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cowboyro
Premium
join:2000-10-11
Shelton, CT
reply to The Pig

Re: [Rant] United Healthcare

said 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.


AVD
Respice, Adspice, Prospice
Premium
join:2003-02-06
Onion, NJ
kudos:1
reply 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
--
--Standard disclaimers apply.--
The preceding posting is null and void in Arizona and any other jurisdiction where prohibited by law.

Zoder

join:2002-04-16
Miami, FL
It's about $50 more expensive without insurance. The brand name drug is several hundred more expensive.


DanHo
Premium
join:2002-05-20
Seattle, WA
reply 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
join:2002-02-12
Loveland, CO
reply 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
Premium,MVM
join:2000-04-28
Germantown, OH
kudos:2

1 recommendation

reply 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
join:2002-05-20
Seattle, WA
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
Displaced Ohioan
Premium
join:2002-07-30
Denver, CO
reply 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.
--
What smells like blue?