New TEAMCARE deductibles

[jumpman23]

start looking into AFLAC people. ive had it for over 2 years and its not super expensive but well worth it if your hurt or have to have medical procedures done.

 

[saintrick]

$1,000+? Isn't the $1,000 out of pocket limit the same on both plans?

Nope, it's covered 100%.

The out of pocket in both plans is $1000 per person but The UPS plan pays 100% so the out of pocket does not come into play.

 

[Inthegame]

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..

No, that is CS for you. They're reading the C-6 enhanced plan which is similar but less attractive than the soon to be unavailable UPS plan. You're under the regular C-6, which means you were responsible for those charges because you haven't met your max OOP. Hope you've fully recovered.

 

[saintrick]

No, that is CS for you. They're reading the C-6 enhanced plan which is similar but less attractive than the soon to be unavailable UPS plan. You're under the regular C-6, which means you were responsible for those charges because you haven't met your max OOP. Hope you've fully recovered.

The only thing enhanced in the C6 plan is the name and maybe 10 copays.

 

[Inthegame]

The only thing enhanced in the C6 plan is the name and maybe 10 copays.

Anyone under the current C-6 would disagree with you and would do double back flips for the enhanced (UPS financed) plan. Good thing they have chiropratic care.

 

[saintrick]

Anyone under the current C-6 would disagree with you and would do double back flips for the enhanced (UPS financed) plan. Good thing they have chiropratic care.

What has changed? All I see are office copays and ER at 100% for accident or injury only.

 

[Bagels]

What has changed? All I see are office copays and ER at 100% for accident or injury only.

The prescription benefit has also changed. But thus far, all that's been released is a limited summary of the new TEAMCARE plan. We have no idea what co-pays/co-insurance charges will be for things such as urgent care visits, mental health, etc. And even the prescription drug coverage is sketchy -- 100% (it says 10%, we assume 100%) up to $50 per prescription at CVS but 100% through CVS mail-order seems very strange. One of my prescriptions cost several hundred dollars per month and is not eligible for mail order -- I question the $50 maximum in-store payment, given that even the most restrictive formularies will pay half. My guess is that what TDU, some some locals, have posted is nothing more than a rough draft.

In any event... sans the deductible, any additional fees incurred by TEAMCARE vs. the current PT plans may be avoided with some hassle. Prior to implantation of the PPO in 2008, we had a traditional insurance plan that was far more costly to us than what we currently enjoy, or will be changing to with TEAMCARE. Interestingly, it seems most people upset with the minor changes have low seniority. If presented the no-cost TEAMCARE option over their current insurance, I'd bet 97-99% of Americans would accept it... and yet there are some people on here acting like a $200 deductible is murder. I'm not understanding.

 

[realbrown1]

The prescription benefit has also changed. But thus far, all that's been released is a limited summary of the new TEAMCARE plan. We have no idea what co-pays/co-insurance charges will be for things such as urgent care visits, mental health, etc. And even the prescription drug coverage is sketchy -- 100% (it says 10%, we assume 100%) up to $50 per prescription at CVS but 100% through CVS mail-order seems very strange. One of my prescriptions cost several hundred dollars per month and is not eligible for mail order -- I question the $50 maximum in-store payment, given that even the most restrictive formularies will pay half. My guess is that what TDU, some some locals, have posted is nothing more than a rough draft.

In any event... sans the deductible, any additional fees incurred by TEAMCARE vs. the current PT plans may be avoided with some hassle. Prior to implantation of the PPO in 2008, we had a traditional insurance plan that was far more costly to us than what we currently enjoy, or will be changing to with TEAMCARE. Interestingly, it seems most people upset with the minor changes have low seniority. If presented the no-cost TEAMCARE option over their current insurance, I'd bet 97-99% of Americans would accept it... and yet there are some people on here acting like a $200 deductible is murder. I'm not understanding.

