G&A Specialist USDA, Forest Service Tue Oct 7, 2008 9:16 AM
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
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
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:
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
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
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
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
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.
Employee Health Premiums not Paid
Admin Asst USAF Department of Defense Tue Oct 7, 2008 10:48 AM
I never see anyone address the fact that federal employees who do not use their "earned health benefits" get no compensation when not signing up for the benefit. All around us are peers who are compensated more because they sign up for health "benefits" whereas other employees do not "cost the government" anything for one of our prime benefits. When working in the private sector, many companies compensate their employees with paid health premiums (either full or partial) or an equal portion included in their paycheck because it is part of their wage package. Why do federal employees only get part of their earnings package? I understand that many federal employees are retired military and already receive greatly reduced medical care, free prescriptions, etc. It would be fair to adjust their Tricare premiums to give them what benefits they are earning when becoming federal employees. Why should so many of us receive less than what we are “earning” when working for Department of Defense?
FEHB
Retired USPS Tue Oct 7, 2008 10:48 AM
The Editor is correct in opening a Pandora's Box. Once started, it could proceed right down or up the chain of risk. These can include; occupations, age, gender, number of claims and include as mentioned, lifestyles.
Insurance Premiums
Resource Analyst USAF Tue Oct 7, 2008 11:10 AM
What role do Unions play in negoiating these rates? They are good at arguing about a breakroom or defending Billy Bob for not working, but where are they on the big issues?
Re: Insurance Premiums
Agent IRS Wed Oct 8, 2008 8:33 AM
Only OPM can negotiate insurance premuims so get off your high horse about unions and learn labor law. The unions pushed for a higher pay raise for you, without them you would get what George W wanted to give
FEHB Rate Increase
Grants & Agreements Specialist USDA Forest Service Tue Oct 7, 2008 11:15 AM
Some readers also ask why the cost of health insurance is the same for smokers and non-smokers based on the assumption that non-smokers are going to have more claims and more health problems.
In regard to the above--have insurance companies considered premium discounts for healthy lifestyles like car insurance companies do for safe drivers?
Re: FEHB Rate Increase
Diversity Manager DOL Tue Oct 7, 2008 3:26 PM
Almost all private health plans charge more for smokers to enroll and that's across the board single or family. The smokers pay a 20% premium for the coverage, makes sense for the feds to do likewise
Congressional Math
Civil Engineer Forest Service Tue Oct 7, 2008 12:21 PM
OPM must be using congressional math to figure the "average" rate increase. If BC/BS has a vastly larger enrollment, then how does their 9 to 13 % increase get averaged out to 8% for everyone. I do not see enough decreases to offset this increase, except if you calculate like our Congress does.
BCBS PLANS
ATSS FAA Tue Oct 7, 2008 12:35 PM
Why doesn't OPM offer a plan that just covers husband and wife. I know for a fact that BCBS offers one, but OPM chooses not to offer it to it's employees.
Third Plan aShould be Added
Adminstrative Assistant I.R.S. Tue Oct 7, 2008 12:49 PM
I believe there should be a 3rd plan offered by insurance companies. It should be entitled, Couples Only Plan. My husband and I do not have, nor have ever had, any children covered under our insurance plan. However, we pay the same amount as a Family of 3 or more (I know one person with 8 kids). I don't think it is fair that we have to supplement the families members of others as we chose not to have children.
Re: Third Plan aShould be Added
Retired VA Tue Oct 7, 2008 4:07 PM
That doesn’t begin to cover the governmental inequities given to people who choose to have numerous children and fund their decisions with taxes from those who don’t. Why is there a tax deduction for children that isn’t given to people without? Do we really need to fund overpopulation? Why do those without children have to pay for schools that (supposedly) educate other people’s children. The only thing the public school in our area does for those without children is jam up the road during rush hour with kids driving BMWs to school rather than ride on the school bus they were forced to purchase and pay to operate (almost empty).
Re: Third Plan aShould be Added
Retired USPS Tue Oct 7, 2008 4:46 PM
Actually, the premiums charged two single enrollments is almost as much as Family coverage. Plus, in most cases only one catastropic limit needs to be met, before 100% coverage kicks in. I do not mind paying a slightly higher premium for Family vs. two single enrollments, as this is part of the protection afforded across the board, for all subscribers.
Re: Third Plan aShould be Added
Bemused IRS Thu Oct 9, 2008 9:16 AM
You people obviously don't understand the first premise of insurance. Insurance is a means of covering expenses that would be too costly for one person to bear by having everyone share a bit of the cost. Thus, you carry coverage on your house because you wouldn't want to pay the cost of rebuilding (and continuing to pay the mortgage) when you accidentally burn it down. I, by paying my homeowners policy, am subsidizing the cost of rebuilding your home. Same for your auto policy and health coverage. I carried family coverage all the years I had an eligible child. Thank God I never had to use it. But it was there if I needed it and it was there for my coworker's child when he fell out of the tree and broke his leg. Thank God, or your luck stars, that you are healthy and want to pay little for your coverage. It may not always be that way, and that's when we all help you. I don't use my health insurance much, but I'll still pay the premiums and pray I remain healthy.
