Higher deductibles, higher out of pocket maximums, higher prescription costs. That's the definition of lowered benefits. And to be clear I don't blame the ACA. Like I said , FedEx used the excuse of the ACA to increase our costs, lower theirs and increase their profit.
Im on my wife's plan at work. Dropped Fedex plan early on as it kept getting more expensive. Post ACA my wife's plan got a bit more expensive but the benefits went up regarding wellness coverage, drug costs etc.
Except that your out of pocket max is definitely lower under the AC, flat out, you are wrong on that. Every plan offered to middle class workers had annual and lifetime caps on coverage that made your max out of pocket UNLIMITED if you reach the cap. Same for lifetime caps.Premiums went up because coverage is GREATLY increased but even with the premium increase, if you had copays for cancer screenings or annual checkups, or had to meet your full deductible before any insurance kicked in, you can still easily have lower total cost. And for those getting premium assistance, based on income and size of family, the advertised premium is NOT what you will be paying.
You can't even say why you hate it and make statements that aren't incorrect. You are hung up stupidly on 'deductibles' rather than quality of the care, and total out of pocket for normal care and what is covered and the potential of saving your home and all your assets. One bout with pneumonia, or back pain, or anything else determined to be a 'prior existing condition' and you would have been screaming for your repub clowns to pass the ACA so you would have coverage at all.
No our out-of-pocket maximums were lower before FedEx switched over to their consumer based plans. Like I said FedEx use the ACA lower our benefits. They could have kept our benefits the same even with the ACA but chose to to lower them.
The benefits were definitely better under the old plan but the premiums were outrageous. If I remember correctly, the good plan was pushing $400/mo for a family. I actually prefer the new plan. You have to pay more, but only when you are really sick. The health reimbursement account, coupled with pcp vists that are not subject to the deductible, is usually enough to cover the small stuff. I actually think Fedex gives us pretty decent insurance considering how incredibly expensive healthcare is.
Love it when the liberals attack their own, especially the ones who like to call people stupid. Makaveli was talking about FedEx healthcare coverage, not the ACA. SMH.
Again, wrong. I had hernia surgery under our old plan. Paid 100 and that was it. Yrs ago had broken leg, went to emergency room, 100 no more,that was it.say what you want I know what I. Paid. No need to reply ,I’m done here.
The newer one is over $400 for family with lower benefits. Lol
I’m on the lower plan. It’s like 130/mo for the family. Didn’t realize the better plan was that expensive.
And what are your deductibles, copayments and annual maximum out of pocket and any prescription plan?
Again, your ignorance is showing. The ACA covers ALL health plans by requiring minimum coverage including the 10 essentail benefits and the elimination of caps. along with many completely FREE benefits. Are you trying to claim that the fedex plan prior to the ACA had NO annual or lifetime caps and NO coinsurance that extended beyond your annual deductible??????? Are you claiming that you could get preventative care without ANY copay or deductible prior to the ACA??????? Your premiums went up because your benefits went up. Your annual deductible was NOT a cap on your expenses. Co-insurance applied even AFTER you met the deductible. You were likely ignorant of that unless you had some catastrophic or long term condition while on that plan. If your annual cap was even $3 million before, you now have NO annual cap, so potentially you can collect $billions- an OBVIOUS (to everyone else) benefit INCREASE that vastly outweighs ANY premium increase, especially if the new premium saves you out of pocket on your now FREE, no copay or deductible benefits.
for people at high risk, including people from countries with 2% or more Hepatitis B prevalence, and U.S.-born people not vaccinated as infants and with at least one parent born in a region with 8% or more Hepatitis B prevalence.
for adults 55-80 at high risk for lung cancer because they’re heavy smokers or have quit in the past 15 years
Again, your ignorance is showing. The ACA covers ALL health plans by requiring minimum coverage including the 10 essentail benefits and the elimination of caps. along with many completely FREE benefits. Are you trying to claim that the fedex plan prior to the ACA had NO annual or lifetime caps and NO coinsurance that extended beyond your annual deductible??????? Are you claiming that you could get preventative care without ANY copay or deductible prior to the ACA??????? Your premiums went up because your benefits went up. Your annual deductible was NOT a cap on your expenses. Co-insurance applied even AFTER you met the deductible. You were likely ignorant of that unless you had some catastrophic or long term condition while on that plan. If your annual cap was even $3 million before, you now have NO annual cap, so potentially you can collect $billions- an OBVIOUS (to everyone else) benefit INCREASE that vastly outweighs ANY premium increase, especially if the new premium saves you out of pocket on your now FREE, no copay or deductible benefits.
From Healthcare.gov-----All Marketplace health plans and many other plans MUST cover the following list of preventive services WITHOUT charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.
- Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
- Alcohol misuse screening and counseling
- Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
- Blood pressure screening
- Cholesterol screening for adults of certain ages or at higher risk
- Colorectal cancer screening for adults 50 to 75
- Depression screening
- Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
- Diet counseling for adults at higher risk for chronic disease
- Falls prevention (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting
- Hepatitis B screening
- Hepatitis C screening for adults at increased risk, and one time for everyone born 1945–1965
- HIV screening for everyone ages 15 to 65, and other ages at increased risk
- Immunization vaccinesfor adults — doses, recommended ages, and recommended populations vary:
- Lung cancer screening
- Obesity screening and counseling
- Sexually transmitted infection (STI) prevention counseling for adults at higher risk
- Statin preventive medication for adults 40 to 75 at high risk
- Syphilis screening for adults at higher risk
- Tobacco use screening for all adults and cessation interventions for tobacco users
- Tuberculosis screening for certain adults without symptoms at high risk
Uh oh...
Deductible is $2000, out if pocket max is $5000, prescriptions are $5 generic, 30% copay if it’s not. (If I remember correctly)
Sounds about what is just about everywhere else. You've got two choices. Take lower copays and deductibles in exchange for higher premiums or the opposite. It's all relative. I like what an insurer advisor told me. Take the premium difference and put that in the bank to pay for the higher deductibles and copays. If you never need it, you're dollars ahead. Now I know that this doesn't happen everywhere but the insurance rep who wrote my policy laid it all out in front of me and showed me how the increased coverages were in perfect lockstep with higher premiums. It takes discipline to set that money aside every month and resist the temptation to use it elsewhere but the potential pay back is no doubt there.
I'm not trying to claim anything. Makaveli was clearly talking about FedEx healthcare, and you assumed he was saying something incorrect about the ACA. You're so sensitive about it that you just wrote me a book. Going on and on about things I didn't even mention or allude to. Get a grip. But as I mentioned before, with no lifetime caps on benefits eventually the system will fail. This is what tax and spend liberals never seen to grasp. There is a limit to just how much can be spent because there's only so much money to go around. For example public pensions. Many states and municipalities promised great pensions but now the realization is that pension payouts will have to be slashed. That or declare bankruptcy and get out of their obligation altogether. So go on believing that the ACA will solve everything. Things were the way they were before because the medical field kept raising costs much faster than the rate of inflation. The ACA is supposed to put a brake on that but ultimately that will retire a lot of doctors and discourage others from entering. With fewer doctors and nurses you're going to see longer wait times as well as rising costs. Good luck with that. Enjoy the panacea that is the ACA while it lasts!Again, your ignorance is showing. The ACA covers ALL health plans by requiring minimum coverage including the 10 essentail benefits and the elimination of caps. along with many completely FREE benefits. Are you trying to claim that the fedex plan prior to the ACA had NO annual or lifetime caps and NO coinsurance that extended beyond your annual deductible??????? Are you claiming that you could get preventative care without ANY copay or deductible prior to the ACA??????? Your premiums went up because your benefits went up. Your annual deductible was NOT a cap on your expenses. Co-insurance applied even AFTER you met the deductible. You were likely ignorant of that unless you had some catastrophic or long term condition while on that plan. If your annual cap was even $3 million before, you now have NO annual cap, so potentially you can collect $billions- an OBVIOUS (to everyone else) benefit INCREASE that vastly outweighs ANY premium increase, especially if the new premium saves you out of pocket on your now FREE, no copay or deductible benefits.
From Healthcare.gov-----All Marketplace health plans and many other plans MUST cover the following list of preventive services WITHOUT charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible.
- Abdominal aortic aneurysm one-time screening for men of specified ages who have ever smoked
- Alcohol misuse screening and counseling
- Aspirin use to prevent cardiovascular disease and colorectal cancer for adults 50 to 59 years with a high cardiovascular risk
- Blood pressure screening
- Cholesterol screening for adults of certain ages or at higher risk
- Colorectal cancer screening for adults 50 to 75
- Depression screening
- Diabetes (Type 2) screening for adults 40 to 70 years who are overweight or obese
- Diet counseling for adults at higher risk for chronic disease
- Falls prevention (with exercise or physical therapy and vitamin D use) for adults 65 years and over, living in a community setting
- Hepatitis B screening
- Hepatitis C screening for adults at increased risk, and one time for everyone born 1945–1965
- HIV screening for everyone ages 15 to 65, and other ages at increased risk
- Immunization vaccinesfor adults — doses, recommended ages, and recommended populations vary:
- Lung cancer screening
- Obesity screening and counseling
- Sexually transmitted infection (STI) prevention counseling for adults at higher risk
- Statin preventive medication for adults 40 to 75 at high risk
- Syphilis screening for adults at higher risk
- Tobacco use screening for all adults and cessation interventions for tobacco users
- Tuberculosis screening for certain adults without symptoms at high risk
