Just used my insurance for the first time since switching to Team Care.
- Thread starter EmraldArcher
- Start date
bl04a
Well-Known Member
I talked to a Teamcare representative last week. He explained to me that an ER visit is covered at 100% if the visit is for an injury such as stitches, broken bones, etc but 80% for visits such as chest pains, stomach pains or anything that is not a bodily injury.
rod
Retired 23 years
Mugarolla
Light 'em up!
Mugarolla
Light 'em up!
Uh....
Name, address, and phone # ??
A percentage of the membership.... might want to contact you.
-Bug-
How about everyone who voted no on the Central Region Supplement and the couple others that were turned down more than once.
The master had everyone going into Teamcare C6 plan.
Hoffa did not "upgrade" it to the enhanced C6 plan until he realized that he had to up the ante to try and get these supplements passed.
So it was not me alone, there were thousands of us that got everyone moved up to the enhanced plan by holding out for better medical.
DriveInDriveOut
Inordinately Right
An illness that warrants an admission to the hospital is covered 100% also.
I'm not sure how else they're supposed to get people to stop going to the ER for things they shouldn't.
10 point
Well-Known Member
For all the doctors offices to be open 24/7. That would work. So you treat symptoms that depict an emergency situation as a possible emergency.
Some areas don't have 'DR's Care" nonemergency services and some issues that could be life threatening should not be diagnosed by your family members.
What he's saying is that our plan got worse but the company's net profits are better than it was (x5) twenty yrs ago and our other plan had less restrictions.
The whole truth (not that we got it) didn't change the outcome.
It was handled poorly from the get go.
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DriveInDriveOut
Inordinately Right
I get what you're saying.
The problem, for any insurance program, is that the people who abuse it make it unsustainable for the people who don't. Getting admitted to the hospital is a lot harder than it used to be actually for that exact reason. The new trick is to put you "under observation" for up to 24 hours, then never admit you and stick you with the bill (medicare has the same admittance requirements for coverage of ER visits).
This is total BS if you ask me. If the doctor can't be sure whether your illness is serious, how the hell were you supposed to?
There should also be an exception for chest pains too that's not even debatable.
Mugarolla
Light 'em up!
There should also be an exception during the times that your doctor's office or an urgent care isn't open.
What do you do at 2:00 am? You have no choice unless you want to wait 6 hours and possibly die.
I would loved to have taken my son to his doctor and paid my $10. At 2:00 am I was limited to the ER and had to pay $800.
UpstateNYUPSer(Ret)
Well-Known Member
Our local added a $100 ER co-pay several years ago to try to get the members to stop using the ER for sniffles. Our healthcare costs dropped dramatically.
EmraldArcher
Well-Known Member
Where else do you suggest I go for sudden severe chest pain at 11 PM?
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BrownBrokeDown
Well-Known Member
As it was explained to me by Teamcare, you go into ER with chest pain. If the chest pain turns out to be a heart attack they pay 100%, but if its one of the multide of things that can cause chest pain that are not as severe and the ER releases you then its 80%. Basically we are supposed to self-diagnose before seeing the doctor...
brownmonster
Man of Great Wisdom
There is some truth to "take 2 aspirin and call me in the morning".
EmraldArcher
Well-Known Member
There's also some truth to "Oops it was a heart attack and you're dead."
EmraldArcher
Well-Known Member
Something else I haven't seen anyone mention, $1,000 might not seem like a lot to 30 year drivers making six figures but that can be a months salary to a part timer. Adjust that $1,000 to whatever 8.33% of YOUR salary is and see if it still doesn't seem like a lot.
Mugarolla
Light 'em up!
And in less than 2 years, the $200/$400 deductible starts.
Dracula
Package Car is cake compared to this...
From personal experience, your first move is to kick the teenagers out, shoot unruly neighbors and hid your wallet from the wife. If your lucky, you get this done before 9PM, go to bed by 10PM, and hopefully, your chest pain is a gas bubble working its way to its proper spot.
Anthonysg0113
Well-Known Member
Dental pays better on Teamcare, but the vision is worse.