Increase in BC/BS 2009 FEHB Rates
Senior HR Specialist U.S. Treasury - FMS Tue Oct 7, 2008 11:07 PM
Ralph: the following quote from your article is confusing to me. Specifically, the quote appears to site two separate and conflicting BC/BS FEHB rate increases.
I have the Standard Family BC/BS plan. What will be my increase...$42.12 or $17.87 per month?
"As far as the rates go for federal employees, excluding the rates for Postal Service employees which are different, the plan with the biggest dollar increase next year is the Blue Cross standard family plan which will go up $42.12 to a total of $356.59 per month while the "standard self" plan will rise $17.40 for a total monthly employee payment of $152.06.
The Blue Cross plans are among the most popular plans. For 2009, the rate for the Blue Cross basic family plan will go up $17.87 per month to a total of $216.48. The "basic self" Blue Cross plan will go up $7.65 to a total of $92.44 per month."
Re: Increase in BC/BS 2009 FEHB Rates
Editor FedSmith.com Wed Oct 8, 2008 6:56 AM
You may want to download the chart for the 2009 rates with the link included in the article. As noted in the article, the standard family plan for Blue Cross is increasing by $42.12 per month. The basic Blue Cross family plan is increasing by $17.87 per month. If you have the standard Blue Cross family plan, the increase will be $42.12 per month. If you have the basic Blue Cross family plan, the increase will be $17.87 per month.
You may also want to go to the OPM page at: http://www.opm.gov/insure/08/spmt/PlanSearch.aspx
to compare the different plans available. The 2009 plan data will not be available until early in November so the site provides information on the 2008 plans.
2009 FEHBP rates
retired usda Wed Oct 8, 2008 8:03 AM
I live in Atlanta and currently have Aetna Open Access - sef only. I just checked and the rate for my plan is going up approximately 50%. What could possibly justify that much of an increase? Thanks for all your information and any help you can give.
HDHPs with HSA's - a warning
Trench Worker Interior Wed Oct 8, 2008 8:53 AM
To the Supervisor at DHS and other Govies:
For the past two years I have had Mail Handler's Consumer Option with a Health Savings Plan because I was relatively "healthy." I liked the low premiums and the principle behind the Health Savings Plan which you can rollover from year to year if you don't use it. These plans are terrific for those federal workers and their families who are healthy and have no chronic health problems. This year my out-of pocket expenses (so far) have exceeded $5,000 because of my newly diagnosed chronic health condition. There were medical tests and lab work that were not covered by Mail Handlers Consumer Option. I have been writing checks for $800.00, $500.00, $375.00.
This open season I will be switching to the Standard Blue Cross Blue Shield plan. It has nothing to do with laziness. It has to do with medical necessity and like the rest of middle class America, the value of my paycheck has eroded. I have to control my health costs somewhere.
Re: HDHPs with HSA's - a warning
Supervisor DHS Thu Oct 9, 2008 7:24 AM
When comparing the HDHPs w/HSA to other traditional plans like BCBS you should always see what's covered after satisfying your deductible. Aetna's HDHP and BCBS, after the deductible is satisified, are very similar. Aetna's HDHP pays 90% and I pay 10%. My point is, BCBS is by far the most popular plan, but I doubt that the majority of participants in that plan are considered "unhealthy". As far as being lazy when it's open season, it's a proven fact that most feds don't shop around. The bottom line is there are options out there that deserve exploring. The BCBS plan is way too expensive for most feds. We know that the premium difference is $2518.10 for the year or $96.85 per pay period when comparing BCBS standard to Aetna's HDHP. If you're a disciplined saver and switched to the Aetna HDHP you'd take the $96.85 per pp and have it come out of your pay check and go into the HSA. At the end of the year you'd have contributed $2518.10. That plus the $1500 Aetna kicks in is $4018.10. Hmmm
Re: HDHPs with HSA's - a warning
Supervisor DHS Thu Oct 9, 2008 7:44 AM
The argument we often hear about HDHPs is that they will siphon off the healthy feds and leave only unhealthy feds in tradition plans like BCBS thus increasing the traditional plan rates. I don't think the data supports the claim, but for arguments sake let's say its true. Let's look at the so-called healthy fed. Assuming the above is true, why should the healthy fed be forced into a plan with unhealthy feds and pay higher premiums? The point is, if you limit choice everyone will pay more and we all lose. So shop around folks; research the options that are available. I for one can't afford to pay $100 more a pay period for health insurance when it's not necessary.