Bagels, this is why I am unhappy with CS TEAMCARE $200/$400 deductible is that we don't have it under our current UPS healthcare provide plan. So this is a concession. So why are we even talking about 1 concession while the company made 4.38 Billion in profits last year. No concessions, period. No reason for it with that much profit.
I was ok with the pay raises (even though it wasn't cost of living). I was ok with .50 toward pension (even though last contract it was .60) Because these improve on the things we have right now like current wage, pension contribution ect. But I will vote down anything that takes me backwards. This takes us from a near cadilac health plan to a ford fusion health plan. From almost great to just good. Does not get a yes vote from me.

 

[foundinload]

The prescription benefit has also changed. But thus far, all that's been released is a limited summary of the new TEAMCARE plan. We have no idea what co-pays/co-insurance charges will be for things such as urgent care visits, mental health, etc. And even the prescription drug coverage is sketchy -- 100% (it says 10%, we assume 100%) up to $50 per prescription at CVS but 100% through CVS mail-order seems very strange. One of my prescriptions cost several hundred dollars per month and is not eligible for mail order -- I question the $50 maximum in-store payment, given that even the most restrictive formularies will pay half. My guess is that what TDU, some some locals, have posted is nothing more than a rough draft.

In any event... sans the deductible, any additional fees incurred by TEAMCARE vs. the current PT plans may be avoided with some hassle. Prior to implantation of the PPO in 2008, we had a traditional insurance plan that was far more costly to us than what we currently enjoy, or will be changing to with TEAMCARE. Interestingly, it seems most people upset with the minor changes have low seniority. If presented the no-cost TEAMCARE option over their current insurance, I'd bet 97-99% of Americans would accept it... and yet there are some people on here acting like a $200 deductible is murder. I'm not understanding.

I guess that means that "WE are the 1%!"

 

[Bagels]

Bagels, this is why I am unhappy with CS TEAMCARE $200/$400 deductible is that we don't have it under our current UPS healthcare provide plan. So this is a concession. So why are we even talking about 1 concession while the company made 4.38 Billion in profits last year. No concessions, period. No reason for it with that much profit.
I was ok with the pay raises (even though it wasn't cost of living). I was ok with .50 toward pension (even though last contract it was .60) Because these improve on the things we have right now like current wage, pension contribution ect. But I will vote down anything that takes me backwards. This takes us from a near cadilac health plan to a ford fusion health plan. From almost great to just good. Does not get a yes vote from me.

Cadillac to Ford Fusion health plan? LOL. We have minimal idea of what the changes will be, and so far, with minor hassle, the coverage is identical to what we previously enjoyed (sans the deductible). As I mentioned, prior to 2008 we had a traditional health insurance plan that was significantly more costly than what TEAMCARE will be.

Nearly 97% (!) of private sector employees pay for health insurance, with an average co-deductible cost of $4300 for family coverage. Average deductible is $1200, average co-pays are $22 for PCP and $33 for specialists; average emergency room visit is over $100, etc. And you consider a no-cost health insurance plan with significantly cheaper deductibles, co-insurances & co-pays to be a "Ford Fusion" plan? Really?

Sure, UPS made significant profits last year and we're getting taken care of. We're getting raises more than double that of historical inflation & continue to enjoy no-cost health insurance with minimal out-of-pocket cost (despite soaring health care costs). Given that UPS is a large international company that's branched into global supply chain & logistics management, I think the Teamsters are getting a generous share of the profits -- probably a disproportional amount.

 

[LongTimeComing]

The prescription benefit has also changed. But thus far, all that's been released is a limited summary of the new TEAMCARE plan. We have no idea what co-pays/co-insurance charges will be for things such as urgent care visits, mental health, etc. And even the prescription drug coverage is sketchy -- 100% (it says 10%, we assume 100%) up to $50 per prescription at CVS but 100% through CVS mail-order seems very strange. One of my prescriptions cost several hundred dollars per month and is not eligible for mail order -- I question the $50 maximum in-store payment, given that even the most restrictive formularies will pay half. My guess is that what TDU, some some locals, have posted is nothing more than a rough draft.

