Health insurance @ work

[Yreka]

Originally posted by: GrantMeThePower

Originally posted by: Yreka
Work pays quite a bit of mine.. Last time I looked, the cost ( health only, not counting dental/vision) is about $800 per month company paid, and about $100 from me.

The company used to pay 100%, but costs became too high.

How did you feel when they changed that policy?

Of course, I thought it sucked but I understood. I know the company wasn't doing it to screw us over, but they can only outlay so much. I had watched year by year as the costs rose, and the coverages dropped, I figured it was inevitable.

When you look at the health care industry, and whats going on with insurance, premiums,etc its pretty hard to fault an employer for having to make changes. If I were in your position, I would try to provide numbers to this affect.

If the employees are still really upset about it, then I would invite them to direct that energy at the healthcare crisis and fixing it, rather than being bitter at the middle man ( employer).

All being presented in a super PC, tactful way of course

 

[Modular]

I pay a certain amount per month pre-taxes. Then there's a deductible of say $500. After that they pay 80% of all costs up to an out of pocket max. I never have to pay more than the out of pocket max + deductible + premium per check.

 

[IGBT]

..I have retirement med too. But don't have retirement dental.

 

[GrantMeThePower]

Originally posted by: Modular
I pay a certain amount per month pre-taxes. Then there's a deductible of say $500. After that they pay 80% of all costs up to an out of pocket max. I never have to pay more than the out of pocket max + deductible + premium per check.

Any contribution from the employee would definetly be pre-tax dollars.

 

[Turin39789]

I work for a health insurance company and they pay the large chunk, but i still have to pitch in a few dollars

 

[Skeeedunt]

The UC system has a tiered setup - if you make <$40,000 you pay $X, $40,000-$80,000 you pay $XX, etc (approx figures). I'm currently in the lowest tier, paying something like $17 a month while they list their contribution as ~$350. I'm about to get a raise though and jump tiers, but I think it's still only about $40. Seems fair, but probably a lot of trouble to implement for a smaller company.

The thing I really like is that they have four or five good options, including a few PPO's (at higher rates), so you can pick what you want.

 

[Engraver]

Blue Cross Blue Shield plan that costs about 300-400 a month. My work pays the whole shabang.

 

[thepd7]

Originally posted by: Rage187

Originally posted by: GrantMeThePower

Originally posted by: Gibson486
It is really hard to find a job that pays for all your insurance today. I think the avg is 75% paid.

Where do you get that information?

I've worked for 2 large software companies and my wife works at a state hospital and every ob either of us have had it's always been you pay a portion of your own plan.

The last company I worked for you paid 1% of your total salary for you. 1.5% for you and your spouse and 2% for you whole family. This way the guys upstairs help offset the cost of the guys downstairs.

That's what I have seen too and I just got a job so I looked at all the companies I interviewed with.

The one I accepted it's $10/mo for a good plan, $36/mo for the premium (100% no deductible all that).

I am guessing that means they are paying ~90%, but at the other companies I looked at it was more so my best guess would be they were paying about 75%.

 

[Xavier434]

Where is the option where my workplace pays for 100% of my plan and then adds the left over cash to my paycheck since the cost of the plan I picked is less than the amount they commit to pay per employee? I get an extra $15 per paycheck and my plan is awesome.

Vista HMO Enhanced

I love working for the school district.

 

[edro]

Blue Cross Blue Shield
Our Share Is:
Single Coverage = ~$18 Week
Family Coverage = ~$54 Week

 

[GrantMeThePower]

Originally posted by: edro
Blue Cross Blue Shield
Our Share Is:
Single Coverage = ~$18 Week
Family Coverage = ~$54 Week

Is that a HMO or PPO plan?

 

[yuchai]

Originally posted by: GrantMeThePower

Originally posted by: Gibson486
It is really hard to find a job that pays for all your insurance today. I think the avg is 75% paid.

Where do you get that information?

He's about right on. Check out this survey (scroll down to exhibit 1)

http://www.towersperrin.com/tp...0070924/2007_09_24.htm

 

[shortylickens]

I have an excellent plan. Work pays about 98% for health and 60% for dental.

Looking around the country I think I am in the minority.

 

[ultimatebob]

They pay 100% of my plan, but the plan itself only pays for about 85% of my medical and dental costs.

 

[Gunslinger08]

My premiums are completely paid for by my employer.

 

[Regs]

I pay about 3 dollars a pay check (for god knows what reason) for health and dental. I'm covered for everything, including 500,000 for heart surgery or transplant.

 

[Chryso]

My portion, which covers the entire family, is about 440/month. :\

 

[Regs]

Originally posted by: Chryso
My portion, which covers the entire family, is about 440/month. :\

Doesn't sound like they subsidize much.

 

[Chryso]

Originally posted by: Regs

Originally posted by: Chryso
My portion, which covers the entire family, is about 440/month. :\

Doesn't sound like they subsidize much.

I think my part is right about half.
Apparently they negotiate like crap.

 

[Regs]

Originally posted by: Chryso

Originally posted by: Regs

Originally posted by: Chryso
My portion, which covers the entire family, is about 440/month. :\

Doesn't sound like they subsidize much.

I think my part is right about half.
Apparently they negotiate like crap.

Apparently. I worked for temp agencies who did better than that.

 

[GrantMeThePower]

Morning bump for more votes...thanks guys.

 

[Uppsala9496]

Originally posted by: Chryso

Originally posted by: Regs

Originally posted by: Chryso
My portion, which covers the entire family, is about 440/month. :\

Doesn't sound like they subsidize much.

I think my part is right about half.
Apparently they negotiate like crap.

I used to underwrite health insurance.
Is your company on the smaller side? Negotitations really don't play that big a part for small companies. If your company is not self-funded, you are really at the mercy of the charge from the insurance company. The rates are really dictated by the loss history and employee breakdown (age, gender, etc,).

 

[Chryso]

Originally posted by: Uppsala9496

Originally posted by: Chryso

Originally posted by: Regs

Originally posted by: Chryso
My portion, which covers the entire family, is about 440/month. :\

Doesn't sound like they subsidize much.

I think my part is right about half.
Apparently they negotiate like crap.

I used to underwrite health insurance.
Is your company on the smaller side? Negotitations really don't play that big a part for small companies. If your company is not self-funded, you are really at the mercy of the charge from the insurance company. The rates are really dictated by the loss history and employee breakdown (age, gender, etc,).

I think that the problem is that retirees are grouped in with employees for negotiations.

 

[Don Vito Corleone]

Originally posted by: child of wonder
My job pays 60% of the premium.

 

[GrantMeThePower]

Originally posted by: Uppsala9496

Originally posted by: Chryso

Originally posted by: Regs

Originally posted by: Chryso
My portion, which covers the entire family, is about 440/month. :\

Doesn't sound like they subsidize much.

I think my part is right about half.
Apparently they negotiate like crap.

I used to underwrite health insurance.
Is your company on the smaller side? Negotitations really don't play that big a part for small companies. If your company is not self-funded, you are really at the mercy of the charge from the insurance company. The rates are really dictated by the loss history and employee breakdown (age, gender, etc,).

We have 75 employees. I dont know if that classifies as "small" but its small enough that we dont have much negotiation power. We are self funded.