HEALTH INSURANCE PREMIUM INCREASE FOR 2009
ADMIN SPEC VHA Wed Oct 8, 2008 11:06 AM
Hmmmm, in checking with Aetna (Fed non-postal employee plan), it appears that their premiums will increase more than the 8% indicated in this article.
Last year's bi-weekly rate for my area was $56.29. According to the Aetna customer service rep. I spoke with, 2009's bi-weekly rate will be $82.33, some $26.04 more than it was in 2008. That's almost a 50% increase.
Re: HEALTH INSURANCE PREMIUM INCREASE FOR 2009
Editor FedSmith.com Wed Oct 8, 2008 11:26 AM
The article did not reference Aetna although there are links to all of the rates for 2009 for all plans. As the article noted, the 8% increase is an average so some increases will be more than that and some less.
Re: HEALTH INSURANCE PREMIUM INCREASE FOR 2009
IT Drone DoD Thu Oct 23, 2008 9:28 PM
It's not just the premiums. I was told that the prescription costs will no longer be tiered the way they are now. The new plan is rumored to be set up as a percentage of what a drug would cost without insurance (35% was the number I heard kicked around) and that a regular third-tier (non-formulary) could conceivable cost $100 (the alleged cap). Deductibles and co-pays are also rumored to be going up.
For the people in agencies that are forced to accept Aetna for coverage (and are not allowed to switch to any other plan), this is going to be disastrous if it is true.
Since I have a family member who is permanently disabled and on several medications, there is no good news in any of the increases. It's garbage like this that really make me ready for Universal Health Care.
Health Premium vs COLA Increases
Contracting Officer DCMA Tue Oct 14, 2008 9:33 AM
I enjoyed the article but always seem to feel left hanging. The way things are presented or lack thereof does not tell the complete picture to me.
For example, a Federal employee who gets the the 3.9% COLA increase but a health premium hike of 8%, the latter being a higher %, seems bad on the surface.
But %s are misleading. For simplicity's sake, when you compare an employee making $80,000 per year x 3.9% COLA = $3,120 vs. annual family health insurance premiums of $3,774 x 8% = $302.
So while the %s differ (lower for COLA; higher for premiums) so are the bases to which they apply. In the example, the COLA $ exceed the preium $ by $2,818
($3,120 - $302).
Still not a bad deal! I'll take those returns anytime!!
RE: rising cost
management assistant IRS Tue Oct 14, 2008 11:02 AM
I don't understand why the cost is going up so much this year when the larger amount of federal employees are under the BCBS plan.
We use mail order a lot and my husband cannot take the generic drug. We will not be able to afford the 65.00 copay for his name brand drug, so he will have to do without some of it.
He is also on medicare and we do not have the drug plan because it would cost us even more to have that plan.
Why when someone in disabled and has both medicare and a health plan, do they have to pay the copays.
This does not seem fair. I pay for his insurance and he has medicare so we are paying for two insurances and still have to pay copays every time he goes to the doctor.
I understand why I would have to pay a copay but not him.
Can we get some help on this.
Thanks
HEALTH INSURANCE PREMIUMS INCREASE
ADMIN VHA Tue Oct 14, 2008 11:28 AM
I've been reading comments entered by "Diversity Manager." First, I find it hard to believe that someone holding that title would make some of the comments he/she has made. Second, this person obviously enjoys attention whether positive or negative. Sad.
INCREASE IN 2009 INSURANCE PREMIUMS
SPEC VHA Thu Oct 16, 2008 9:22 AM
retired
usda
Wed Oct 8, 2008 8:03 AM
Post Reply
I live in Atlanta and currently have Aetna Open Access - sef only. I just checked and the rate for my plan is going up approximately 50%. What could possibly justify that much of an increase? Thanks for all your information and any help you can give.
~~~~~~~~~~~~~~
I live in Texas. I called Aetna, my current provider, and was given the same information. I couldn't believe my ears--50% increase!! OPM website shows that 2009 figures won't be available until November 3rd. Let's hope this 50% increase is wrong!
Re: INCREASE IN 2009 INSURANCE PREMIUMS
Supervisor DHS Thu Oct 16, 2008 2:31 PM
I'm afraid the increase is correct. If you go to Aetna's site the 2009 brochures are available and do reflect the massive rate increase in the open access plans. I suspect they are trying to get more folks in the Aetna HDHP. I don't know of another reason for the huge increase in the open access plans and the 1 cent increase in the HDHP.
Re: INCREASE IN 2009 INSURANCE PREMIUMS
IT Support Department of Defense Mon Nov 3, 2008 9:53 AM
I'm in Ohio and have Aetna Open Access. My bi-weekly rates are going up $158.44. It is not a typo - I have confirmed it with Aetna and FEHB. It seems that the typical HMO-type plan is being forced out.
