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Old 10-14-2013, 09:05 AM   #1
2k2
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Default How much did your employer offered insurance increase this year?

My employer in the past has had pretty great insurance.

Low co-pays, No in-network deductible, pretty reasonable across the board.

This year, a summary of increases:

Family plan premiums increase 14.5% over last year.

Deductible increase ∞, previously there was no deductible in-network. Now, I am pretty much guaranteed to pay an additional $300/year.

Out of pocket maximums increase 20-25% across the board.

ER copay increases 100%($100->$200). Just another way of saying, 'don't go to the ER unless you are dying'.

Office visit copay increases 25% ($20->$25).

Prescriptions now have deductibles, another ∞ increase. Family deductible is $150, pretty much guaranteed I will hit that yearly.

Minimum cost per prescription increases $5 per prescription, aka 25%.

Mail order prescription costs also increase 25%.

All in all, I am looking at a minimum increase of paying $1200 more in CY14 than CY13.

With office visits, prescriptions, possible ER visits. I reasonably should expect to pay closer to $2000 more.

I think this fits well here....

Thanks Obama.
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Old 10-14-2013, 09:12 AM   #2
Rattles
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Quote:
Originally Posted by 2k2 View Post
My employer in the past has had pretty great insurance.

Low co-pays, No in-network deductible, pretty reasonable across the board.

This year, a summary of increases:

Family plan premiums increase 14.5% over last year.

Deductible increase ∞, previously there was no deductible in-network. Now, I am pretty much guaranteed to pay an additional $300/year.

Out of pocket maximums increase 20-25% across the board.

ER copay increases 100%($100->$200). Just another way of saying, 'don't go to the ER unless you are dying'.

Office visit copay increases 25% ($20->$25).

Prescriptions now have deductibles, another ∞ increase. Family deductible is $150, pretty much guaranteed I will hit that yearly.

Minimum cost per prescription increases $5 per prescription, aka 25%.

Mail order prescription costs also increase 25%.

All in all, I am looking at a minimum increase of paying $1200 more in CY14 than CY13.

With office visits, prescriptions, possible ER visits. I reasonably should expect to pay closer to $2000 more.

I think this fits well here....

Thanks Obama.
mine went up by about $1500 per year
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Old 10-14-2013, 09:15 AM   #3
ParkedWRX
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I pay around $60 a month for my HMO/with a dental ppo, the deductible for major hospitalization is crazy though. Our office visits copay also went up from $15 to $30 and an er or urgent care visit will run you $75
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Old 10-14-2013, 09:23 AM   #4
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$1200 a year more in monthly fees, but no plan changes.
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Old 10-14-2013, 09:31 AM   #5
tbert
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Our initial renewal came at 11.75% with no change in plan design. We are shopping the market and reevaluating benefit options. It makes sense to get a high deductible plan with low premiums, then use and HRA to subsidize the said deductible for employees. It would actually cost us less as a company, and would make insurance (believe it or not) more affordable for the employees.

For the record, last year our renewal was 11%, as well.

Last edited by tbert; 10-14-2013 at 09:43 AM. Reason: clarification
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Old 10-14-2013, 09:32 AM   #6
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Welcome to socialized medicine in a capitalist ecosystem. The change Obama promised us is finally here.
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Old 10-14-2013, 09:32 AM   #7
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Quote:
Originally Posted by tbert View Post
Our initial renewal came at 11.75% with no change. We are shopping the market and reevaluating benefit options. It makes sense to get a high deductible plan with low premiums, then use and HRA to subsidize the said deductible for employees. It would actually cost us less as a company, and would make insurance (believe it or not) more affordable for the employees.
Our company offers a high deductible plan. I am going to look at it because right now, before anything is covered, I am spending $7000 out of pocket between deductibles and premiums.
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Old 10-14-2013, 09:42 AM   #8
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Looks like the annual cost for my Aetna health coverage went from $802 to $1400/year. Coverage and copays haven't changed.

My wife's benefits are free from her employer.
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Old 10-14-2013, 09:48 AM   #9
fliz
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20% increase.

