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Does your employer provide you with health insurance?

By w¡n9Nµ7 §£@¥€r in General Polls

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Does your employer provide you with health insurance?  

44 members have voted

  1. 1. Does your employer provide you with health insurance?

    • Yes
      39
    • No
      3
    • I am not employed (student, disabled, independently wealthy, stay at home parent, etc.)
      2

  2. 2. If your employer provides you with health insurance, which of the following do you prefer the most?

    • Your employer stops all contributions to your insurance premiums and gives one-third of the money in your paycheck instead. You get to keep the group plan with the option of finding a plan that better suits your needs elsewhere.
      2
    • Your employer stops all contributions to your insurance premiums and gives you one-third of the money in your paycheck instead. The group plan no longer exists and you must find a plan that better suits your needs elsewhere.
      2
    • Your employer stops all contributions to your insurance premiums and gives you one-third of the money in your paycheck instead. The federal government gives you $5,000 to cover you and your family. Your employers group plan no longer exists and you must find a plan that better suits your needs elsewhere.
      5
    • I prefer the status quo to the above options.
      30
    • I do not have employer-provided health insurance.
      5

19 posts in this topic

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Jenn! Grand Master

Jenn!   918

Posted
Filed: Citizen (apr) Country: Morocco
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Posted

I want coverage, not money. And yes, I realize that I can buy coverage with money, but it's really not the same thing. Especially when you look at the big picture. What will happen to the people who misspend their insurance money?

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Marilyn. Grand Master

Marilyn.   340

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Filed: Other Country: Canada
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Posted

right now we don't have health insurance with hubby's new job... we have to wait 90 days before we can get it..

when we do get it it is through Kaiser.. I have no idea how it works etc....

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Marilyn. Grand Master

Marilyn.   340

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Filed: Other Country: Canada
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when we do get it it is through Kaiser.. I have no idea how it works etc....

How it works...

You get sick and they ream you like a pornstar.

oh we have already been reamed by health insurance :lol: what I meant was I am not sure what the premiums and stuff will be yet...

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Trumplestiltskin Grand Master

Trumplestiltskin   5,791

Posted
Filed: Other Country: United Kingdom
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Posted
when we do get it it is through Kaiser.. I have no idea how it works etc....

How it works...

You get sick and they ream you like a pornstar.

oh we have already been reamed by health insurance :lol: what I meant was I am not sure what the premiums and stuff will be yet...

Its confusing as hell - I had a filling done about a month ago. About 3 weeks ago I get a letter in the mail saying that my insurance paid out $25 of the roughly $125 submitted charges.

So I'm thinking that if $125 is what was billed I could expect a bill from the dentist for around $100. I haven't received anything so far.... What is confusing to me is that I called the dentist last week and they told me my account had been paid and there was nothing owing...

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Marilyn. Grand Master

Marilyn.   340

Posted
Filed: Other Country: Canada
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Posted
when we do get it it is through Kaiser.. I have no idea how it works etc....

How it works...

You get sick and they ream you like a pornstar.

oh we have already been reamed by health insurance :lol: what I meant was I am not sure what the premiums and stuff will be yet...

Its confusing as hell - I had a filling done about a month ago. About 3 weeks ago I get a letter in the mail saying that my insurance paid out $25 of the roughly $125 submitted charges.

So I'm thinking that if $125 is what was billed I could expect a bill from the dentist for around $100. I haven't received anything so far.... What is confusing to me is that I called the dentist last week and they told me my account had been paid and there was nothing owing...

yeah that does get confusing... I have seen lots of charges when I check our account online saying that our health insurance didn't pay anything etc... but I have never got bills from the doctors etc... :unsure:

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Jenn! Grand Master

Jenn!   918

Posted
Filed: Citizen (apr) Country: Morocco
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Posted
when we do get it it is through Kaiser.. I have no idea how it works etc....

How it works...

You get sick and they ream you like a pornstar.

oh we have already been reamed by health insurance :lol: what I meant was I am not sure what the premiums and stuff will be yet...

Its confusing as hell - I had a filling done about a month ago. About 3 weeks ago I get a letter in the mail saying that my insurance paid out $25 of the roughly $125 submitted charges.

So I'm thinking that if $125 is what was billed I could expect a bill from the dentist for around $100. I haven't received anything so far.... What is confusing to me is that I called the dentist last week and they told me my account had been paid and there was nothing owing...

Usually healthplans have special arrangments for reduced fees with their participating doctors. When I get a claim report it will show the regular fee as well as the reduced fee. The reduced fee is equal to what was paid out by my insurer, so I owe $0. There is always a significant discount to the insurer compared to what it would cost you out-of-pocket with no insurance.

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Saddle Bronc Grand Master

Saddle Bronc   124

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Filed: Citizen (apr) Timeline
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Yes, #3

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Marilyn. Grand Master

Marilyn.   340

Posted
Filed: Other Country: Canada
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Posted (edited)

o yeah that reminds me.. a couple of my doctors tried to charge us the difference between the network discount and what our health insurance paid them :wacko: i had to call a bunch of times to get those messes cleared up :wacko:

Edited by *Marilyn*
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Jenn! Grand Master

Jenn!   918

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Filed: Citizen (apr) Country: Morocco
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Posted

I thought there would be more response to this poll!

I was just thinking more about the first option more. I would vote for that except for the fact that it would probably drive group premiums up (and my contribution by default) because the better risks would leave and drive up the group rate.

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tom&tata Proficient

tom&tata   2

Posted
Filed: Country: Indonesia
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Posted

Have insurance from both employer. Husband's is HMO & mine is PPO with more choice of healthcare provider. I paid our share for insurance through my employer, his HMO does not cost anything.

I just want us covered.

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