Self Plus One Insurance Coverage
Analyst USCIS Thu Oct 16, 2008 11:30 AM
Why doesn't the government offer a family plan for Self plus one? The "self plus one" could be for the government employee and a spouse or the government employee with one child. The rates should be less expensive than the traditional "family plan". When I have asked this question of plan providers, I've been given the answer that OPM won't authorize it. Why not?
Re: Self Plus One Insurance Coverage
eng nasa Thu Oct 23, 2008 11:48 AM
Your right. I asked this two years ago and I'm still waiting for an answer. I assume they want to keep on inflating the prices for the ones that don't have health insurance. Your lobbyists and drug company buddies at work for you.
Health Insurance Cost
AO NIH Sat Oct 18, 2008 1:02 PM
Please tell me why a husband & wife must pay for family plan? Especially after they retire, there should be an option of husband or wife and spouce. The county and state employees have that option. Also, with a hike of $30.00 for a 90 day prescription this is putting federal retiries on a tigther budget.
I believe the federal employees pay more for their health insurance then necessary.
Health Ins Increase
Retiree SSA Sat Oct 18, 2008 9:06 PM
I have been retired for 2 yrs and my health insurance has hiked every year since. Last year due to health insurance rates going up, instead of receiving an increase on my retirement check it was decrease by about $64.00. This put a hardship on me and my spouse. He is 69 years old and is poor health but had to get a part time job to make up for the decease. I would like to know how much I will have to pay this year. I have Lovelace Insurance (HMO) but was unable to find the chart with there increase. Please let me know.
The Health Rate Increase
Cook Supervisor BOP Mon Oct 20, 2008 8:49 AM
Right now it hard to live in this country with the financial crisis going on. The economy is hurting a lot of families. Our retirement is fall apart. With our raise coming up this year put us in a deficit again, due to the health care hike. My retired parents whom worked for the Government are facing the same problems. All of us working for the Government should either get enough raise to cover the health care cost or we should get the same rate as the postal workers. The Government can make this happen if it wanted too. In Washington there are lobbyist, CEO's from these huge health care companies that get what they want, because they have several politician in their hip pocket. That is why we suffer these higher cost with less service to us.
Re: The Health Rate Increase
eng nasa Fri Oct 24, 2008 8:24 AM
I wonder who is paying OPM not to give self plus one health insurance instead of the usual self and family health insurance. Where is the Judicial system to keep the free open market system working? All the time financial kickbacks to CEO's.
No Mention of HDHPs
Natural Resource Specialist Dept of Interior Mon Oct 20, 2008 11:56 AM
You didn't metion anything about the High Deductible Health Plans with HSA accts. How are they going to change? Last year they changed the pass-through amount.
Re: No Mention of HDHPs
Supervisor DHS Thu Oct 23, 2008 7:22 AM
It depends on which HDHP with HSA you're talking about. Aetna's plan is only going up .01 per pay period and the pass through is still $125 per month for the family option. The deductible remains at $3000. You can access the '09 broucher on Aetna's site.
Health insurance increase
Master Sergeant Dale Motter 178 CES, Ohio ANG Thu Oct 23, 2008 12:23 PM
You need to check out Aetna's price increase for the Ohio area of Dayton and Cinncinnati. My increase for family coverage is going up 152.00 bi-weekly. That's over 300 dollars per month my share. I am going to change companies this year as I think OPM is letting some of the companies get by with highway robbery!
Rx copays 2009 health insurance
Retired Program Asst VA Thu Oct 23, 2008 2:52 PM
I received a letter from FEP BC/BS recently concerning the changes to the Pharmacy benefit portion of the plan. Under Standard Option (Mail Service Benefit) 4 generic fills will be provided at no cost & thereafter $10 per fill with a $65 copay for the first 30 Rxs for a brand name drug. The letter states the member cost share in the prescription drug benefit hasn't increased since 2002. However, this 85% whopping increase on Rxs combined with the increase in the premium will have a huge impact on my budget. I currently take 5 different Rxs for which NO generic drug is available. If each Rx is filled 4 times @$65 per fill, my out of pocket expense is $1300. I also take several generic Rxs so I'll save $40 for the first 4 fills. Bottom line is I'll still be paying more than $700 out of pocket for brand name Rxs. This increase is unreasonable & I fail to understand why OPM was unable to negotiate better terms.
2009 Health Insurance Rates: How Much Will Your Ra
SPEC VHA Tue Oct 28, 2008 11:17 AM
Where are the Aetna rates?
prescription drugs
Attorney-Advisor FCC Fri Oct 31, 2008 5:00 PM
As I understand it, BCBS is raising the co-pay for mail order non-generic drugs more than 85% -- from $35 to $65 a pop. Is anyone aware of other large hidden hikes? How does BCBS compare to other plans on prescription drug coverage?
When I got my letter from BC/BS, I almost choked, thinking that it was an exorbitant increase. Although, I must admit, that they haven't raised the Rx or Office visit co-pays for several years.
