Well, isn't this a kick in the nuts...

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Exterous

Super Moderator
Jun 20, 2006
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So I had expected our health insurance to go up but I was not expecting a 2,372% increase in costs

But at least we have options.
Plans get a progressivley higher deductable/copay/RX and annual out of pocket:
Option 2: 1,250% increase
Option 3: 530%
Option 4: 250%

To make matters worse some jackass decided to supplement families more so the two person is, on average, 20% MORE than the family plan! (I wonder what will happen if I check the family plan but only put in the two of us...)

They are not even trying to hide the fact that they did not use any lube, slapped my face when I meekly asked for a reach around and I HAD TO PAY FOR DINNER! :'(

Locked since so many made this political and since we already have a recent thread on premium increases here.
admin allisolm
 
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highland145

highland145

Lifer
Oct 12, 2009
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a_kick_in_the_nuts.jpg
 
Fritzo

Fritzo

Lifer
Jan 3, 2001
41,920
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Oof...someone in your company must have put you guys in another pricing tier. The way company insurance works is they put an average "risk" on the employees. If everyone is healthy, you get the best rates. If someone has a premature baby, gets into a serious accident, has to have brain surgery, etc, that may knock your average health status into the "risk" category.

We had a guy in our office that had a baby born 3 months premature, and then has been on special ventilation and nursing care for the last 4 years. His family healthcare costs were in the $1.5 million range, and therefore we were all having to pay $500/month for our high deductible insurance plans.

The company got smart and broke him off into his own policy. Now he pays that rate, and I'm rocking 80/20 family insurance with $10 prescriptions for $200/month.
 
Specop 007

Specop 007

Diamond Member
Jan 31, 2005
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dank69 said:
In the history of mankind, insurance rates have never increased until the Kenyan Mooslim took office.
Click to expand...

He sure did a good job of accelerating the rate of increase didnt he?

This is what happens when you have an empty suited leader backed by people with no experience outside of academics.

But fuck if he isnt a good speaker. He looks good, so we can feel good about him being our President! Thats whats important.
 
E

Exterous

Super Moderator
Jun 20, 2006
20,569
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Fritzo said:
Oof...someone in your company must have put you guys in another pricing tier. The way company insurance works is they put an average "risk" on the employees. If everyone is healthy, you get the best rates. If someone has a premature baby, gets into a serious accident, has to have brain surgery, etc, that may knock your average health status into the "risk" category.

We had a guy in our office that had a baby born 3 months premature, and then has been on special ventilation and nursing care for the last 4 years. His family healthcare costs were in the $1.5 million range, and therefore we were all having to pay $500/month for our high deductible insurance plans.

The company got smart and broke him off into his own policy. Now he pays that rate, and I'm rocking 80/20 family insurance with $10 prescriptions for $200/month.
Click to expand...


Yeah - not sure whats going on. We asked for answers but they just kept dodging and repeatedly blamed (in no particular order) Lansing, Congress, Obamacare, Insurance Companies

I had a longer post regarding my anger about the two person coverage vs family coverge but I started getting pretty pissed again before I was even half way done...
 
E

Exterous

Super Moderator
Jun 20, 2006
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dank69 said:
In the history of mankind, insurance rates have never increased until the Kenyan Mooslim took office.
Click to expand...

I was under the impression that one of the big reasons his health care 'reform' was passed was - explicitly - to lower costs?

Edit: Ah - it appears they expect it save around $2000 by 2019. I wonder if that takes into account how much more we will pay this year and perhaps for the next couple of years because I will be paying more than $2,000 in increased health insurance costs this year alone

http://abcnews.go.com/blogs/politic...nes-unfulfilled-promises-of-health-care-bill/
 
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dank69

dank69

Lifer
Oct 6, 2009
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Exterous said:
I was under the impression that one of the big reasons his health care 'reform' was passed was - explicitly - to lower costs?

Edit: Ah - it appears they expect it save around $2000 by 2019. I wonder if that takes into account how much more we will pay this year and perhaps for the next couple of years because I will be paying more than $2,000 in increased health insurance costs this year alone

http://abcnews.go.com/blogs/politic...nes-unfulfilled-promises-of-health-care-bill/
Click to expand...
I believe that was the original intention until it had to be watered down repeatedly in order to pass it. But we are starting to P&N it up. There are plenty of threads over there about all this.

Sorry to hear your company is fucking you over. Do you have any other options for employment?
 
E

Exterous

Super Moderator
Jun 20, 2006
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dank69 said:
I believe that was the original intention until it had to be watered down repeatedly in order to pass it.
Click to expand...

Eh? That quote was from September of this year. But I'll leave it at that if you do :p

And employement optiona are pretty limited in Michigan right now. It only kind of makes me feel better that apparently health care costs went up at the last place I worked too and they aren't getting the yearly bonus

darkswordsman17 said:
The fuck? It says Off Topic, but it sure reeks of P&N in this thread.
Click to expand...

Sorry.

Pancakes or waffles?
 
dank69

dank69

Lifer
Oct 6, 2009
37,356
32,986
136
Exterous said:
Eh? That quote was from September of this year. But I'll leave it at that if you do :p

And employement optiona are pretty limited in Michigan right now. It only kind of makes me feel better that apparently health care costs went up at the last place I worked too and they aren't getting the yearly bonus



Sorry.

Pancakes or waffles?
Click to expand...
Relocation not an option?
 
rcpratt

rcpratt

Lifer
Jul 2, 2009
10,433
110
116
Youch. My increase was very mild. I know my parents got screwed a fair bit, though I don't believe as badly as you.
 
Bacstar

Bacstar

Golden Member
Nov 2, 2006
1,273
30
91
We're in the middle of our open enrollment for next year's insurance, and this is the first time I've had to actually pay out-of-pocket for my insurance coverage. I've been here 6 years now, and every year's increase in cost had an increase in our stipend to pay for coverage. This is the first year that the cost exceeded our stipend. Not sure though if it's due to ObamaCare or not though. I work for city government.
 
KK

KK

Lifer
Jan 2, 2001
15,903
4
81
dank69 said:
I believe that was the original intention until it had to be watered down repeatedly in order to pass it. But we are starting to P&N it up. There are plenty of threads over there about all this.

Sorry to hear your company is fucking you over. Do you have any other options for employment?
Click to expand...

I'm sure he can find work, there's an over abundance of jobs out there. Roads are getting resurfaced left and right, even roads that don't need it. Plenty of jobs right there, I thinks its part of the jobs package. Three cheers for Obama, hip hip hooray...
 
Bignate603

Bignate603

Lifer
Sep 5, 2000
13,897
1
0
My company went from a low deductible/copay plan to an uberhigh deductible plan for next year. $3k deductible, then another $5k at 80/20 (they pay 80%, I pay 20%).

What really pisses me off is that the deductible and max out of pocket resets at the beginning of the year. Get in a car accident on New Years Eve and you'll end up paying $16k if you stay past midnight.
 
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