Author |
Topic: Health insurance question. (Read 318 times) |
|
Jonny
CH.com Alumnus
New Board Hall of Famer
Give me a shovel Ill dig my own grave!
 
Gender: 
Posts: 26213
|
 |
Health insurance question.
« on: Aug 10th, 2005, 5:51pm » |
 Quote  Modify
|
I know that I read a post by someone that works for health insurance, please respond if you read this.
Wifes company was just sold, shes an activities director at a nursing home.......The company having changed hands I had to fill out new health insurance paper work (Same ins company) and noticed that they have the "family" or "2 person" options....I have always been paying for the family plan even though I have no kids.
The "2 person" option says "where offered".....WTF is up with that....My question is: should I be paying the family rate when I have no kids?
One more question: If the 2 deal is offered somewhere why isnt it offered everywhere, and, how much do they owe me for paying for the family plan for the last ten fucking years?
This would probably not piss me off as bad as it is if I had not spent $47K of my savings trying to keep this house in the last two really bad work years.
There, jonny rant....be a long time before you all see another one!
|
|
 IP Logged |
It is up to YOU to educate yourself and then help your doctor plan your treatment. If you just sit down in front of your doctor and say "make me better" you are setting yourself up for a great deal of pain.
- Guiseppi
|
|
|
ClusterChuck
CH.com Alumnus
New Board Hall of Famer
The BEAST rises again, and again, and again, and .
Gender:
Posts: 3181
|
|
Re: Health insurance question.
« Reply #1 on: Aug 10th, 2005, 6:46pm » |
Quote Modify
|
Check with that broad with the big tits .. You know, ole double D .. DonnaD. She does claims and stuff, maybe she knows. But ya gotta talk NICE to her, as she carries a BIG stick!!
Chuck
|
|
IP Logged |
"No man can be happy without a friend, nor be sure of his friend till he is unhappy."
Thomas Fuller
|
|
|
nani
CH.com Alumnus
New Board Hall of Famer
Got kudzu?
Gender: 
Posts: 7953
|
|
Re: Health insurance question.
« Reply #2 on: Aug 10th, 2005, 7:12pm » |
Quote Modify
|
I'm pretty sure you don't need family coverage if you don't have eligible kids. Everywhere Bob has ever worked (until now) offered a choice. Employee/spouse should be cheaper than family.
|
|
IP Logged |
Others may come and go, but MY power is MINE.
|
|
|
purpleydog
CH.com Alumnus
New Board Hall of Famer
Posts: 2240
|
|
Re: Health insurance question.
« Reply #3 on: Aug 10th, 2005, 7:19pm » |
Quote Modify
|
Some insurance companies offer a plan where it will cover just two people, you and your significant other for example. It is cheaper than a family plan, but not as cheap as insurance for one individual. Insurance companies are realizing there are some two person families out there, and you don't need to pay for the family coverage.
It's not offered everywhere, so your wife's company may have it available in another location geographically, but not where you are. That means you still have to pay the family rate if the two person plan isn't available in your area.
I had a two person plan at my previous job, now at this job, it's either single or family coverage. Same with my husband's insurance. The two person plan is nice if you have no kids, or grown kids. Or if you are in an alternative relationship.
|
|
IP Logged |
|
|
|
Jonny
CH.com Alumnus
New Board Hall of Famer
Give me a shovel Ill dig my own grave!
Gender:
Posts: 26213
|
|
Re: Health insurance question.
« Reply #4 on: Aug 10th, 2005, 7:23pm » |
Quote Modify
|
on Aug 10th, 2005, 7:19pm, purpleydog wrote:| Or if you are in an alternative relationship. |
|
Your kidding, right?
|
|
IP Logged |
It is up to YOU to educate yourself and then help your doctor plan your treatment. If you just sit down in front of your doctor and say "make me better" you are setting yourself up for a great deal of pain.
- Guiseppi
|
|
|
nani
CH.com Alumnus
New Board Hall of Famer
Got kudzu?
Gender:
Posts: 7953
|
|
Re: Health insurance question.
« Reply #5 on: Aug 10th, 2005, 7:26pm » |
Quote Modify
|
The University of New Mexico and the Albuquerque Public School system both offer health care and other benefits for significant others. This covers co-habitating couples and same sex couples.
|
|
IP Logged |
Others may come and go, but MY power is MINE.
|
|
|
don
Guest
|
|
Re: Health insurance question.
« Reply #6 on: Aug 10th, 2005, 7:38pm » |
Quote Modify
 Remove
|
The new company probably purchased a differant paln than the old old company. Sounds like a better plan.
Do you save much by switching to 2 person over family.
Why somewhere and not others? Economics. I bet they dont offer the 2 person in San Francisco.
|
|
IP Logged |
|
|
|
purpleydog
CH.com Alumnus
New Board Hall of Famer
Posts: 2240
|
|
Re: Health insurance question.