I was considering changing to GEHA, until I saw that my co-pay for mail-order name-brand prescriptions would be 50%. I looked at my Medco statements and my share of only one Rx would be $119! I take several name-brand medications.
It was a no-brainer for me to stick with BC/BS, especially since I will be retiring January 3rd. (Thanks FedSmith for all the information and advice!)
Health insurance rate hikes
Retireed HUD Sat Nov 1, 2008 1:22 PM
Is there no limit to the health care/prescription coverage increase for Reiterees. It's difficult enough trying to exist on 56-58% of your gross income. Now this! Just Who is looking out for us.
what about increases in copays, coinsurance etc
xxxxxx xxxxxxxxx Mon Nov 3, 2008 7:38 PM
what about the big increases in co-pays, coinsurance and deductibles and reduction in catastrophic protections via increased limits, all a part of the BC/BS standard option. This is a bad deal!
How did you come up with your Average increase of
NASA Program Manager DCMA-NC Wed Nov 5, 2008 10:10 AM
I am currently enrolled in California Blue Shield of CA. Access+HMO, code SJ2. My Bi-weekly cost was $125.01; in January 09 it will increase to $295.36 Bi-weekly. Or a monthly change of $369.09. I am not sure who in OPM is negotiating on the federal employee’s part, but; whom ever that individual/individual's are should go back and take some negotiation classes this is the most ridicules cost increase I have ever seen.
Mr. Smith how did you come up with the 8% increase, I may be wrong, but it appears to me you should work on your math skills. How can any normal working person afford this type of increase? It is a sad time in America when the middle class working family can no longer afford medical insurance. The Government need to step-up and regulate Insurance Companies, Banks/Lending Companies and don’t even get me going on the oil Companies.
Re: How did you come up with your Average increase of
editor FedSmith.com Wed Nov 5, 2008 10:23 AM
Keep in mind that the increase is an average so no everyone will get the same increase (or decrease). The figures are compiled by OPM, including the average percentage increase based on looking at all plans in the FEHB.
Types of Plans
Doctoral Student University of Florida Thu Nov 6, 2008 8:59 AM
What is the difference between high family and standard family (or standard self and high self)? Is the only difference that high family pays a larger deductible than standard family? Thanks.
Mail Handlers Value
Director (Retired) DOD Tue Nov 11, 2008 1:45 PM
We have long had Mail Handlers Standard and TRICARE.
Now we are considering changing to Mail Handlers Value.
Have you had any feedback pro or con on Value and do you have an opinion that Value and TRICARE is adequate coverage?
Re: Mail Handlers Value
Nearly Retired USPS Mon Nov 24, 2008 10:06 AM
My husband and I have had MHBP for nearly thirty years. We did switch to the value plan when it was first offered (this current year?). It has worked very well with Tricare as supplement. The only out-of-pocket we have had was our Tricare deductible.
HOWEVER, I do see that the prescription coverage is changing quite a bit. So if you buy scripts at pharmacy and have a lot, it looks like quite a bit higher out-of-pocket up front for scripts. Also, I noticed that there will be a PPO vs. non-PPO pharmacy this coming year.
I also see the higher co-pays for other areas. But I anticipate little if any change in our out-of-pocket expenses, for two months, anyway. He is due to retire on VER February 28.
Increased Blue Cross/Blue Shield
Civil Servant VA Wed Nov 12, 2008 10:45 AM
I have BC/BS and now the cost is going up 13+%. Why do I pay the same amount ($145.14 bi-weekly right now) for my husband and I while other married couples pay the same and might have 10 kids who are all covered at the same cost? I thought at one time FEHB was looking into prorating how much the premiums cost depending on how many folks are covered under one plan? Is there anything in the making out there re: this issue?
2009 FEHB Increases - Northern California
Federal Retiree IRS Sat Nov 15, 2008 9:24 AM
One question:
There is a sustantial increase in health insurance premiums for members of Blue Shield of California HMO for 2009. Since I have an existing and on-going health issue, Can I switch to another HMO with lower premiums during Open Season and still get full coverage even though I have a pre-existing health condition?
Health plans rate differences
federal retiree gm IRS Sat Nov 15, 2008 6:49 PM
All major health plan's high option waive copays and deductibles for retirees with medicare parts a & b. Why then should we not select the plan with the lowest fee? The only difference I can see is prescription drugs. Why shoud I pay a hundred dollars more for BCBS when NACL has very close to the same benefit? Am I missing something?
Self plus one
HR Specialist DOI Wed Nov 19, 2008 8:26 AM
Given that the family plan is quite expensive for a couple with no children who need coverage, is there any expectation that OPM will offer "self plus one" coverage as many private and state entities do?
