Change and Hope – ($2700/family/year)
Posted by Jeff Id on November 6, 2013
So I’ve got the rest of the health care news for this year. We’re looking at an 18 percent increase, our previous plan was dropped because it didn’t make sense for the insurance carrier to have different rules for different companies and we have several added coverages which we didn’t need.
– Pediatric vision and dental care are apparently mandatory parts of health care. The vision and dental coverage is weak but we already pay for that on another plan so it’s only extra cost from our perspective. Why aren’t vision and dental part of your health? I often wonder how that got divided out in the first place.
– Obesity surgery is covered now, but only partially, I didn’t know it wasn’t before. It sounds easier than dieting!
– You can have as much drug rehab as you like apparently.
– No maximum out of pocket limits but they were like 5 million already, and usually if you have that kind of expense, your work insurance is no longer practical. I like this change in particular.
There are a few others but that’s about it though.
Excepting the massive cost increase, it isn’t much different for in network coverage. Out-of-network, our deductibles went up 2X but the network is the biggest and it is almost hard to go out of it. The net increase (not reduction in cost per Obama’s repeated prognostication) on a family of four was about $2700/year. In a 40 employee company, three thousand here, couple thousand there, pretty soon it adds up to real money.
I do wonder if any government officials were actually dumb enough to believe that insurance carriers wouldn’t drop the old non-complying products when even a mild cost increase would force them to. Of those who were in charge of this ‘change and hope’ plan, I wonder how many would admit they knew.