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2009 Health Insurance Rates: How Much Will Your Rate Change?

FEHB Rates

G&A Specialist
USDA, Forest Service
Tue Oct 7, 2008 9:16 AM

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I'm confused where these rates came from. I currently pay $314 a month for Blue Cross Standard family.

Re: FEHB Rates

Editor
FedSmith.com
Tue Oct 7, 2008 9:30 AM
There was a typographical error for one of the figures in the text that we have corrected. You can also download the entire chart for these rates from within the article that shows the amount of the government's contribution and the employee cost by month or bi-weekly pay period.

SAMBA Changes

management analyst
HHS
Tue Oct 7, 2008 9:24 AM

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Please tell your readers that SAMBA is opening itself this year to the entire Federal Family rather than restricting itself to certain Federal groups. One should definitely investigate whether their coverage is an adequate substitute for what you might already have.

Re: SAMBA Changes

Former HR Specialist
Federal Agency
Tue Oct 7, 2008 10:13 AM
Isn't SAMBA one of the few/only coverages that include kids over 22 years old?

Health Insurance Premiums

Federal Employee
DOJ
Tue Oct 7, 2008 9:30 AM

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When I hired on in 1986 my health insurance premium was something like $15.02 per pay period. My premium after this increase will be in excess of $168.00 per pay period. The sad thing is that while the premiums have increased more than ten times over, the quality of the plan and/or coverage simple has not increased to warrant such an increase.

Re: Health Insurance Premiums

Diversity Manager
DOL
Tue Oct 7, 2008 11:51 AM
Your pay has risen more than enough to cover the cost of the coverage. Don't forget the "TAXPAYER" pays the remaining 80%. So if anyone should be complaining its JohnQ who may not even have coverage but is paying for yours!!!!

Re: Health Insurance Premiums

Retired Supervisor
DoD
Tue Oct 7, 2008 6:54 PM
Diversity Manager

What YOU need to remember is that people accepted the job based upon promised benefits and salary. To say now that it is okay to take advantage of the employees because they have benefits is false logic.

I cannot lay my hands on the exact figure, but I'm quite certain that your 80% / 20% split figure is also in error.

Re: Health Insurance Premiums

Diversity Manager
DOL
Tue Oct 7, 2008 10:07 PM
Retired sup, ok lets go with your rational. You hired on at a specific salary and benefits . Are you making more today than you did then?? Has your health benefit coverage increased or decreased, has medical science evolved since you were hired and now has cures for diseases that were once terminal. What of today's coverage with regards to tests, and procedures are you willing to revert to??
You have a lot of people paying for your health care that don't have any, so quit belly aching and be thankful what you have

Re: Health Insurance Premiums

Retired Supervisor
DoD
Wed Oct 8, 2008 7:35 PM
Diversity Manager, your logic is as flawed as your 20% / 80% statistic.

I understand that there are many in your line of work who have socialist leanings, but that does not change the FACTS. When today's civil servants were hired, they made a de facto agreement with the government. To now say that it is okay for one party or the other to change the rules, regardless of the rationalization is just plain wrong.

However, take heart. Perhaps after this next election we will have a socialist president who pals around with terrorists, and then we can all line up at the government run health care clinic.

Re: Health Insurance Premiums

Diversity Manager
DOL
Wed Oct 8, 2008 7:51 PM
That's the 2nd time that you said that you had a de facto agreement with the gov. How has it changed if anything you are getting more and the taxpayer is getting less.
Your right the more correct % is 72/28 taxpayer still paying the most.
So tell me what's been changed or do you agree the taxpayer has been taken advantage of??

Re: Health Insurance Premiums

Retired Supervisor
DoD
Fri Oct 10, 2008 12:01 AM
Diversity Manager,

You have gone around in such an illogical circle it seems you have lost track of where you started. You began by writing “Your pay has risen more than enough to cover the cost of the coverage. Don't forget the "TAXPAYER" pays the remaining 80%. So if anyone should be complaining its JohnQ who may not even have coverage but is paying for yours!!!!”