« Reply #7 on: Aug 10th, 2005, 7:41pm » |
Quote Modify
|
Actually, I think some of it has to do with the company you work for. Some of them offer medical insurance to your significant other in a same sex relationship, and others don't. That will probably be a discrimintaion issue in the future, but it's nice that it's offered by some companies.
And I bet they do offer it in San Francisco. But not all companies.
When I had the two person plan at my old job, I saved about $50.00 per month from paying the family rate. And that was 7 years ago.
|
| « Last Edit: Aug 10th, 2005, 7:43pm by purpleydog » |
IP Logged |
|
|
|
Kris_in_SJ
New Board Hall of Famer
There's no place like home.
Gender:
Posts: 1539
|
|
Re: Health insurance question.
« Reply #8 on: Aug 10th, 2005, 7:47pm » |
Quote Modify
|
My daughter recently graduated and moved from the nest. My hubby and I faced the same question (we're both self-employed with insurance through his business).
This is Blue Cross Blue Shield (total B(ull) S(hit) company, but no pre-existing conditions matter to them). We still have to pay family coverage. According to this particular provider, in order to have "primary insured plus 1" it means one of you must be medicare-eligible. There is either family or one.
Maybe your insurance is different, Jonny. The only way to know is by calling the blood suckers and asking them!
OMG .... I hate insurance companies!
Kris
|
|
IP Logged |
I'm a small woman in small town being chased by a VERY BIG BEAST!
|
|
|
unsolved1
Guest
|
|
Re: Health insurance question.
« Reply #9 on: Aug 10th, 2005, 7:48pm » |
Quote Modify
Remove
|
Reminds me of when I went to I.U.
I couldn't get insurance on my live-in girlfriend of 3 years but same sex couples could get insurance after only 6 months.  Not Fair !
|
|
IP Logged |
|
|
|
Redd
CH.com Alumnus
New Board Hall of Famer
Gender:
Posts: 6661
|
|
Re: Health insurance question.
« Reply #10 on: Aug 10th, 2005, 7:52pm » |
Quote Modify
|
I'll tell ya sometimes I wonder which is better...no insurance like I (don't) have now, or dealing with all the BS of what and who to cover. Kids are covered primary by their father, but this pre-existing condition is gonna be a f*cking killer on my rates.
Sometimes it may just be better to die in debt?
|
|
IP Logged |
I saw an act of faith today. A man was on his knees, not in a pew in a Church, but in a garden planting seeds. ~~Unknown
|
|
|
Jonny
CH.com Alumnus
New Board Hall of Famer
Give me a shovel Ill dig my own grave!
Gender:
Posts: 26213
|
|
Re: Health insurance question.
« Reply #11 on: Aug 10th, 2005, 8:04pm » |
Quote Modify
|
on Aug 10th, 2005, 7:47pm, Kris_in_SJ wrote:| This is Blue Cross Blue Shield (total B(ull) S(hit) company |
|
I guess I wont tell you how when I went to install a $30K rail system in their building and they refused to let me take my camera in the building (I always take pics of my work)....This was when they were hiking rates.....the doors on each office were ten foot high cherry wood ($4,500 a door)...............Scumbags!!!!!
|
|
IP Logged |
It is up to YOU to educate yourself and then help your doctor plan your treatment. If you just sit down in front of your doctor and say "make me better" you are setting yourself up for a great deal of pain.
- Guiseppi
|
|
|
don
Guest
|
|
Re: Health insurance question.
« Reply #12 on: Aug 10th, 2005, 8:16pm » |
Quote Modify
Remove
|
So who is the insurance company?
Is it private or managed care ?
|
|
IP Logged |
|
|
|
alienspacebabe
CH.com Alumnus
New Board Hall of Famer
yup. i am. i do. uh huh. you know it hon.
  
Gender:
Posts: 1775
|
|
Re: Health insurance question.
« Reply #13 on: Aug 10th, 2005, 8:26pm » |
Quote Modify
|
My firm offers:
single
single + dependents
single + domestic partner
married couple
family (married couple plus kids)
and probably single + domestic partner + kids
It's a very progressive firm....
|
|
IP Logged |
Not until we are lost do we begin to understand ourselves.
|
|
|
kimmeesue
New Board Old Timer
Gender:
Posts: 291
|
|
Re: Health insurance question.
« Reply #14 on: Aug 10th, 2005, 8:31pm » |
Quote Modify
|
I used to do insurance for a surgical practice and the one thing I know is that insurance is regulated by the state in which you live. The plans will vary accordingly even within the same insurance company.
There should be a phone number in the state capital you can call to find out what the law is in Mass.
I know in Kansas thay offer the two person plan but the difference is negligible. Not sure what the point is.
Hope this helps.
Kim
|
|
IP Logged |
If I wasn't doing this I'd probably be doing something else.
|
|
|
BMoneeTheMoneeMan
CH.com Alumnus
New Board Hall of Famer
In remembrance of KingCazman. RIP
Posts: 2082
|
|
Re: Health insurance question.