INSURANCE PREMIUMS
RETIRED FED EMPLOYEE DEPT. OF ARMY Fri Nov 21, 2008 5:38 AM
I think it is extremely interesting that during a time of "Economic Disaster" through out the country that the Insurance Companies and the Drug Manufacturers do not seem to be affected at all. When was the last time and Insurance Company or a Drug Manufacturer went Bankrupt?
TRICARE SUPPLEMENTAL INSURANCE
Nearly Retired USPS Mon Nov 24, 2008 10:13 AM
My husband will be retiring end of February.
We have used Mail Handlers along with Tricare for nearly thirty years now. We both have extensive, costly medical problems.
It appears that we will not be able to afford to keep the MHBP into retirement, and that is the scariest thing of all about his having to retire.
I am desperately searching for a Tricare supplemental insurance, preferably with no exclusion period for pre-existing conditions, or as short a period as possible. I have searched hours on the internet to no avail. I have emailed several military "associations" because that is supposedly who usually has them.
I'm hoping for help in finding companies who sell a supplement to Tricare Standard, OR if someone is aware if the USPS still has a Tricare supplement that they offer. If they do, we can switch to that during open season. I cannot find it in the list of plans.
I currently have Health Net High Option for Southern California for Self and Family and rate increased 25%. I currently have a deduction in the amount of $107 and the new rate is $134. I will be looking at another provider due to this outrageous one year increase.
health insurance when I retire
mission support specialist U.S. Border Patrol Wed Dec 3, 2008 1:45 PM
someone said that in order to retire with your specific health insurance (Ex: BCBS Basic) you need to be in BCBS Basic for 5 years and you cannot change the type of insurance once you retire. Is there any truth to this?
FEHB
Manager CBP Wed Dec 17, 2008 9:35 AM
In all due respect, FEHB does not cover all families. My partner and myself have been together for over 26 years, yet he is not entitled to family coverage or any other benifits, such as retirement, long term care insurance, etc. The Federal government has failed to recognize Gay and Lesbian couples as family. Call it what you want, but it is discrimination.
co-pay for perscription drugs
John t. Emmert Federal Civil Service Retired Thu Dec 18, 2008 2:22 AM
I am enrolled in BCBS Basic. How much will I see the
perscription drugs increase in 2009?
Health Benefits
Retired SBA Tue Aug 25, 2009 8:53 AM
Why do I have to pay family rates all these years when I am just covering my husband??? The rate is the same if I am covering one person or 6 people.
FEHB Rates
USDA, Forest Service
Tue Oct 7, 2008 9:16 AM
I'm confused where these rates came from. I currently pay $314 a month for Blue Cross Standard family.
Re: FEHB Rates
FedSmith.com
Tue Oct 7, 2008 9:30 AM
SAMBA Changes
HHS
Tue Oct 7, 2008 9:24 AM
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
Federal Agency
Tue Oct 7, 2008 10:13 AM
Health Insurance Premiums
DOJ
Tue Oct 7, 2008 9:30 AM
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
DOL
Tue Oct 7, 2008 11:51 AM
Re: Health Insurance Premiums
DoD
Tue Oct 7, 2008 6:54 PM
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
DOL
Tue Oct 7, 2008 10:07 PM
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
DoD
Wed Oct 8, 2008 7:35 PM
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
DOL
Wed Oct 8, 2008 7:51 PM
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
DoD
Fri Oct 10, 2008 12:01 AM
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
DOJ
Sun Oct 12, 2008 1:11 PM
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
DOD
Tue Oct 21, 2008 11:30 AM
Re: Health Insurance Premiums
nasa
Thu Oct 23, 2008 11:40 AM
FEDERAL PERSONNEL KNOW HOW TO COUNT
USMC
Tue Oct 7, 2008 9:39 AM
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
DOL
Tue Oct 7, 2008 11:52 AM
Health Benefits
Census Bureau
Tue Oct 7, 2008 9:40 AM
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
DOL
Tue Oct 7, 2008 11:53 AM
FEHB
SSA
Tue Oct 7, 2008 9:40 AM
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
FedSmith.com
Tue Oct 7, 2008 9:49 AM
Highest Dollar Increase
DOD
Tue Oct 7, 2008 9:46 AM
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
DHS
Tue Oct 7, 2008 6:58 PM
Employee Health Premiums not Paid
USAF Department of Defense
Tue Oct 7, 2008 10:48 AM
I never see anyone address the fact that federal employees who do not use their "earned health benefits" get no compensation when not signing up for the benefit. All around us are peers who are compensated more because they sign up for health "benefits" whereas other employees do not "cost the government" anything for one of our prime benefits. When working in the private sector, many companies compensate their employees with paid health premiums (either full or partial) or an equal portion included in their paycheck because it is part of their wage package. Why do federal employees only get part of their earnings package? I understand that many federal employees are retired military and already receive greatly reduced medical care, free prescriptions, etc. It would be fair to adjust their Tricare premiums to give them what benefits they are earning when becoming federal employees. Why should so many of us receive less than what we are “earning” when working for Department of Defense?
