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Xelindrya
Mommy's little YouTube Star!
Member since 8/05 14470 total posts
Name:
Veronica
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ACA: Have you gotten your updated health plans from work yet?
Just curious..
A few of my friends on FB who live in NY are none too pleased. One lost his insurance with Aetna and the next cheapest offer was nearly triple the premium with double the deductible.
And folks in Texas are now getting their plans from their employers and they are doubling up in premiums at the very least if not more.
I don't get mine till next week and I'm honestly starting to dread it. 
Its a new company I work for so I have no idea what to expect. Since I work for a company now whose original base was accounting then heavy on Employee Benefits and LASTLY my type of insurance (commerical broker) the emails we get corporate wide have been vague and at the same time cautionary. It is in their business to advise clients regarding employee benefit costs (health care, vision , dental etc) so its a strange angle for me to see this from. I'm still a little confused on the most important question "How will this affect ME?"
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Posted 10/30/13 11:45 AM  |
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mrsm-2011
He is my world!
Member since 6/12 3009 total posts
Name:
Theresa
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Re: ACA: Have you gotten your updated health plans from work yet?
The insurance carrier is not going to be offering the plan I currently have next year. I have been asking my boss about the new insurance plan options since October 1st. She said the broker hasn't got back to her about pricing but has the book with the different plans in it. I will be asking again on November 1st! I am hoping the plans are more affordable because I will have to either add DH to mine or go into the healthcare exchange to get him a plan.
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| Posted 10/30/13 11:51 AM |
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Dani922
Here's to new beginnings
Member since 10/07 7260 total posts
Name:
Danielle
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Re: ACA: Have you gotten your updated health plans from work yet?
We changed carriers from one widely accepted carrier to another widely accepted carrier. The cost difference for me is nothing or pennies depending how many people you're covering. The copays for certain things changed. Overall cant complain.
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| Posted 10/30/13 11:54 AM |
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ElizaRags35
My 2 Girls
Member since 2/09 20494 total posts
Name:
Me
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ACA: Have you gotten your updated health plans from work yet?
From what I hear, it's just a slight increase in the premium - about $100. About the same as usual.
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| Posted 10/30/13 11:59 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54917 total posts
Name:
..being a mommy and being a wife!
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Re: ACA: Have you gotten your updated health plans from work yet?
I get insurance through my husband and nothing is changing.
From what I hear we are exempt from all this - thank God.
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| Posted 10/30/13 12:10 PM |
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Xelindrya
Mommy's little YouTube Star!
Member since 8/05 14470 total posts
Name:
Veronica
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Re: ACA: Have you gotten your updated health plans from work yet?
Posted by ElizaRags35
From what I hear, it's just a slight increase in the premium - about $100. About the same as usual.
Im hoping for this.. but I dont know. My old company 'self insured' so they really paid for all of it then passed down a small portion to us. Not sure how this one works here.
but the stuff im seeing online from fb folks is pretty crazy. I am telling myself to just hold tight and be grateful I got a new job. It would have been worse had I seen an increase on my OLD pay at least I have something to off set it with.. (positive thinking.... positive thinking....)
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| Posted 10/30/13 12:11 PM |
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Xelindrya
Mommy's little YouTube Star!
Member since 8/05 14470 total posts
Name:
Veronica
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Re: ACA: Have you gotten your updated health plans from work yet?
Posted by mrsm-2011
The insurance carrier is not going to be offering the plan I currently have next year. I have been asking my boss about the new insurance plan options since October 1st. She said the broker hasn't got back to her about pricing but has the book with the different plans in it. I will be asking again on November 1st! I am hoping the plans are more affordable because I will have to either add DH to mine or go into the healthcare exchange to get him a plan.
This is what Im hearing on our corporate emails. They just dont know yet. It may not seriously affect you now as they can lock in rates etc, but that when 3/31/14 comes around things may or may not affect your 2015 term.
So far they keep telling us to tell our clients that:
"these issues are moving targets. Just as soon as there is official guidance, we will provide it to you."
which to me is vague and utterly unhelpful. But just so you know.. if your folks say they don't know, they really may not. But its not necessarily the broker's fault either.
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| Posted 10/30/13 12:14 PM |
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jessnbrian
Only God knows His plan for us
Member since 4/13 7238 total posts
Name:
Jessica
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ACA: Have you gotten your updated health plans from work yet?
