dn_wisconsin

Right now we have Aetna and there are about 4 insurance packages to pick from. All with different deductibles and different premiums. I think they can all be used for an individual or family. I pay about $170 every two weeks for myself and wife. That includes medical, dental, vision and we have a lower deductible. One big item in the new contract is the company can raise our insurance. I don't know the details off hand but I believe 7% increase per year up to 42% or something like that.

On a personal note, I have been on FMLA for 6 months due to a sports injury. Management has been very understanding and easy to work with plus we have some good protections in the contract for things like that. The most difficult part is all the paper work I've had to turn into Aetna to get approved for long term disability but once I got all that in I haven't had any problems. We no longer have short term disability so it would be something to think about because the long term doesn't kick in until 90 days. So unless you want to burn all your vacation or have enough sick time built up you won't be paid. Once you get on long term you get 60% of your base pay up to $5,000 a month. I've had 3 surgeries, countless physical therapy appointments, way to many doctors visits to count, and haven't paid more than $1,000 out of pocket. Oh and all my copays are $11 and I don't pay those anymore since I met the deductible. Keep in my mind $1,000 out of pocket was from the end of 2011 and begining of 2012 so I had to meet the deductible twice.

Don't forget you can claim the medical bills on your taxes and get a refund. I'm getting alot of what I spent back.