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<blockquote data-quote="Inthegame" data-source="post: 3719260" data-attributes="member: 37112">Since the massive deductible you speak of is clearly written in the 2013-2018 CBA, you might want to check on the proposed language for your answer. Changes are bolded, otherwise language remains.What? An improvement? And here I thought the proposal was laced with concessions.News alert...yearly H&amp;W costs have increased for a while. But since your wife has done an exhaustive comparison regarding health plans, could she direct us to a better plan for less money? I&quot;ll wait.We don&#039;t have individual accounts. TeamCare is a Taft Hartley, NOT FOR PROFIT, self funded, group coverage plan. What goes in, goes out to pay claims, with some left over to build reserves for anomalies in avg per month expenses.A comparable private plan, if it exists, would costs 15-20% more as shareholders, not patients, would demand ROI. TeamCare assesses costs fairly based on experience. PT&#039;s are generally younger (and healthier) without dependents, therefore less claims = lower costs.Would you suggest PT&#039;s cost be equal to FT&#039;s?</blockquote>

[QUOTE="Inthegame, post: 3719260, member: 37112"] Since the massive deductible you speak of is clearly written in the 2013-2018 CBA, you might want to check on the proposed language for your answer. Changes are [B]bolded[/B], otherwise language remains. What? An improvement? And here I thought the proposal was laced with concessions. News alert...yearly H&W costs have increased for a while. But since your wife has done an exhaustive comparison regarding health plans, could she direct us to a better plan for less money? I"ll wait. We don't have individual accounts. TeamCare is a Taft Hartley, NOT FOR PROFIT, self funded, group coverage plan. What goes in, goes out to pay claims, with some left over to build reserves for anomalies in avg per month expenses. A comparable private plan, if it exists, would costs 15-20% more as shareholders, not patients, would demand ROI. TeamCare assesses costs fairly based on experience. PT's are generally younger (and healthier) without dependents, therefore less claims = lower costs. Would you suggest PT's cost be equal to FT's? [/QUOTE]

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