Midas1

Employee Healthcare Deductibles Are Becoming Punitive

I pay $405 per month for a $3,000 deductible/$3,000 co-insurance plan, $6,000 maximum out-of-pocket. My plan pays for MD visits with my $25 copay, but will not pay for diagnostics until the $3,000 is met. I do not agree with bailing out GM when Fox reported the money is going to fund retiree benefits. Excuse me, but when are GM employees entitled to healthcare at taxpayer expense. GM's employees whined when they had to pay a $10 copay. In reality, the rest of us have been paying that and much higher for years. I believe in exercise, supplements, good diet, and putting effort into my healthcare. I do not want to pay for the epidemic of obesity which involves poor choices leading to diabetes, renal failure, etc. Diseases and accidents happen. Insurance was meant for those situations. If I break my leg, my insurance will kick in and I will negotiate payments to the hospital to meet my deductible and co-insurance. I agree with you, iThinkBig, that insurance is not an entitlement. I only wish that hard work and integrity were rewarded at other businesses. If you're a rude, crude, overbearing, obnoxious, lying, cheating, scumbag, we can't seem to do enough for you. If you work hard, diligently with integrity, your pockets are the ones that keep getting picked to pay for others' misuse of the healthcare and other systems.


On Nov 17 11:07 AM iThinkBig wrote:

> So why is it better as an employer to have a vast increase in taxes
> to support universal healthcare? As a business performer, I prefer
> to pay $1,500 a month for the best family coverage I can buy and
> work harder and smarter to be able to afford it. And our family spends
> time and funds on preventative medicine. Let's face it, one way or
> the other medicaire is non-sustainable so the quality of care is
> going down whether employees pay more or the employer pays more.
> Frankly, I provide full health insurance to all employees. They perform
> and create sustainable revenue or they wander the market learning
> the hard way that they are not "OWED" top pay and health benefits
> with lackluster performance.