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The newest despicable act from employer health care provider!

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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:28 PM
Original message
The newest despicable act from employer health care provider!
Employer provided health care providers are always looking for new ways to screw you. This week my HR told the employees if we had our spouses on the health care plan they would be dropped from the insurance at the first of the year. The only exception being, if your spouse was unemployed and or their place of employment didnt provide health insurance.
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napi21 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:33 PM
Response to Original message
1. So they've decided not to offer a family plan. What about kids?
It's the family plans that cover spouses and children. What are they doing about that?
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:40 PM
Response to Reply #1
5. They still offer family plans, but they won't cover the spouse
if they're employed!

Thus causing the employee spouse to purchase their own insurance.
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ourbluenation Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:41 PM
Response to Reply #5
7. can they purchase it thru your employer? Meaning you pay the premium for the spouse?
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:46 PM
Response to Reply #7
14. Not if the spouses employer offers health insurance.
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napi21 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:52 PM
Response to Reply #5
17. I suspect the reason for this is that most employers pay at least a
portion of their employees HC costs, and they don't want to foot the bill if some other company would pay those costs for their OWN employees. What have they done with the premiums if they're not covering your spouse? Although I don't like to see this happening, it may work out cheaper for you to pay the premium at your own respective companies.

It actually sounds like your company is quite behind the times. It used to be, back when the employee & their family was covered for HC at no cost, if both people were employed, there was double coverage. What they did then was have one co.l plan be the primary and the other the secondary. That was a long time ago, and hasnt been relative for a long time.
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Tangerine LaBamba Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 11:02 PM
Response to Reply #17
20. It was called "over-insured"
Boy, those were the days, no?

This company really is rather delayed in making this decision.
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ourbluenation Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 11:05 PM
Response to Reply #20
22. They sure are. The OP was lucky to have this option at all. n/t
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Dec-06-08 08:37 AM
Response to Reply #22
25. The OP didn't have that option. . .
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The_Casual_Observer Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:37 PM
Response to Original message
2. What do they do, sit around a table and sus out this shit in "close the
Edited on Fri Dec-05-08 10:38 PM by The_Casual_Observer
loophole & fuck the rate payer" sessions? I hope they all fry in hell. I'm fucking sick of every god damn bastard that is taking my money for some insurance or credit deal trying to tighten the noose on me. Fuck them, before long nobody is going to play along/bow down anymore & they'll all be history. The whole cha-cha will be history.
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fudge stripe cookays Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:38 PM
Response to Original message
3. God. So sorry.
Is there anything these fuckers won't do to screw people?
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area51 Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:39 PM
Response to Original message
4. Spouse question
What if the spouse's employer does offer healthcare, but the spouse has a pre-existing condition and they won't insure him?


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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:42 PM
Response to Reply #4
8. Good question. . . I have no idea. . . My HR did say that all insurance
providers are going to this, so beware it's coming to everyone!
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dflprincess Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:51 PM
Response to Reply #4
16. Or open enrollment at the spouse's employer has closed this year (nt)
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 11:01 PM
Response to Reply #16
19. My spouse open enrollment was in November. My employer
Edited on Fri Dec-05-08 11:02 PM by B Calm
provided two letters for her employer explaining what is going on. We were hoping her employer wouldn't let her in after open enrollment, but they are. It will now cost us an additional 150 dollars a month just for her and that's not including my plan costs.

It's coming to everyone, so be on the watch!
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ourbluenation Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:40 PM
Response to Original message
6. so really they're dropping the spouse if he or she is covered by their employer?
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:43 PM
Response to Reply #6
10. No. They are forcing the spouse to be covered by their employer!
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ourbluenation Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:46 PM
Response to Reply #10
13. that's actually not that unusual. n/t
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RB TexLa Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:43 PM
Response to Original message
9. It's your employer doing it not the insurance company.
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Dec-06-08 08:20 AM
Response to Reply #9
24. You are right. . . but first the insurance co offers ways to cut costs.
The funny thing is, my wife's co offers Blue Cross, and so does mine. So now I'll have to pay not for one, but for two separate plans. Costing us an additional 250 dollars a month that we're not paying now. All this at a time when the cost of living went up 17% for this year alone. Needless to say our employers are not giving us 17% raises. In fact we are making 1980s wages in 2008.
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Digit Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:44 PM
Response to Original message
11. Jeez, that is insane
Sorry you are having to go through all this.
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ourbluenation Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:45 PM
Response to Original message
12. my husbands employer covers his premium 100%, but the premium for me and the kids comes out of his
paycheck. My employer covers me 100% and only pays $50 towards all dependant coverage. You should consider yourself fortunate that your employer covered your spouses premium at all.

Did they say why they are doing this?
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nini Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:47 PM
Response to Original message
15. I believe the companies choose the plans they offer you
Edited on Fri Dec-05-08 10:50 PM by nini
being they pay part of the premium.

Your company is trying to save money and has dropped the spouse option except for the reasons you sate.

on edit: I'm not sure if you mean the insurance company or your employer :-(
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 10:54 PM
Response to Reply #15
18. company is always trying to save money on the backs of the workers.
After all, the CEO needs another yacht!
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RB TexLa Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 11:04 PM
Response to Reply #18
21. Getting them to go on their own companies plans saves both your employer and you premium dollars

The only time it usually doesn't is with a small group of all or near all female employees.
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B Calm Donating Member (1000+ posts) Send PM | Profile | Ignore Fri Dec-05-08 11:07 PM
Response to Reply #21
23. I don't get where it is saving me anything. I now have to pay for two
seperate plans, one for me and one for her.
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nini Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Dec-06-08 11:51 AM
Response to Reply #23
27. some companies pay for the employee in full
and only charge for family members -if that is the case you save. If not, it depends on who had the better plan.

I'm lucky in the company I work for absorbed the increase in costs this year. I'm pretty sure we're not getting a raise or bonus because of the economy and that's why they did it, but they did.

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Blue Diadem Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Dec-06-08 08:56 AM
Response to Original message
26. That's been going on for a while, with variations.
From my kids and their spouses plans:

One has a maximum premium limit. If the spouse's premium cost through their own employer exceeds the limit, their husband/wife may include them on their policy.

Another has an income limit. Any spouse making over a certain income figure must take the insurance provided by their own employer and if it's not employer provided has to obtain their own insurance.

Another says any spouse with insurance available through their employer can't be included in their husband's/wife's policy.

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