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View Diary: John Mackey wants sick workers handling your fruits and vegetables (22 comments)

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  •  She told me it was $100 per bi weekly pay. (2+ / 0-)
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    indefinitelee, miss SPED

    Full time employees are offered a better plan, I believe, and I also think she can get a better one when she's worked 800 hours.  The plan that was available to her was the one available after 400 hours.  High deductibles are great it if you can afford them.  The problem is that if one has no money other than that needed to cover regular monthly expenses, a high deductible plan is like having no insurance at all since you can't pay the doctor's bill out of pocket.

    “It is the job of the artist to think outside the boundaries of permissible thought and dare say things that no one else will say."—Howard Zinn

    by musiclady on Sun Jan 20, 2013 at 08:00:52 PM PST

    [ Parent ]

    •  true (0+ / 0-)

      in my case the cost of the lower deductible was the same as the change in deductible. i took the risk that I wouldn't use up that amount rather than pay it every month.

      Is full time considered 20+ hours per week?
      It would be great if she could show you some of their actual benefits documents since there seems to be a lot of debate and assumptions in diaries on here about what the benefits actually are.

      If you aren't outraged, you are an idiot

      by indefinitelee on Sun Jan 20, 2013 at 10:05:56 PM PST

      [ Parent ]

      •  She lives in another city. (1+ / 0-)
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        indefinitelee

        She read a lot of the stuff to me over the phone.  20 hours is not considered to be full time.  I think there are additional benefits available to full time employees.  Those working 20 hours or more a week are eligible for one level of benefits when they have worked 400 hours.  They reach another level when they have worked 800 hours.  Obviously full time workers hit those totals much sooner.  There are a lot of options.  I believe she took out a dental plan and there are several health savings accounts.  I believe she is contributing to one of those.  She doesn't make enough money to save and she lives paycheck to paycheck, often having to pay some bills late.  A $1200 deductible didn't make sense to her because she simply couldn't pay the doctor up front.  She also doesn't use that much in a year, typically.  All of the discussions I've had with her really emphasize how fortunate I am to have a plan that has no deductible for in network services with a $15 copay ($20 for specialists--as of Jan. 1.  It was previously $10 for any docs).  My deductible for out of network services is $300.  I don't know how young people who are struggling manage with high deductibles.  I've talked to people who have $5k or $10K deductibles.  It's like not having insurance at all for most people.  Unless someone has a catastrophic illness or accident, it does little good.

        “It is the job of the artist to think outside the boundaries of permissible thought and dare say things that no one else will say."—Howard Zinn

        by musiclady on Mon Jan 21, 2013 at 11:12:33 AM PST

        [ Parent ]

        •  thanks (0+ / 0-)

          for the info. Obviously everyone;s situation is different.

          if she uses less than the deductible amount then it might be cheaper overall to get the high deductible plan, though obviously you run into the paying all at once problem if you ever do get really sick.

          If you aren't outraged, you are an idiot

          by indefinitelee on Mon Jan 21, 2013 at 12:01:17 PM PST

          [ Parent ]

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