Ms.PacMan
Well-Known Member
Broken bones are outpatient - ER stuff. Are these x-ray labs in hospitals? Don't see them in my area.
New TEAMCARE deductibles
- Thread starter realbrown1
- Start date
Broken bones are outpatient - ER stuff. Are these x-ray labs in hospitals? Don't see them in my area.
balland chain
Well-Known Member
IN my plan, any hospital visit is 200 dollars plus 20% of the total bill.. We did get a Quest diagnostic card, but I have not found one local that does X-rays..When I need a ray or a ctscan for my chronic kidney stones I have to pay 100 dollars up front, each time then 20% of the total bill.. This is the Central States plan that the Union thinks is so great, and now they want to shove more into this dog !
PT Stewie
"Big Fella"
How so please site the differances ?
ajblakejr
Age quod agis
It sucks.
Keep in mind the cost of healthcare is now a shared expense for everyone.
As much as you want to be looked at as an individual working for UPS; we are now just a pool of money to make HC affordable for everyone.
If you know you need elective surgery; get it done NOW.
Keep in mind the cost of healthcare is now a shared expense for everyone.
As much as you want to be looked at as an individual working for UPS; we are now just a pool of money to make HC affordable for everyone.
If you know you need elective surgery; get it done NOW.
kingOFchester
Well-Known Member
Dental annual max: $1500.00 vs none
kingOFchester
Well-Known Member
What does this mean:
The STD will remain the same as the current UPS benefit. UPS will pay for the difference of the c6 benefit and the UPS benefit?
or
The life insurance will remain the same as the current UPS benefit. UPS will pay for the difference of the c6 benefit and the UPS benefit?
or
Dental benefit will remain the same as the current UPS benefit. UPS will pay for the difference of the c6 benefit and the UPS benefit?
The STD will remain the same as the current UPS benefit. UPS will pay for the difference of the c6 benefit and the UPS benefit?
or
The life insurance will remain the same as the current UPS benefit. UPS will pay for the difference of the c6 benefit and the UPS benefit?
or
Dental benefit will remain the same as the current UPS benefit. UPS will pay for the difference of the c6 benefit and the UPS benefit?
saintrick
Well-Known Member
Ups plan $0 deductible
CS plan 200/400
UPS plan major medical 100%
CS plan out of pocket 1000/2000
UPS plan xray diagnostic 90%
CS plan 80% (unless you use Quest/US imaging)
UPS plan has outstanding out of network benefits
The CS plan is a good plan.
The UPS plan is better.
Don't forget we pay $5 for medication worth over $500 and $0 for medication under $500. In the current central its 10% of the price automatically to a max of $50. I don't know where you get your X-rays but I don't pay a penny for mine. I wonder how much my chiropractic is gonna be with the ****ty C6 aka TEAMCARE Plan?
I'm sorry if this is really elementary, but I'm a little in the dark on some of this insurance lingo... When I have say a $100 family deductible, what goes toward paying that $100? I mean, if I go in for my first Dr.'s visit of the year, will I pay the whole bill if the bill is say $95? Or will I just pay a $10 copay and then have $90 left on my family deductible?
And what counts toward out of pocket max expense totals? Does the deductible amount count for that? Do the copays count toward that? And what qualifies as "Major Medical"?
Also, will my insurance still be Aetna, or will it technically be something else? And if it's something else, does that mean there a chance my current Dr. won't take that insurance and I'll have to switch doctors?
And what counts toward out of pocket max expense totals? Does the deductible amount count for that? Do the copays count toward that? And what qualifies as "Major Medical"?
Also, will my insurance still be Aetna, or will it technically be something else? And if it's something else, does that mean there a chance my current Dr. won't take that insurance and I'll have to switch doctors?
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Bagels
Family Leave Fridays!!!
Maintaining the status quo benefits wasn't an option. If we were to receive it, we'd have to strike, which would lead to a devastating number of job losses. Ironically, the persons most affected are the low-seniority PTers complaining about the minor changes. Honestly, if you haven't vested much time into UPS, then you should have no problem finding a new PT job that offers excellent, no-cost benefits. Oh, wait...
