Casual Conversation @lemm.ee InternetCitizen2 @lemmy.world 2d ago

UHC made a health insurance pitch to my job site.

So UHC came to my job to pitch their plans for the employer health insurance. They wanted something like $1400/mo and I guess enough people complained because a new email just came up for $1000/mo.

For family plans

34 comments

Sorry, Canadian... Are you saying that to get healthcare you have to pay this company, out of your own pocket, a grand a month? And just hope they don't deny etc and forget about any deductible?
- In short yes.
- It gets worse as you get older too. My dad was 1 month over 70 and they denied him a lung replacement because he was too old. He died 6mos later. Paid into the system since he was 25.
  
  My condolences.
  
  From their perspective that is a the perfect customer pretty much all profit.
  
  This is essentially current corporate culture and all mega corps operate like this. Health just exposes how mental I'll this behavior is.
- Yeah, 1k a month and then you go to your annual checkup which is covered but the dr orders labs which aren't so you pay 1200 for them. It's a scam.
- Thats... Not the worst price ive seen either.
  
  I have a different provider, and with 2 kids and knowing how many visits they'll have (plus me and my wife obviously), upgraded my plan. I pay about double that.
I am here to tell you that it doesn't matter how cheap they make it, reject UHC. There are plenty of healthcare providers that just don't accept UHC insurance, because they are such a pain in the ass to deal with. Yeah, I know, there aren't really any insurance companies in the US that are good, but UHC is orders of magnitude worse than anyone else.
- I was looking to get an ACA plan, but i no longer seem to qualify because I can get the employer UHC :(
  
  You're better off finding a catastrophic policy and putting the difference between that premium and the UHC one into an account you control that you can pay regular medical costs out of. I know that some providers will work with you on price if you aren't using insurance and are paying the bill at the time of service.
I can't get over how fucked it is that your employer is involved in determining the nature of the healthcare you get.

Edit: I'm In Canada, and it's fucked here too, just not as badly (yet).
- Just wait until your a state /s
  
  Okay but we're doing this
  
  http://i0.kym-cdn.com/entries/icons/facebook/000/003/664/600px-Jesusland_map_with_Alberta.svg.jpg
Tell your boss to DELAY in making the decision, then to DENY uhc, and if uhc complains then DEFEND the decision.
- I'm not seeing the bullets in your solution here. Did I overlook them?
  
  Here you go:
  
  Tell your boss to DELAY in making the decision,
  
  then to DENY uhc,
  
  and if uhc complains then DEFEND the decision.
Not American, but isn't that a lot?
- About standard for a family plan unfortunately. And that's just the premium. You still have a ~$5000 deductible to meet before they start fucking you without lube
  
  Yeah and they're not gentle lol.
- I'm at about $600 for my wife and I. And still have a too large of a deductable, co-pays for Dr and prescriptions. Fuck the US health system.
  
  $683 a month for me and my kids. And that’s less than half the total cost, which my employer pays.
  
  Thankfully it’s such a small company everyone has the same insurance plan so it’s really good insurance.
  
  I only have my wife and I covered in my employer insurance plan and it's about $80 biweekly. And I have the highest coverage. I'm Canadian.
  
  My wife and I are both healthy and middle ages but that sounds ridiculously expensive.
- If you're a brokie, yes goes to cry in broke
  
  Im lucky im single with no family. So my plan is actually kinda okay at $130/mo
  
  Canadian here. I have around $160/month for my plan. That doesn't sound so bad.
Sure, but that's just what you pay them. What they pay the medical professionals is still zero. That's not even in the fine print -that's in the missing print.
Australian here. We pay taxes, therefore the majority of healthcare is paid for by the govt. Visits to my GP cost $85, and I get about half back by rebate - they're 100% covered if you can find a doctor that bulk-bills medicare (unfortuntely rare these days). Prescription medicines cost ~$15 a script. A few years back I had stomach surgery, was in hospital for a few days, the whole experience cost me $30 out of pocket for post-surgery meds.
Crazy
- I don't think it was UHC that made a price drop either. I think HR may have gotten the ear of someone important and got them to change the company subsidy.

34 comments