Your Medical Plan $Changes/Increases for 2011?

[bearishgurl]

eavesdropper, thanks for mentioning all the adults on “`questionable’ SS disability compensation” (SSD) as well as kids qualifying for the same program (based alone upon their being prescribed Ritalin for “ADHD”) . . . lol. It is little known by the public that the SSD (and the “SSI” program) has been raiding the OASDI program since their inception. These (over)payments to individuals who fed no FICA payments into the “system” are/will actually take away from those who did.

Many SSI recipients are simply immigrants who were brought into this country (when they were already over 60 years of age) by “sponsors” who promised the INS that they would financially support them for life as a condition of their residency and eventual green card. When the sponsor(s) fell on “hard times” (i.e. lived beyond their means, overmortgaged their propertie(s), etc.), they claimed they were no longer able to “support” their elderly relative (still living with them) so the relative applied for SSI (to help with household income). MANY were successful (esp. here in South County).

eavesdropper, you are absolutely correct in that the government and Congress are “looking the the other way” from this (and the aforementioned “loopholes”) when trying to determime why the OASDI fund may not be solvent for you and me to collect when our time comes (God forbid should any younger Piggs EVER be able to). The working public should be very angered by these systematic raids of their FICA withholdings to this Ponzi scheme for which the uses of the $$ are allocated at the whim of whoever’s currently supposed to be “minding the store.” I for one am outraged, but a fat lot of good this will do me :=[

[patb]

[quote=paramount]My losses

1. My pension
2. 401k cut by 50%
3. Vacation time cut
4. Lost all sick time
5. Lost holidays (including July 4th)
6. And now choice in Healthcare

But oh yes, were supposed to be happy to have a job.

We’ve been duped into thinking unions are bad; if I was union my employer wouldn’t be getting away with stripping our benefits without a fight.

Sooner or later I’ll wise up and walk away from my house.[/quote]

Why not start a union?

[patb]

[quote=paramount]My losses

1. My pension
2. 401k cut by 50%
3. Vacation time cut
4. Lost all sick time
5. Lost holidays (including July 4th)
6. And now choice in Healthcare

But oh yes, were supposed to be happy to have a job.

We’ve been duped into thinking unions are bad; if I was union my employer wouldn’t be getting away with stripping our benefits without a fight.

Sooner or later I’ll wise up and walk away from my house.[/quote]

Why not start a union?

[patb]

[quote=paramount]My losses

1. My pension
2. 401k cut by 50%
3. Vacation time cut
4. Lost all sick time
5. Lost holidays (including July 4th)
6. And now choice in Healthcare

But oh yes, were supposed to be happy to have a job.

We’ve been duped into thinking unions are bad; if I was union my employer wouldn’t be getting away with stripping our benefits without a fight.

Sooner or later I’ll wise up and walk away from my house.[/quote]

Why not start a union?

[patb]

[quote=paramount]My losses

1. My pension
2. 401k cut by 50%
3. Vacation time cut
4. Lost all sick time
5. Lost holidays (including July 4th)
6. And now choice in Healthcare

But oh yes, were supposed to be happy to have a job.

We’ve been duped into thinking unions are bad; if I was union my employer wouldn’t be getting away with stripping our benefits without a fight.

Sooner or later I’ll wise up and walk away from my house.[/quote]

Why not start a union?

[patb]

[quote=paramount]My losses

1. My pension
2. 401k cut by 50%
3. Vacation time cut
4. Lost all sick time
5. Lost holidays (including July 4th)
6. And now choice in Healthcare

But oh yes, were supposed to be happy to have a job.

We’ve been duped into thinking unions are bad; if I was union my employer wouldn’t be getting away with stripping our benefits without a fight.

Sooner or later I’ll wise up and walk away from my house.[/quote]

Why not start a union?

[justme]

Air-ogi, that is a very good point.

>>So what is going on is that as prices are rising, more and more healthy people are leaving the insurance pool. And it’s an interesting cycle, since as more healthy people leave the pool, the higher the rise in the insurance rates, resulting in more healthy people leaving the pool.

[justme]

Air-ogi, that is a very good point.

