretty decent coverage. Next union contract the cap for insurance for us to pay will be $250 a month.
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post #16 of 92 (permalink) Old 12-29-2010, 06:56 PM Thread Starter
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My coverage is $200 a month for my family, but it's pretty decent coverage. Next union contract the cap for insurance for us to pay will be $250 a month.
That is really good. Mine would be $320 out of my pocket per month just for me.

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post #17 of 92 (permalink) Old 12-29-2010, 06:58 PM
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It's BCBS ppo.
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post #18 of 92 (permalink) Old 12-29-2010, 08:07 PM
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During my stint of unemployment, I was able to find a family rate (me + spouse +child) with BCBS PPO for around $250 per month. It had a higher dedctible than my work plan ($1500/$3000).

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post #19 of 92 (permalink) Old 12-29-2010, 09:03 PM
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When I worked for Tribune Co, my monthly contribution for health insurance was about $300 back in 2005 for one person - me on BCBS.

Double-Digit percentage increases for health premiums have been going on for about 5 years or more now. The new health care law has very little to do with it.

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post #20 of 92 (permalink) Old 12-29-2010, 10:37 PM
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i know how youre feeling dude, my new insurance drops my kick in rate form 38/week to 5 a week, the coverage does essentially the same except that the pres of my company get to make money off of it since he is a trustee for the trust fund "insurance" scam thing, i cant even opt out

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post #21 of 92 (permalink) Old 12-29-2010, 10:45 PM
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Quote:
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My coverage is $200 a month for my family, but it's pretty decent coverage. Next union contract the cap for insurance for us to pay will be $250 a month.
I'm about in the same boat as that. But you have to understand you and I work for large companies. The little companies are who take the hit way more. On top of paying higher insurance, chase just recalculated my escrow and my mortgage payment went up 30 bucks a month. It's coming from all different angles. Clowns to left of me, jokers to the right.... Here I am, stuck in the middle with no money to spend on motorcycle racing.

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post #22 of 92 (permalink) Old 12-29-2010, 11:47 PM
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8 years ago our medical insurance was free.
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post #23 of 92 (permalink) Old 12-30-2010, 01:02 AM
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a lot people tell me not to quite my crappy job cuz i got good benefits. Hard to do especially with the economy being bad, and the government going in the hole.


Listened on the radio today, how the middle class is really hurting now, and the lower class that gets the hand outs are the winners.
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post #24 of 92 (permalink) Old 12-30-2010, 01:07 AM
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Quote:
Originally Posted by taledarkside View Post
a lot people tell me not to quite my crappy job cuz i got good benefits. Hard to do especially with the economy being bad, and the government going in the hole.


Listened on the radio today, how the middle class is really hurting now, and the lower class that gets the hand outs are the winners.
Gotta be honest here, after all these years I didn't know you had a job. I thought you just hung out in the park feeding pigeons and mumbling




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post #25 of 92 (permalink) Old 12-30-2010, 01:10 AM
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Gotta be honest here, after all these years I didn't know you had a job. I thought you just hung out in the park feeding pigeons and mumbling
OH SNAP

now i have to make a CLSB donation, and my fieroz broke. bad enough I have to pay 100 dollars to put a plate sticker on it. iz remember when it use to be 70 dollars fawkig democrats
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post #26 of 92 (permalink) Old 12-30-2010, 01:31 AM
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make 250% the tag sticker price donation and help them out.

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post #27 of 92 (permalink) Old 12-30-2010, 01:48 AM
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make 250% the tag sticker price donation and help them out.
Fuck it, make it 350% for the year. T&O: You're welcome.

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Last edited by Arch; 12-30-2010 at 02:12 AM.
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post #28 of 92 (permalink) Old 12-30-2010, 06:48 AM Thread Starter
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Some good news, called blue cross yesterday afternoon and was able to get immediate (3-4 day wait) temp ppo insurance for less than $100 to hold me over until I get the regular one through them which can take 14-25 days for approval. Now I can decline the insurance at work that was going to carry me over for the month of limbo. Saving over $230. The folks over at blue cross IL were super helpful and knew their shit. The rep suggested this temp plan that I did not even know was available. I was never on hold more than 2 or 3 mins and I dealt with the same guy each time who is in downtown Chicago (not India).
Still in a bummed mood though for the people that I work with and that work for me. So many are dropping with no plan B to fall back on.
Meanwhile the pres. of the company is spending hundreds of thousands next week for the stupid trade show in Vegas. All a big dog and pony show, no deals really get booked there. More of a ego stroking exercise. I dread going.

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post #29 of 92 (permalink) Old 12-30-2010, 06:59 AM
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Quote:
Originally Posted by Dave13 View Post
My coverage is $200 a month for my family, but it's pretty decent coverage. Next union contract the cap for insurance for us to pay will be $250 a month.
union/guys in the trade have the best insurance out there for the most part.

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post #30 of 92 (permalink) Old 12-30-2010, 07:15 AM
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union/guys in the trade have the best insurance out there for the most part.


Yep, a darn good reason to be pro union, you can see the trend just like Under200 posted of many companies unwilling to pay for health insurance cost and increases and pass most of the cost to the employees. Since most employees wages aren't increasing, they will have to do without or get private coverage that offers less for more money . I am happy the company I work for that disposes of medical waste has continued to pay most of the cost and only charges us 55/month for health and dental.

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"Ride it like you have 30 monthly remaining payments" should keep most people out of trouble.
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