FEHB
USPS
Tue Oct 7, 2008 10:48 AM
The Editor is correct in opening a Pandora's Box. Once started, it could proceed right down or up the chain of risk. These can include; occupations, age, gender, number of claims and include as mentioned, lifestyles.
Insurance Premiums
USAF
Tue Oct 7, 2008 11:10 AM
What role do Unions play in negoiating these rates? They are good at arguing about a breakroom or defending Billy Bob for not working, but where are they on the big issues?
Re: Insurance Premiums
IRS
Wed Oct 8, 2008 8:33 AM
FEHB Rate Increase
USDA Forest Service
Tue Oct 7, 2008 11:15 AM
Some readers also ask why the cost of health insurance is the same for smokers and non-smokers based on the assumption that non-smokers are going to have more claims and more health problems.
In regard to the above--have insurance companies considered premium discounts for healthy lifestyles like car insurance companies do for safe drivers?
Re: FEHB Rate Increase
DOL
Tue Oct 7, 2008 3:26 PM
Congressional Math
Forest Service
Tue Oct 7, 2008 12:21 PM
OPM must be using congressional math to figure the "average" rate increase. If BC/BS has a vastly larger enrollment, then how does their 9 to 13 % increase get averaged out to 8% for everyone. I do not see enough decreases to offset this increase, except if you calculate like our Congress does.
BCBS PLANS
FAA
Tue Oct 7, 2008 12:35 PM
Why doesn't OPM offer a plan that just covers husband and wife. I know for a fact that BCBS offers one, but OPM chooses not to offer it to it's employees.
Third Plan aShould be Added
I.R.S.
Tue Oct 7, 2008 12:49 PM
I believe there should be a 3rd plan offered by insurance companies. It should be entitled, Couples Only Plan. My husband and I do not have, nor have ever had, any children covered under our insurance plan. However, we pay the same amount as a Family of 3 or more (I know one person with 8 kids). I don't think it is fair that we have to supplement the families members of others as we chose not to have children.
Re: Third Plan aShould be Added
VA
Tue Oct 7, 2008 4:07 PM
Re: Third Plan aShould be Added
USPS
Tue Oct 7, 2008 4:46 PM
Re: Third Plan aShould be Added
IRS
Thu Oct 9, 2008 9:16 AM
Increase in BC/BS 2009 FEHB Rates
U.S. Treasury - FMS
Tue Oct 7, 2008 11:07 PM
Ralph: the following quote from your article is confusing to me. Specifically, the quote appears to site two separate and conflicting BC/BS FEHB rate increases.
I have the Standard Family BC/BS plan. What will be my increase...$42.12 or $17.87 per month?
"As far as the rates go for federal employees, excluding the rates for Postal Service employees which are different, the plan with the biggest dollar increase next year is the Blue Cross standard family plan which will go up $42.12 to a total of $356.59 per month while the "standard self" plan will rise $17.40 for a total monthly employee payment of $152.06.
The Blue Cross plans are among the most popular plans. For 2009, the rate for the Blue Cross basic family plan will go up $17.87 per month to a total of $216.48. The "basic self" Blue Cross plan will go up $7.65 to a total of $92.44 per month."
Re: Increase in BC/BS 2009 FEHB Rates
FedSmith.com
Wed Oct 8, 2008 6:56 AM
You may also want to go to the OPM page at:
http://www.opm.gov/insure/08/spmt/PlanSearch.aspx
to compare the different plans available. The 2009 plan data will not be available until early in November so the site provides information on the 2008 plans.
2009 FEHBP rates
usda
Wed Oct 8, 2008 8:03 AM
I live in Atlanta and currently have Aetna Open Access - sef only. I just checked and the rate for my plan is going up approximately 50%. What could possibly justify that much of an increase? Thanks for all your information and any help you can give.
HDHPs with HSA's - a warning
Interior
Wed Oct 8, 2008 8:53 AM
To the Supervisor at DHS and other Govies:
For the past two years I have had Mail Handler's Consumer Option with a Health Savings Plan because I was relatively "healthy." I liked the low premiums and the principle behind the Health Savings Plan which you can rollover from year to year if you don't use it. These plans are terrific for those federal workers and their families who are healthy and have no chronic health problems. This year my out-of pocket expenses (so far) have exceeded $5,000 because of my newly diagnosed chronic health condition. There were medical tests and lab work that were not covered by Mail Handlers Consumer Option. I have been writing checks for $800.00, $500.00, $375.00.
This open season I will be switching to the Standard Blue Cross Blue Shield plan. It has nothing to do with laziness. It has to do with medical necessity and like the rest of middle class America, the value of my paycheck has eroded. I have to control my health costs somewhere.