>>So what is going on is that as prices are rising, more and more healthy people are leaving the insurance pool. And it’s an interesting cycle, since as more healthy people leave the pool, the higher the rise in the insurance rates, resulting in more healthy people leaving the pool.

[justme]

Air-ogi, that is a very good point.

>>So what is going on is that as prices are rising, more and more healthy people are leaving the insurance pool. And it’s an interesting cycle, since as more healthy people leave the pool, the higher the rise in the insurance rates, resulting in more healthy people leaving the pool.

[justme]

Air-ogi, that is a very good point.

>>So what is going on is that as prices are rising, more and more healthy people are leaving the insurance pool. And it’s an interesting cycle, since as more healthy people leave the pool, the higher the rise in the insurance rates, resulting in more healthy people leaving the pool.

[justme]

Air-ogi, that is a very good point.

>>So what is going on is that as prices are rising, more and more healthy people are leaving the insurance pool. And it’s an interesting cycle, since as more healthy people leave the pool, the higher the rise in the insurance rates, resulting in more healthy people leaving the pool.

[Anonymous]

Employer: large private university

2010 (Single employee)

[Anonymous]

Employer: large private university

2010 (Single employee)

Monthly Premium: $36.00

Monthly Employer Contribution: $397.56

Annual Deductible: $0

Out-of-pocket maximum: n/a

Primary Care: $20 copay in-network ($10 copay for university medical practice)

Specialist: $30 copay in-network ($20 copay for university medical practice)

Urgent Care: $50 copay

Emergency: $100 copay

Hospital Services: covered 100% in-network

2011 (Single employee)

Monthly Premium: $88.97 (147.14% increase)

Monthly Premium (if participating in an employer-sponsored wellness plan): $68.97 (91.58% increase)

Monthly Employer Contribution: $370.82 (6.73% decrease)

Annual Deductible: $250

Out-of-pocket maximum: $1,250

Primary Care: 10% co-insurance after deductible ($10 copay for university medical practice)

Specialist: 10% co-insurance after deductible ($20 copay for university medical practice)

Urgent Care: $50 copay

Emergency: $100 copay

Hospital Services: 10% co-insurance after deductible

[Anonymous]

Employer: large private university

2010 (Single employee)

Monthly Premium: $36.00

Monthly Employer Contribution: $397.56

Annual Deductible: $0

Out-of-pocket maximum: n/a

Primary Care: $20 copay in-network ($10 copay for university medical practice)

Specialist: $30 copay in-network ($20 copay for university medical practice)

Urgent Care: $50 copay

Emergency: $100 copay

Hospital Services: covered 100% in-network

2011 (Single employee)

Monthly Premium: $88.97 (147.14% increase)

Monthly Premium (if participating in an employer-sponsored wellness plan): $68.97 (91.58% increase)

Monthly Employer Contribution: $370.82 (6.73% decrease)

Annual Deductible: $250

Out-of-pocket maximum: $1,250

Primary Care: 10% co-insurance after deductible ($10 copay for university medical practice)

Specialist: 10% co-insurance after deductible ($20 copay for university medical practice)

Urgent Care: $50 copay

Emergency: $100 copay

Hospital Services: 10% co-insurance after deductible

[Anonymous]

Employer: large private university

2010 (Single employee)

Monthly Premium: $36.00

Monthly Employer Contribution: $397.56

Annual Deductible: $0

Out-of-pocket maximum: n/a

Primary Care: $20 copay in-network ($10 copay for university medical practice)

Specialist: $30 copay in-network ($20 copay for university medical practice)

Urgent Care: $50 copay

Emergency: $100 copay

Hospital Services: covered 100% in-network

2011 (Single employee)

Monthly Premium: $88.97 (147.14% increase)

Monthly Premium (if participating in an employer-sponsored wellness plan): $68.97 (91.58% increase)

Monthly Employer Contribution: $370.82 (6.73% decrease)

Annual Deductible: $250

Out-of-pocket maximum: $1,250

Primary Care: 10% co-insurance after deductible ($10 copay for university medical practice)

Specialist: 10% co-insurance after deductible ($20 copay for university medical practice)

Urgent Care: $50 copay

Emergency: $100 copay

Hospital Services: 10% co-insurance after deductible

[Author]

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