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Old 06-06-2013, 12:53 AM   Topic Starter
dmahurin dmahurin is offline
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Had a meeting today at work on insurance...

It was our annual insurance meeting to discuss changes to the policy, allow for enrollment changes and all that good stuff. Due to the ACA, the number of policy options has dropped to two, policy prices have increased around 12%, and W-2's in 2014 will be changing to include an insurance premium cost section as "proof" of insurance to avoid the tax penalty. Our HR rep made the meetings mandatory for every employee, even people who are covered under spouses or other plans to drill home the point that if you're not covered by January 1st 2014 you will recieve the tax penalty under the new law. Thanks a lot Obama.

Last edited by dmahurin; 06-06-2013 at 10:02 AM..
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Old 06-06-2013, 12:56 AM   #2
dmahurin dmahurin is offline
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The average policy increase at my work over the last 5 years has been 3.2%. This is a huge jump in cost.
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Old 06-06-2013, 12:59 AM   #3
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Originally Posted by dmahurin View Post
The average policy increase at my work over the last 5 years has been 3.2%. This is a huge jump in cost.
No, this is a very small increase compared to next year's un****ingbelievably massive increase.
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Old 06-06-2013, 01:04 AM   #4
dmahurin dmahurin is offline
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No, this is a very small increase compared to next year's un****ingbelievably massive increase.
True, that will be a lot worse. I just couldn't believe all the bullshit I heard. The insurance representative was trying to sugar coat everything saying we had a great deal and it was better than most companies and I could see our HR lady rolling her eyes ands she would jump in and explain it wasn't her that worked the policy that way, it was an ACA mandate. We've always had a pretty good benefits package but it's just dwindling away and getting more expensive.
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I think one reason heteros have become more tolerant of gays is their own acceptance of butt-sex as an alternative form. I never heard of the concept until about 5-10 years ago and it's mentioned continually in pop culture. Honestly I have no clue what the appeal is but apparently it exists. Usually as a solution to sexual boredom.
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Old 06-06-2013, 03:00 AM   #5
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I cant wait for this piece of shit law to hit every home in America but the politicians that drew it up,& then exempted themselves from it.
DC 2014 is going to be fun
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Old 06-06-2013, 04:51 AM   #6
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I don't think employers should be involved in the healthcare insurance game to begin with. They just use it as another negotiating tool to not pay you more money. Last thing any employee needs is an employer hanging another thing over their head. Not to mention the time, money and effort a company has to devote to it. We should just move on to a healthcare system like Japan.
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Old 06-06-2013, 07:05 AM   #7
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Quote:
Originally Posted by RubberSponge View Post
I don't think employers should be involved in the healthcare insurance game to begin with. They just use it as another negotiating tool to not pay you more money. Last thing any employee needs is an employer hanging another thing over their head. Not to mention the time, money and effort a company has to devote to it. We should just move on to a healthcare system like Japan.
As an employer, try attracting or keeping good employees when you don't offer health insurance. You're simply naive if you think a simple increase in salary equal to the companies cost of insurance will be sufficient to keep you in the market for good employees. Under your business model I should also drop my 401k contributions and profit sharing too.

I think I will start using your business model tomorrow right after I get the reinforced doors installed to keep back the stampede of stellar employees that will no doubt be trying to bust down my doors.
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Old 06-06-2013, 08:49 AM   #8
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Quote:
Originally Posted by Velvet_Jones View Post
As an employer, try attracting or keeping good employees when you don't offer health insurance. You're simply naive if you think a simple increase in salary equal to the companies cost of insurance will be sufficient to keep you in the market for good employees. Under your business model I should also drop my 401k contributions and profit sharing too.

I think I will start using your business model tomorrow right after I get the reinforced doors installed to keep back the stampede of stellar employees that will no doubt be trying to bust down my doors.
Japan is a great model. They must not be able to retain great employees though.
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Old 06-06-2013, 08:53 AM   #9
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Quote:
Originally Posted by RubberSponge View Post
Japan is a great model. They must not be able to retain great employees though.
Flights are available mate. I heard openings are available for radioactive materials cleanup.
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Old 06-06-2013, 09:55 AM   #10
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Quote:
Originally Posted by RubberSponge View Post
Japan is a great model. They must not be able to retain great employees though.
I'm convinced you know nothing about Japan's economy.
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Old 06-06-2013, 07:14 AM   #11
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Quote:
Originally Posted by RubberSponge View Post
I don't think employers should be involved in the healthcare insurance game to begin with. They just use it as another negotiating tool to not pay you more money. Last thing any employee needs is an employer hanging another thing over their head. Not to mention the time, money and effort a company has to devote to it. We should just move on to a healthcare system like Japan.
dumbest thing I have read here so far.

Providing insurance is one of the items to attract and retain employees.
Yes, insurance is part of the total compensation along with 401k, retirement, dental, vision, death benefits, educational assistance etc. and collectively are around 40-50% overhead to wages/salaries.
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Old 06-06-2013, 08:50 AM   #12
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Originally Posted by King_Chief_Fan View Post
dumbest thing I have read here so far.

Providing insurance is one of the items to attract and retain employees.
Yes, insurance is part of the total compensation along with 401k, retirement, dental, vision, death benefits, educational assistance etc. and collectively are around 40-50% overhead to wages/salaries.
It's only used in that manner because of the type of healthcare system we have in this country.
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Old 06-06-2013, 09:13 AM   #13
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Quote:
Originally Posted by RubberSponge View Post
It's only used in that manner because of the type of healthcare system we have in this country.
not sure that matters...what does Japan do that is so different?
I doubt that they are turning over the "saved" dollars from paying in premiums to the employees
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Old 06-06-2013, 07:27 AM   #14
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Quote:
Originally Posted by RubberSponge View Post
I don't think employers should be involved in the healthcare insurance game to begin with. They just use it as another negotiating tool to not pay you more money. Last thing any employee needs is an employer hanging another thing over their head. Not to mention the time, money and effort a company has to devote to it. We should just move on to a healthcare system like Japan.
Will you have a newsletter we can subscribe to. This interests me very much.
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Old 06-06-2013, 08:45 AM   #15
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Quote:
Originally Posted by RubberSponge View Post
I don't think employers should be involved in the healthcare insurance game to begin with. They just use it as another negotiating tool to not pay you more money. Last thing any employee needs is an employer hanging another thing over their head. Not to mention the time, money and effort a company has to devote to it. We should just move on to a healthcare system like Japan.
You DO understand that you actually get lower rates by using your company, which can get volume discounts from the insurer, right? It would cost you significantly more if they just paid you in cash what they pay for the insurance and left you to fend for yourself.

Actually, you SHOULD have that option. Mine costs me 24 bucks a week. I could take that 24 bucks and see what kind of insurance I can get elsewhere.
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