No change so far, but my insurance is through DH's job and the company is primarily in Wisconsin.
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| Posted 10/30/13 12:15 PM |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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ACA: Have you gotten your updated health plans from work yet?
We got ours last week. Almost the same except I pay $10 per pay period more for a family plan which is fine cause my per month cost is still less than DH would pay per pay period for just himself.
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| Posted 10/30/13 12:17 PM |
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Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
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ACA: Have you gotten your updated health plans from work yet?
We are all on my plan. I got communication yesterday from HR saying that if you cover your spouse (I do) and he has a job that offers health insurance (he does) if he elects not to take it and continue coverage on my plan (he was) we get charged an additional $100.00 per month surcharge.
Message edited 10/30/2013 12:19:56 PM.
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| Posted 10/30/13 12:19 PM |
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Jugglemom
LIF Adolescent
Member since 3/12 809 total posts
Name:
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Re: ACA: Have you gotten your updated health plans from work yet?
Posted by Serendipity
We are all on my plan. I got communication yesterday from HR saying that if you cover your spouse (I do) and he has a job that offers health insurance (he does) if he elects not to take it and continue coverage on my plan (he was) we get charged an additional $100.00 per month surcharge.
Same except we are on my DH's plan. I received an email from my company saying the same. DH's open enrollment is in April so we will see what happens then.
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| Posted 10/30/13 12:31 PM |
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MrsM-6-7-08
<3
Member since 8/06 4249 total posts
Name:
Nicole
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Re: ACA: Have you gotten your updated health plans from work yet?
Our plan we have currently through oxford almost doubled, from 420 to 780 cost for a single with 75 dollar copays up from 30 dollar copays, we are waiting for our broker to find us something use and fast!
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| Posted 10/30/13 12:33 PM |
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JSDB
<3
Member since 1/13 1329 total posts
Name:
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Re: ACA: Have you gotten your updated health plans from work yet?
My employer is no longer offering the plan I was on. We now have two high-deductible plans to choose from, with significantly lower premiums, although much higher deductibles as well. I would have preferred to keep my old plan. We are trying to decide what plans to choose and if we all want to move onto one plan (previously DS and I were on my insurance, DH on his own through his job).
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| Posted 10/30/13 12:37 PM |
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MrsA1012
love my little girl !
Member since 9/10 5777 total posts
Name:
Me
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ACA: Have you gotten your updated health plans from work yet?
Nothing has changed , thank god !
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| Posted 10/30/13 12:45 PM |
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Paramount
Sweet!
Member since 7/12 4287 total posts
Name:
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Re: ACA: Have you gotten your updated health plans from work yet?
Posted by Serendipity
We are all on my plan. I got communication yesterday from HR saying that if you cover your spouse (I do) and he has a job that offers health insurance (he does) if he elects not to take it and continue coverage on my plan (he was) we get charged an additional $100.00 per month surcharge.
This is what I don't understand.
1. How can they DO that? I know they can, it just seems unconscionable.
2. How do they know? Do they call up your husbands place of business and ask about his coverage? What HR person would answer such a question?
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| Posted 10/30/13 1:02 PM |
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Shroggie
Don't Worry...Be Happy
Member since 5/06 6261 total posts
Name:
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Re: ACA: Have you gotten your updated health plans from work yet?
Same plan/coverage and very minimal increase in cost (less than $50/year).
Everyone is very pleased.
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| Posted 10/30/13 1:18 PM |
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hunnybunnyxoxo
this is what it's all about
Member since 11/07 3321 total posts
Name:
Lisa
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Re: ACA: Have you gotten your updated health plans from work yet?
Our options changed for 2014.
right now, we have $20 copay, no deductible, and we are covered 90%
the options for next year all have deductibles of $2-3,000 and our rx is subject to deductible and we are responsible for 20% after deductible has been met.
there is another plan where you pay more per month, with a smaller deductible but you pay a copay for the rx and you are responsible for 30% after deductible.
thankful that my company will kick in some funds for my HSA.
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| Posted 10/30/13 1:31 PM |
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Millie3
LIF Adult
Member since 7/13 1280 total posts
Name:
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Re: ACA: Have you gotten your updated health plans from work yet?
