Health Care Insurance Costs -- How Much? - Page 5

#41

busdriver12 , 10-18-2015 07:55 AM

Gets Weekends Off

Quote:

Originally Posted by Tuck

This is the problem with uninformed people trying to get their answers from social media (or not even trying to get them but posting what they think are the answers). There was no out of pocket max previously, in the TA there now is - THAT IS AN IMPROVEMENT.

Heci why take the time to attend a roadshow or phone in a question when u can sit here and post all this incorrect stuff. These same guys fly airplanes? And FedEx hired them? Attention to detail - start there.

For sure. What are people doing, actually reading through the TA, pointing things out and asking each other questions, when they could just sit through a road show and listen to a snow job? Oops, I mean sales job.
Why wade through all of this oneself, when they could just sit back and listen to how the health care section changes are just improvements?

#42

busdriver12 , 10-18-2015 08:11 AM

Gets Weekends Off

Quote:

Originally Posted by TheBaron Deux

Yes I am looking at it. First page 488:
Deductible** (pilot only/pilot plus) $0

Page 489:Maximum Out-of-Pocket (pilot only/pilot plus)
It used to say...N/A except California and then gave the caps (1150/3450) for California. Now it says $3250/$9750 (for everyone including California)

That means that if you pay $1000 a month for some exotic prescription (even though the cap on specialty drugs will really be $200), after you have spent $9750 that wasn't covered by insurance, you're done. The company picks up everything after that. Example: My sickly family of 5 goes to the doctor every 2 weeks and I make a $20 copay for each of those 130 visits, I'm out $2600...exact same as under the current contract. Now we each have 2 non-preferred monthly prescriptions which cost us another $6600 a year. In California I would have hit my out of pocket maximum and the company would pick up the tab...but I don't so I have to pay...same under the new TA. Once I spend another $550, I've reached the Maximum Out-of-Pocket limit and the company picks up everything at 100%

Aha! I discovered the discrepancy. I believe that what you are saying is correct. When I go to the anthem website and I compare the before and after, I agree. There are limitations now in the max out of pocket, when it said N/A before, which is positive. That is also what the ALPA Q and A website says.

However, this is the problem, the way it is written in the TA, on page 489. They have crossed out the maximum out of pocket ($1,150 per individual, and $3,450 per family), and replaced it with the $3,250/$9,750. It makes it appear as if the max OOPE has tripled. I was thinking they pulled those numbers out of their a$$es, except for it looks like it applied to California. Very badly written.

But how I read that, is that the max OOPE for people in California has tripled, as they had the $1,150/$3,450 limitation before. And I say, screw those Californians anyways, they are way too happy

It is a good thing for everyone else in the other 55 states (according to our pres

). They already get a good deal by living in California, so now they get the same deal as the rest of us, no more inequality, apparently.

Any of you other uninformed internet perusers read this differently?