« Reply #15 on: Aug 11th, 2005, 9:40am » |
Quote Modify
|
In my state, i have had coverage for me and my then girlfriend. They called that a domestic partnership. I dont know if they insured same sex couples.
Typical insurance is
Employee
Employee + Spouse
Employee + Child(ren)
Employee + Family.........meant to cover 2 adults and at least 1 kid
Dont fucking even get me started on insurance companies
BMonee
|
|
IP Logged |
"Fool me once, shame on, shame on you. Fool - can't get fooled again"
Think of how stupid the average person is, and then realize half the population is stupider than that.
|
|
|
Donna_D.
CH.com Alumnus
New Board Hall of Famer
OUCH needs volunteers
Gender:
Posts: 2618
|
|
Re: Health insurance question.
« Reply #16 on: Aug 11th, 2005, 3:06pm » |
Quote Modify
|
Jonny,
I will give you a call tonight, we can go over all this stuff.
What time is good for you?
DD
|
|
IP Logged |
 The information contained above is for the expressed use of fellow clusterheads and their supporters. Any misuse of this information by any of my "Ex's" is considered to be creepy and a form of harassment and will be duly noted by the ch.com webmaster 
|
|
|
Lizzie2
CH.com Alumnus
New Board Hall of Famer
"L'Chaim"~Hebre w Toast~"To Life"
Gender:
Posts: 4458
|
|
Re: Health insurance question.
« Reply #17 on: Aug 11th, 2005, 6:25pm » |
Quote Modify
|
Well....I qualify for benefits on my own with a full time job for the first time ever. haha They start August 26.
But because I'm 24...I've been cobra'd on my mom's plan for quite some time now! My mom works for a school district, and I was recently told by my neighbor/benefit's coordinator for a local hospital that you'll never find better insurance coverage than that offered by someone working for a school district. I do think she's right - I can't even get the same quality of coverage --- and I work for a gigantic health care system! LMAO (Isn't that ironic?)
But with my mom's plan such that it is, your kids are no longer eligible if they turn 23 or graduate from college....whichever comes FIRST. I turned 23 before I ever graduated from Penn State, so I've been cobra'd since January 2004 at a rate of about $350/month out of my mom's pocket!
So at Jefferson, we have a choice between Keystone and Aetna HMO and also the BC Personal Choice (PPO) and Aetna Point of Service. I'mtaking the BC Personal Choice as that's what I currently have and it does cover just about everything I need without too much of a fight.
The only bad thing is that Jefferson puts this whole 'Jeff Plus' requirement onto it....I have to pay a whole lot more if I go to a non-Jefferson provider. This wouldn't bother me as much, except none of my 3 orthopedic surgeons are through Jefferson.....and the one is a specialist in Avascular Necrosis...which I really need! I don't want to go to Rothman because they'd just replace the joint...that's what they are known for.....but the specialist at Penn will give other things a try first.
My mom will now be paying for a 2 person plan for just her and my dad - which is way cheaper than family plan and especially way cheaper than cobra for 2 kids plus their own coverage!
Insurance issues give me a headache............... 
Hope it works out Jonny!
Carrie
|
|
IP Logged |
|
|
|
BMoneeTheMoneeMan
CH.com Alumnus
New Board Hall of Famer
In remembrance of KingCazman. RIP
Posts: 2082
|
|
Re: Health insurance question.
« Reply #18 on: Aug 11th, 2005, 8:45pm » |
Quote Modify
|
i heard the same thing Carrie, public employee health care is really good care.
There is a large hospital in my area that is having a strike cause the employees dont have any coverage at all.
If you cant even care for your own employees, you are gonna have a tough time caring for my ugly ass.
Course, thats just my opinion, I could be wrong.
BMonee
|
|
IP Logged |
"Fool me once, shame on, shame on you. Fool - can't get fooled again"
Think of how stupid the average person is, and then realize half the population is stupider than that.
|
|
|
Lizzie2
CH.com Alumnus
New Board Hall of Famer
"L'Chaim"~Hebre w Toast~"To Life"
Gender:
Posts: 4458
|
|
Re: Health insurance question.
« Reply #19 on: Aug 12th, 2005, 12:26am » |
Quote Modify
|
Well, we've been given some brief introductory information about a new benefit plan that we will have the option of enrolling in. This one is something called a Consumer Driven Health Plan (I think???) Honestly, I'll have to look at the mailing I got when I get up tomorrow and start packing some more - I put it somewhere!
I forget what company they'll be going through for this. Honestly, it sounds good - but I'm always very leery of this. I got burned BAD by going with Aetna HMO last year for a very brief 2 months - and never ever ever ever again! So I definitely will need every detail explained to me as if I am 2 years old before I would consider trying out a new insurance plan that I've never heard a thing about before!
Time will tell - I'll have to see what comes out of it and hopefully will have good things to report! Honestly it sounds good - I'm just always cautious!
Carrie 
|
|
IP Logged |
|
|
|
|
|
|
Home
Help
Search
Members
Member Map
Login
Register
Reply
Notify of replies
Send Topic
Print
test rss