PPO plan is gone now, we only have HSA. Deductibles and copays are much higher now. This is an enormous company , but they need to save $ I suppose
For this year I think many people won't be affected. Next year will be another story for2015 benefits.
Message edited 10/30/2013 1:40:20 PM.
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| Posted 10/30/13 1:36 PM |
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Xelindrya
Mommy's little YouTube Star!
Member since 8/05 14470 total posts
Name:
Veronica
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Re: ACA: Have you gotten your updated health plans from work yet?
Posted by Jugglemom
Posted by Serendipity
We are all on my plan. I got communication yesterday from HR saying that if you cover your spouse (I do) and he has a job that offers health insurance (he does) if he elects not to take it and continue coverage on my plan (he was) we get charged an additional $100.00 per month surcharge.
Same except we are on my DH's plan. I received an email from my company saying the same. DH's open enrollment is in April so we will see what happens then.
so a $1200 a year increase...
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| Posted 10/30/13 4:06 PM |
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mrsboss
my little love
Member since 12/09 5054 total posts
Name:
Me
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ACA: Have you gotten your updated health plans from work yet?
To keep the exact same coverage as 2013, my premiums increased about 7%, which is a lot.
So that whopping 3% raise I got really means nothing.
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| Posted 10/30/13 4:33 PM |
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Cacarina
Two girls!
Member since 12/09 2971 total posts
Name:
Cari
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ACA: Have you gotten your updated health plans from work yet?
I answered "other" because my health plan oddly runs from June-June.
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| Posted 10/30/13 4:35 PM |
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ChilisWife
God Bless America
Member since 5/05 3570 total posts
Name:
A.K.
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Re: ACA: Have you gotten your updated health plans from work yet?
I'm sick about how much my health plan costs went up for next year due to the plan having to make adjustments to comply with the ACA requirements. Besides the premium increasing, the deductible skyrocketed, as did the annual maximum. I'll keep it since it is still much cheaper than the health care exchanges would cost for my family - which makes no sense to me, but it is what it is.
I'm sick of hearing all of the ACA lovers tell me how it's not the ACA's fault but it's because of insurance companies not wanting to shoulder the costs. I'm sick of hearing people say how they would never care about paying so much more for their health care so that other people can get it for free.
The White House ADMITTED that they LIED about people being able to keep their existing plans! Doesn't anybody see anything wrong with that?
OK sorry vent over.
Message edited 10/30/2013 6:18:36 PM.
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| Posted 10/30/13 6:17 PM |
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ACA: Have you gotten your updated health plans from work yet?
We pay 70 more a month for 2 people, and our deductible went from 500 a person to 1k a person
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| Posted 10/30/13 8:15 PM |
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Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
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Re: ACA: Have you gotten your updated health plans from work yet?
Posted by Paramount
Posted by Serendipity
We are all on my plan. I got communication yesterday from HR saying that if you cover your spouse (I do) and he has a job that offers health insurance (he does) if he elects not to take it and continue coverage on my plan (he was) we get charged an additional $100.00 per month surcharge.
This is what I don't understand.
1. How can they DO that? I know they can, it just seems unconscionable.
2. How do they know? Do they call up your husbands place of business and ask about his coverage? What HR person would answer such a question?
I sad the same. The email says anyone who falsifies info will be subject to disciplinary actions.
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| Posted 10/30/13 9:47 PM |
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Serendipity
Summer!
Member since 4/07 7631 total posts
Name:
PrayingWishingHopingALOT
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Re: ACA: Have you gotten your updated health plans from work yet?
Posted by ChilisWife
I'm sick about how much my health plan costs went up for next year due to the plan having to make adjustments to comply with the ACA requirements. Besides the premium increasing, the deductible skyrocketed, as did the annual maximum. I'll keep it since it is still much cheaper than the health care exchanges would cost for my family - which makes no sense to me, but it is what it is.
I'm sick of hearing all of the ACA lovers tell me how it's not the ACA's fault but it's because of insurance companies not wanting to shoulder the costs. I'm sick of hearing people say how they would never care about paying so much more for their health care so that other people can get it for free.
The White House ADMITTED that they LIED about people being able to keep their existing plans! Doesn't anybody see anything wrong with that?
OK sorry vent over.
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| Posted 10/30/13 9:48 PM |
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