Typically, a doctor charges an escalating office visit fee as well as fees for services rendered. Under most insurances, you'd pay the co-pay toward the office visit, then 100% of the fees for services rendered until your deductible has been met. So if you have a $100 deductible & went to an in-network doctor and his bill is adjusted to $85 for the office visit, $90 for some x-rays and $30 for lab work, you'd pay $10 for the office visit, $100 toward the x-ray and lab work, then your co-insurance (10%) for the remaining $30. Then whenever you see the doctor again, you'd pay $10 + your co-insurance.
"Major Medical" is everything billed to you. Typically, co-pays do not count toward deductible or out of pocket costs but it varies from plan to plan. Deductibles do count toward maximum out of pocket. Once you reach that point, your care is covered at 100%.
It may or may not change - those details haven't been decided / released. Most family doctors accept every major insurance provider, so I doubt it will be a problem. May be for some specialists.
Typically, a doctor charges an escalating office visit fee as well as fees for services rendered. Under most insurances, you'd pay the co-pay toward the office visit, then 100% of the fees for services rendered until your deductible has been met. So if you have a $100 deductible & went to an in-network doctor and his bill is adjusted to $85 for the office visit, $90 for some x-rays and $30 for lab work, you'd pay $10 for the office visit, $100 toward the x-ray and lab work, then your co-insurance (10%) for the remaining $30. Then whenever you see the doctor again, you'd pay $10 + your co-insurance.
"Major Medical" is everything billed to you. Typically, co-pays do not count toward deductible or out of pocket costs but it varies from plan to plan. Deductibles do count toward maximum out of pocket. Once you reach that point, your care is covered at 100%.
It may or may not change - those details haven't been decided / released. Most family doctors accept every major insurance provider, so I doubt it will be a problem. May be for some specialists.
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Delivered
Well-Known Member
The most important difference is: The Central States Trustees can change that plan at anytime including 1 month after you approve the contract. They will not ask for your input or take a vote. Central States Trustees can make your deductible $10,000 if they want to, they can quit covering all Rx items. No More xrays. They don't give a **** about you or your family. VOTE NO
Like I have stated before in other posts in the past. They will shift around the money pot they always have. Teamsters can not afford to do this over the next 10 yrs. Even if they get UPs to give to the pensions more and to the health funds as well. They will mark my words have to ask the person who they cover to pay. I have no problems with paying some towards my health care, but we need to take the time to look at what the BA's in our locals make and what kind of health care plasn they have.
So if you fire all your BA's and hire new ones at $10 an hour, you think your H&W costs will go down? Hope your plan covers mental health.
The TA calls for H&W and Pension contributions equal to last contract.
Thanks Bagels for the info. That helps a lot. You mentioned co-insurance. When I was looking at the comparison between TeamCare and the UPS Plan, the only co-insurance I really saw was for like the chiropractic or the lab stuff right? So for normal Dr.'s visits you would just pay the $10 copay and not any co-insurance correct? I guess I was just wondering where you got that 10% co-insurance number from in the example you gave me. Thanks for helping me out with this. Our money is a bit tight and I'm actually just trying to wrap my mind around this to understand how this could affect us budget-wise if this passes. Thanks.
saintrick
Well-Known Member
ER visit under the C6 plan is paid at 100% (after your $200 deductible if not met prior) only in the event of an accident or injury. If you visit the ER for chest pains or a high fever the C6 will only pay 80% after deductible.
From the CS site:
| Q | Are emergency room visits covered at 100%? |
| A | Emergency room visits under Plans C6 or C4, are payable at 100% on the 1st day treatment for an accident or injury after the Plan deductible has been met. If you go to the emergency room for an illness (e.g. fever, chest pains, etc.), the visit is covered under the Major Medical Benefit and payable at 80% once the Plan deductible has been met. |
The UPS plan paid 100% after a $25 copay.
An ER visit under the C6 plan may cost $1000+
The fact that the enhanced C6 plan is presented as being similar to the UPS plan is deceptive.
UPS Preloader
Well-Known Member
$1,000+? Isn't the $1,000 out of pocket limit the same on both plans?
realbrown1
Annoy a liberal today. Hit them with facts.
Nope, it's covered 100%.
balland chain
Well-Known Member
When I went to the hospital 2 months ago, I had to pay 200 up front, then 20% of the total bill..I am not sure what you are reading, but I DID get a bill for 20% and it was an injury... and my part of the bill was over 450.00 dollars, so the 4 hours in the ER cost me 650.00 dollars..That is CS for ya..
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