In any event... sans the deductible, any additional fees incurred by TEAMCARE vs. the current PT plans may be avoided with some hassle. Prior to implantation of the PPO in 2008, we had a traditional insurance plan that was far more costly to us than what we currently enjoy, or will be changing to with TEAMCARE. Interestingly, it seems most people upset with the minor changes have low seniority. If presented the no-cost TEAMCARE option over their current insurance, I'd bet 97-99% of Americans would accept it... and yet there are some people on here acting like a $200 deductible is murder. I'm not understanding.

It doesn't mean 100%....it means you pay 10% of the total cost of the script up to a maximum of $50 if you go to a store. Mail ordering, if it's covered and offered, will be 100% coverage. Mail ordering scripts has always been handled differently in health care plans, and usually for the better. Why? I have no clue.

 

[kingOFchester]

Quick question on deductible.

Do we pay the deductible first before any of the insurance kicks in?

Another words, lets say in year 2017 where it is 200/400 and I only have one medical bill for a dr visit that year that is a 200 dollar bill, I would have to pay the entire bill of 200 or just the 10 dollar co-pay.

 

[Ms.PacMan]

This takes us from a near cadilac health plan

Quit misusing this phrase - please! "Cadillac health plan" was a phrase meant to convey that a plan was very costly without giving much in the way of benefits. The UPS plan was in line for cost. The Teamsters never released their figures on the W-2 so I can't speak for that plan.

 

[PT Stewie]

I spoke to my BA at length yesterday because I was getting a lot of questions about the deductibles.Got a couple of examples verbally that should be available in writing from your local.1st) something catastrophic like open heart surgery, total expenses $240,000.00 your deductible would be $1060.00 for ambulance,copay on meds, doctor visits,and copay on rehab. That is it. 2nd) Having a baby, total expenses $15,000.00 your deductible would be $160.00 .
Also the Team Care plan will be underwritten by Blue Cross /Blue Shield . The diagnostic network like Quest and US Imaging will be built up in the network for convienence, other venues should be available @ 100% if the two diagnostics centers are not near your location.
Our local has a meeting about all aspects of the TA next Saturday as I am sure all of your locals have scheduled meetings .I urge all of you to attend the meetings to get the detail information not bits and pieces here, the TDU slant, or even whispering down the lane at work. From what I understand when the local leadership (your leadership) met in Washington on Tuesday last there was not one dissenting vote in the house. Know everything before you vote.

 

[Catatonic]

Quit misusing this phrase - please! "Cadillac health plan" was a phrase meant to convey that a plan was very costly without giving much in the way of benefits. The UPS plan was in line for cost. The Teamsters never released their figures on the W-2 so I can't speak for that plan.

This is the limits: The Patient Protection and Affordable Care Act (as amended by the Health Care and Education Reconciliation Act of 2010) imposes an annual excise tax on plans with premiums exceeding $10,200 for individuals or $27,500 for a family (not including vision and dental benefits) starting in 2018.[SUP][4][/SUP]

The Teamsters were able to get an exemption for Unions.
The cost for UPS to provide an individual healthcare insurance is $9592 and $19,184 for a family.
This is getting close to meeting the limits for an individual.

Another reason for UPS to let the Teamsters assume the provider role since the Union is exempt.

 

[saintrick]

I spoke to my BA at length yesterday because I was getting a lot of questions about the deductibles.Got a couple of examples verbally that should be available in writing from your local.1st) something catastrophic like open heart surgery, total expenses $240,000.00 your deductible would be $1060.00 for ambulance,copay on meds, doctor visits,and copay on rehab. That is it. 2nd) Having a baby, total expenses $15,000.00 your deductible would be $160.00 .
Also the Team Care plan will be underwritten by Blue Cross /Blue Shield . The diagnostic network like Quest and US Imaging will be built up in the network for convienence, other venues should be available @ 100% if the two diagnostics centers are not near your location.
Our local has a meeting about all aspects of the TA next Saturday as I am sure all of your locals have scheduled meetings .I urge all of you to attend the meetings to get the detail information not bits and pieces here, the TDU slant, or even whispering down the lane at work. From what I understand when the local leadership (your leadership) met in Washington on Tuesday last there was not one dissenting vote in the house. Know everything before you vote.

