|
to The Pig
Re: [Rant] United Healthcaresaid by The Pig:Cigna is the best! I have it with NO deductibles! I only pay $25 for doctor visits! The company doesn't matter, the plan does. I have United, I pay 0. That is 0 for doctor visits, 0 for drugs... and my premium share is 0. Actually the plan itself has a huge deductible (some 6000/family) which is covered by an HSA funded by the employer. But at the end of the day I still don't pay a single penny out of my pocket. |
|
AVDRespice, Adspice, Prospice Premium Member join:2003-02-06 Onion, NJ |
AVD to Hall
Premium Member
2012-Jun-29 1:54 pm
to Hall
said by Hall:Speaking of that (cash), ask your pharmacy how much the non-insurance rate is for it. It MIGHT be cheaper !!! +1 |
|
Zoder join:2002-04-16 Miami, FL |
Zoder
Member
2012-Jun-29 5:58 pm
It's about $50 more expensive without insurance. The brand name drug is several hundred more expensive. |
|
DanHo Premium Member join:2002-05-20 Seattle, WA |
to cowboyro
said by cowboyro:The company doesn't matter, the plan does.
It most certainly does. Large employers have a greater ability to customize their plans than smaller companies. I guarantee that if the OP works for a larger company they selected the coverage limits/benefits all the way down to Rx (I work in the industry). |
|
tower29 Premium Member join:2002-02-12 Loveland, CO |
to Zoder
I would be grateful that you company still provides health insurance. Our company dropped it a few years ago. Bummer for sure. |
|
Hall MVM join:2000-04-28 Germantown, OH
1 recommendation |
to DanHo
said by DanHo:It most certainly does. Large employers have a greater ability to customize their plans than smaller companies. I guarantee that if the OP works for a larger company they selected the coverage limits/benefits all the way down to Rx (I work in the industry). And to expand that further, the employer may be the insurance provider as well (or at least that's how I understood it with my previous employer). Aetna, Blue Cross/Blue Shield, UHC, etc was simply the "administrator". |
|
DanHo Premium Member join:2002-05-20 Seattle, WA |
DanHo
Premium Member
2012-Jun-30 12:09 pm
Yes, it's called being "self-insured". Lots of large companies do this. The employer is on the hook for the risk, to a certain extent (re-insurance), but are able to use the rates for services that are negotiated by the insurance/administrating company. Usually the Aetnas/Cignas, etc charge a fee for administration, usually 2-5%. |
|
Omega Premium Member join:2002-07-30 Golden, CO |
to The Pig
said by The Pig:Cigna is the best! I have it with NO deductibles! I only pay $25 for doctor visits! Tri-care is better. $0 for everything. |
|