Insurance Woes

Discussion in 'Teacher Time Out' started by KinderCowgirl, Oct 30, 2010.

  1. KinderCowgirl

    KinderCowgirl Phenom

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    Oct 30, 2010

    So I know everyone is tightening belts with this economy and everything. I found out yesterday our district health benefits are changing. We have a $400/month increase for one person ( I can't imagine what it will be for families). We have to choose between 2 sets of medical systems (the doctors I've been going to for 10 years are in neither choice). If you go to a different doctor or to an urgent care center, it's completely out of pocket. Oh and they are doing this disease mangement part-if you are taking medication for diabetes, high cholesterol/blood pressure you are required to enroll in their program and follow their guidelines or pay a 5% increase in premiums (including and added 5% of the employer part of the premiums)! :eek:

    This really scares me-that's about $5,000 more each year I'm going to have to try and find somewhere-I don't have it. My friend is married to another teacher-that's $10,000 for them per year. Not to mention you pay more every time you go to the doctor, higher deductibles, etc. The deductibles are over $2500, co-pay for prescriptions is $70. 25% of emergency services.

    I really wish we had better unions here. This is just unbelievable to me.
     
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  3. smalltowngal

    smalltowngal Multitudinous

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    Oct 30, 2010

    Wow. I can't imagine paying that much for insurance!
     
  4. gigi

    gigi Groupie

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    Oct 30, 2010

    I don't use the school insurance because my DH's was better, less deductible, our share less, and then BAM! up it went, every aspect of it. I will still with his as now they are pretty equal.
     
  5. Momma C

    Momma C Comrade

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    Oct 30, 2010

    :eek:hmy: Our district pays the employee's premium, but I still can't afford to add my hubby. It's cheaper for him to have his own. I think everybody's insurance had changes. Starting 01/01/12 we have to pay taxes on the premium paid by the district (considered part of our pay benefits), and our deductible goes up to $1,000. :mad: Our prescription benefit is changing, too. If there is a generic for your meds (blood-pressure, for me), you have to try it before insurance will pay. I'm on Benicar-HCT, and it controls my blood-pressure perfectly. But since it costs $85 each month, we tried a generic. However, it did not control my blood-pressure very well - up and down, up and down, headaches, etc. So I contacted insurance company, and their response was that I have to try ALL the generics :dizzy: Nope, notta, not going to happen!! So, now I pay the $85 and cut back elsewhere.:confused:
     
  6. Mr D

    Mr D Comrade

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    Oct 30, 2010

    Our insurance went up this year too. :mad:
    Because of this, even though I got a raise in salary this year, my take home pay each check is only $2 more than last year. Oh well, at least I'm not making less than last year, which I thought might happen.
     
  7. MsMar

    MsMar Fanatic

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    Oct 30, 2010

    This year was the first year we had to pay at all for insurance in my district. I'm covered by dh's and his district still pays full. The deduction in my district sure isn't anything near $400 per person though. I think it's about $50 for a single and $100 for family. I could be way off though, I didn't pay attention to the numbers as they don't apply to me.
     
  8. peggy27

    peggy27 Cohort

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    Oct 30, 2010

    Wow that's a lot. My district is our insurance policy and the union negociated that if you use it you will pay more. so premiums stayed the same, $115 for family a month. Deductibles went to $750 and office visits are $30 and $35 for specialists. We have one of the lowest insurance costs in our area but our salaires are alittle lower becuase of our good insurance.
     
  9. mmswm

    mmswm Moderator

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    Oct 30, 2010

    Wow...I pay less than half that and get a LOT more coverage. Granted, my company is known for having one of the best benefits packages around, but private employer benefits are generally not as good as public employers.
     
  10. mrachelle87

    mrachelle87 Fanatic

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  11. TeacherApr

    TeacherApr Groupie

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    Oct 30, 2010

    oh my goodness! Sounds like the district needs to find a different insurance company to work with! We are fortunate in that our district pays 100% for our insurance UNLESS we want to add family members and then that is $400 a month. RIDICULOUS. My co-worker was told that she cannot add her baby anymore because she had to have done that within 30 days of birth! Messed up!

    Our dr. visits are $20-25 and prescription deductible is $10.
     
  12. Blue

    Blue Aficionado

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    Oct 30, 2010

    TeacherApr, can your co-worker add her baby during open enrollment?
     
  13. kcjo13

    kcjo13 Phenom

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    Oct 31, 2010

    I recommend having your co-worker call back. Ask to speak to a supervisor. When my son was born in May, for some stupid reason I thought we had 60 days to add him, but we actually only had 30. The first person we talked to told us we were SOL, but I called back and put on a sob act :D, and they added him. We had to request a waiver in writing, but it was done quickly.
     
  14. TeacherApr

    TeacherApr Groupie

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    I know we have open enrollment but not sure when.
     
  15. kcjo13

    kcjo13 Phenom

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    Oct 31, 2010

    Ours is right now. Ends next Friday.
     
  16. MelissainGA

    MelissainGA Groupie

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    Oct 31, 2010

    Our open enrollment is now too. I almost passed out when I went in and did open enrollment the other day. I am going from paying 88 cents a month to paying $110 per month. Our county counted the payment of our health insurance as one of the things that they dropped when they cut benefits this past year.

    I am about to the point where I am going to have to get a second job to pay the health insurance that I normally don't use any way.

    Talk about a hard thing to swallow.
     

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