So your BA just confirmed that the current UPS plan is better and the move to the C6 will include a substantial increase in cost.

 

[saintrick]

The prescription benefit has also changed. But thus far, all that's been released is a limited summary of the new TEAMCARE plan. We have no idea what co-pays/co-insurance charges will be for things such as urgent care visits, mental health, etc. And even the prescription drug coverage is sketchy -- 100% (it says 10%, we assume 100%) up to $50 per prescription at CVS but 100% through CVS mail-order seems very strange. One of my prescriptions cost several hundred dollars per month and is not eligible for mail order -- I question the $50 maximum in-store payment, given that even the most restrictive formularies will pay half. My guess is that what TDU, some some locals, have posted is nothing more than a rough draft.

In any event... sans the deductible, any additional fees incurred by TEAMCARE vs. the current PT plans may be avoided with some hassle. Prior to implantation of the PPO in 2008, we had a traditional insurance plan that was far more costly to us than what we currently enjoy, or will be changing to with TEAMCARE. Interestingly, it seems most people upset with the minor changes have low seniority. If presented the no-cost TEAMCARE option over their current insurance, I'd bet 97-99% of Americans would accept it... and yet there are some people on here acting like a $200 deductible is murder. I'm not understanding.

The idea that 97-99% outside of UPS would jump at a chance to have the C6 plan is not germane to the situation.

 

[LongTimeComing]

The idea that 97-99% outside of UPS would jump at a chance to have the C6 plan is not germane to the situation.

How's that? What 'situation' are we talking about here? The fact that there is a loud group of people who are being intentionally ignorant, greedy, and hard headed on the matter of today's health care costs? So much so, that they intend to try to extend a bargaining period by voting no on the TA for a VERY GOOD health care plan? "Sure, lets lose more volume and customer confidence because of our slightly less but still ****ING FREE benefits!"

Remove head from ass. Just be careful, you may have to pay a copay for that now....

The fact that almost anyone else in this country would do anything for the plan that you are scoffing at is very relevant (germane) to the situation. You aren't being wronged by anyone other than the medical industry, yet you can't admit when you have a good thing. Live in reality for once. It's free benefits that's still better than most every other plan out there that people pay a hefty sum for....(yes, MORE than the $90 a week UPS was going to start charging...).

 

[Bagels]

This is the limits: The Patient Protection and Affordable Care Act (as amended by the Health Care and Education Reconciliation Act of 2010) imposes an annual excise tax on plans with premiums exceeding $10,200 for individuals or $27,500 for a family (not including vision and dental benefits) starting in 2018.[SUP][4][/SUP]

The Teamsters were able to get an exemption for Unions.
The cost for UPS to provide an individual healthcare insurance is $9592 and $19,184 for a family.
This is getting close to meeting the limits for an individual.

Another reason for UPS to let the Teamsters assume the provider role since the Union is exempt.

On our W2 in my location, UPS valued our company-provided PT benefits at $4900 for individual and $9100 for family. A friend of mine in Des Moines reported his company-provided PT benefits at $3800.

 

[Bagels]

The idea that 97-99% outside of UPS would jump at a chance to have the C6 plan is not germane to the situation.

UPS was no longer willing to provide the status quo no-cost benefits. Some people really need to accept that this was not an option. The compromised TEAMCARE benefits aren't perfect, but will have minimal cost to us with minor hassle As I've mentioned before, it's still significantly ;ess than the out-of-pocket costs occurred by the traditional plan we enjoyed prior to 2008.