That is totally illogical and only appeals to a socialist mindset. The fact someone’s pay has numerically increased in inflationary dollars does not “cover” the increase.

You acknowledged your 20% / 80% figure was wrong when you wrote “Your [sic] right the more correct [sic] % is 72/28 taxpayer still paying the most.” If you wish to get some insight on the subject, you might look at this article:

http://www.governmentexecutive.com/story_page.cfm?articleid=37657&sid=46

Re: Health Insurance Premiums

Federal Employee
DOJ
Sun Oct 12, 2008 1:11 PM
Diversity Manager,

While my health insurance premiums have increased ten times over from what they were in 1986, my salary has increased by less that four multiples since 1986. The point I was making is that the QUALITY of coverage has not increased enough to warrant the premiums.

Re: Health Insurance Premiums

Analyst
DOD
Tue Oct 21, 2008 11:30 AM
You know what "Diversity Manager" the last time I checked Federal employees also pay taxes, we get no special breaks, so it would appear that the Feds ARE bearing all the costs not the meager 20% that actually comes off the paycheck.

Re: Health Insurance Premiums

eng
nasa
Thu Oct 23, 2008 11:40 AM
Bin Laden in the white house and the ones that do have health insurance pays for the ones that don't have it. Rates go up up and,up. Have to keep inflating the fictitious prices for those that don't have it. Just another vicious cycle.

FEDERAL PERSONNEL KNOW HOW TO COUNT

Training
USMC
Tue Oct 7, 2008 9:39 AM

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FEHBP will increase by 8% to 10% this year.

Don't count on a increase of salary - yet!
This may not happen due to other issues in the government (new president, new congress, etc).
New President's and a New Congress's always means slimmer salary increases and more criticism of federal employees.

COLA increases will probably be around 2.9 to 3.9 at the highest. This is also due to a new president and new congress.

Can the federal employees count - YES they can -
it is called "NOT BREAKING EVEN"!

Re: FEDERAL PERSONNEL KNOW HOW TO COUNT

Diversity Manager
DOL
Tue Oct 7, 2008 11:52 AM
What COLA are you talking about Feds don't get a COLA unless you live in Alaska or HI

Health Benefits

IT Specialist
Census Bureau
Tue Oct 7, 2008 9:40 AM

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Raise the dependent coverage age limit from 22 to 24. Throw in some extras and make us feel like we are getting a bargain along with the price increase.

Re: Health Benefits

Diversity Manager
DOL
Tue Oct 7, 2008 11:53 AM
Great idea but Feds should bear all the costs not the meager 20% you currently pay

FEHB

Disability Examiner
SSA
Tue Oct 7, 2008 9:40 AM

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I noticed the typo, as well- which appears to remain uncorrected. The Blue Cross Basic Family total monthly rate of $216.48 (employer's share) was repeated for the Standard Family monthly rate. The correct figure is $356.59.

Re: FEHB

Editor
FedSmith.com
Tue Oct 7, 2008 9:49 AM
It has been corrected. you will probably have to hit the "refresh" button on your browser if you have previously accessed the article.

Highest Dollar Increase

Supervisor
DOD
Tue Oct 7, 2008 9:46 AM

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According to the numbers quoted in the article, it should read Blue Cross Blue Shield Standard Family Plan has the highest dollar increase not the Mail Handlers Standard Family Plan.

Re: Highest Dollar Increase

Supervisor
DHS
Tue Oct 7, 2008 6:58 PM
Why are folks paying the outrageous premiums to stay with BCBS? 10 minutes and a little kindergarten math is all it should take to figure out that the HDHPs with HSA are the way to go. These plans are not just for healthy folks. I have a wife and 3 small kids and I've saved thousands of $ by dumping BCBS and going with Aetna's HDHP with HSA. Of all the folks in BCBS I wonder how many hit their deductible each year. Why would anyone pay $2600 more in premiums to save $1500 in deductible? The answer, because they're too lazy to shop for a better/cheaper plan.
Total Comments: 80
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