240/mo for a 3K deductible.
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Old 10-14-2013, 09:50 AM   #10
Jack
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Zero increase. Private company without political agendas.
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Old 10-14-2013, 09:51 AM   #11
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Everything doubled out of pocket for the worse and i pay almost twice as much. $700/yr to $1150/yr.

Their excuse: They didn't collect enough premium from us since we are too expensive to insure. So they double the rates to make a profit.

Some teachers need to retire and stop filing so many claims.
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Old 10-14-2013, 09:53 AM   #12
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I think there may be a thread for this already...but then again I can't find it

Mine stayed exactly the same, very good plan. I work for a giant company with an unknown-to-me political agenda.
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Old 10-14-2013, 09:53 AM   #13
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Quote:
Originally Posted by timskyline86 View Post
Everything doubled out of pocket for the worse and i pay almost twice as much. $700/yr to $1150/yr.
You must be a math teacher.
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Old 10-14-2013, 09:58 AM   #14
The Motel Fella
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You must be a math teacher.
Nah...but I want to be the long in your division.
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Old 10-14-2013, 09:59 AM   #15
2k2
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Since we mentioned it. I work for a very large professional services firm with 75,000+ professionals. It is private but given the work done, there ARE political agendas.
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Old 10-14-2013, 10:01 AM   #16
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Deductibles went from $25-50 to $40-100 depending on type of care.

Out of pocket maximum increased from $1,250 per year to $16,000 per year.

FSA is now gone, replaced by another plan that allows me to put as much as I want into a healthcare spending account pre-tax...which is good, if I have to spend $16,000 before I get anything out of my insurance.

Dental coverage was essentially cut in half, only one cleaning/preventative visit per year allowed instead of two.

Vision care is now gone. Used to have coverage for annual checkups.
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Old 10-14-2013, 10:02 AM   #17
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Last year was a $7000 increase, this year it is $7/mo increase. So I am torn between being relieved, and still pissed from last year.
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Old 10-14-2013, 10:02 AM   #18
The Motel Fella
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Also, I expect mine to go up again.
Ours has creeped every year for the past 5, be it increased deductibles, copays, or premiums. We won't know until December.
We're a small company (perhaps 1800 employees at the height of the season). No political agenda to my knowledge or in my experience.

I have asked multiple times to see if they could shop to another purveyor (they've been with Aetna for atleast 12 years, likely longer) but that hasn't been acted upon.
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Old 10-14-2013, 10:05 AM   #19
Strider
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Quote:
Originally Posted by MFR Sweep View Post
Last year was a $7000 increase, this year it is $7/mo increase. So I am torn between being relieved, and still pissed from last year.
How many people are you covering? Jesus.
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Old 10-14-2013, 10:08 AM   #20
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Also, my plan has no deductibles. Just $1400 a year out of the paycheck and then a pretty basic copay system. Frankly, I'm not comfortable with the HRA/HSA high deductible plans, I feel like I'm basically gambling with my health. Saying something is covered 80% after the deductible is paid is a massive chunk of change if something actually happens.

I'm also signing up for group legal coverage, which is only $230/year. Kinda handy for will prep and other unforseen legal issues.
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Old 10-14-2013, 10:09 AM   #21
cnw
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Ours went down by $64/mo for the same coverage.

We use my wife's plans (she's a nurse). My company's benes suck horse balls.
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Old 10-14-2013, 10:11 AM   #22
TDQuiksilver
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Went up about $50/month for two people.
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Old 10-14-2013, 10:13 AM   #23
The Motel Fella
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Quote:
Originally Posted by Strider View Post
How many people are you covering? Jesus.
They likely removed the employer contribution to the spouse or spouse + kids.

Our plan is $280/mo all in (dental, vision, health) for a family, and the coverage is horrible. The company pays $1100 of the premium, the employee the remainder. The difference between employee alone and employee + whomever (premium increase) is ~600.
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Old 10-14-2013, 10:30 AM   #24
Garandman
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Our health care small business policy has increased an average of 15% a year for the last four years.
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Old 10-14-2013, 10:33 AM   #25
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