Re: HDHPs with HSA's - a warning
DHS
Thu Oct 9, 2008 7:24 AM
Re: HDHPs with HSA's - a warning
DHS
Thu Oct 9, 2008 7:44 AM
HEALTH INSURANCE PREMIUM INCREASE FOR 2009
VHA
Wed Oct 8, 2008 11:06 AM
Hmmmm, in checking with Aetna (Fed non-postal employee plan), it appears that their premiums will increase more than the 8% indicated in this article.
Last year's bi-weekly rate for my area was $56.29. According to the Aetna customer service rep. I spoke with, 2009's bi-weekly rate will be $82.33, some $26.04 more than it was in 2008. That's almost a 50% increase.
Re: HEALTH INSURANCE PREMIUM INCREASE FOR 2009
FedSmith.com
Wed Oct 8, 2008 11:26 AM
Re: HEALTH INSURANCE PREMIUM INCREASE FOR 2009
DoD
Thu Oct 23, 2008 9:28 PM
For the people in agencies that are forced to accept Aetna for coverage (and are not allowed to switch to any other plan), this is going to be disastrous if it is true.
Since I have a family member who is permanently disabled and on several medications, there is no good news in any of the increases. It's garbage like this that really make me ready for Universal Health Care.
Health Premium vs COLA Increases
DCMA
Tue Oct 14, 2008 9:33 AM
I enjoyed the article but always seem to feel left hanging. The way things are presented or lack thereof does not tell the complete picture to me.
For example, a Federal employee who gets the the 3.9% COLA increase but a health premium hike of 8%, the latter being a higher %, seems bad on the surface.
But %s are misleading. For simplicity's sake, when you compare an employee making $80,000 per year x 3.9% COLA = $3,120 vs. annual family health insurance premiums of $3,774 x 8% = $302.
So while the %s differ (lower for COLA; higher for premiums) so are the bases to which they apply. In the example, the COLA $ exceed the preium $ by $2,818
($3,120 - $302).
Still not a bad deal! I'll take those returns anytime!!
RE: rising cost
IRS
Tue Oct 14, 2008 11:02 AM
I don't understand why the cost is going up so much this year when the larger amount of federal employees are under the BCBS plan.
We use mail order a lot and my husband cannot take the generic drug. We will not be able to afford the 65.00 copay for his name brand drug, so he will have to do without some of it.
He is also on medicare and we do not have the drug plan because it would cost us even more to have that plan.
Why when someone in disabled and has both medicare and a health plan, do they have to pay the copays.
This does not seem fair. I pay for his insurance and he has medicare so we are paying for two insurances and still have to pay copays every time he goes to the doctor.
I understand why I would have to pay a copay but not him.
Can we get some help on this.
Thanks
HEALTH INSURANCE PREMIUMS INCREASE
VHA
Tue Oct 14, 2008 11:28 AM
I've been reading comments entered by "Diversity Manager." First, I find it hard to believe that someone holding that title would make some of the comments he/she has made. Second, this person obviously enjoys attention whether positive or negative. Sad.
INCREASE IN 2009 INSURANCE PREMIUMS
VHA
Thu Oct 16, 2008 9:22 AM
retired
usda
Wed Oct 8, 2008 8:03 AM
Post Reply
I live in Atlanta and currently have Aetna Open Access - sef only. I just checked and the rate for my plan is going up approximately 50%. What could possibly justify that much of an increase? Thanks for all your information and any help you can give.
~~~~~~~~~~~~~~
I live in Texas. I called Aetna, my current provider, and was given the same information. I couldn't believe my ears--50% increase!! OPM website shows that 2009 figures won't be available until November 3rd. Let's hope this 50% increase is wrong!
Re: INCREASE IN 2009 INSURANCE PREMIUMS
DHS
Thu Oct 16, 2008 2:31 PM
Re: INCREASE IN 2009 INSURANCE PREMIUMS
Department of Defense
Mon Nov 3, 2008 9:53 AM
Self Plus One Insurance Coverage
USCIS
Thu Oct 16, 2008 11:30 AM
Why doesn't the government offer a family plan for Self plus one? The "self plus one" could be for the government employee and a spouse or the government employee with one child. The rates should be less expensive than the traditional "family plan". When I have asked this question of plan providers, I've been given the answer that OPM won't authorize it. Why not?
Re: Self Plus One Insurance Coverage
nasa
Thu Oct 23, 2008 11:48 AM
Health Insurance Cost
NIH
Sat Oct 18, 2008 1:02 PM
Please tell me why a husband & wife must pay for family plan? Especially after they retire, there should be an option of husband or wife and spouce. The county and state employees have that option. Also, with a hike of $30.00 for a 90 day prescription this is putting federal retiries on a tigther budget.
I believe the federal employees pay more for their health insurance then necessary.
Health Ins Increase
SSA
Sat Oct 18, 2008 9:06 PM
I have been retired for 2 yrs and my health insurance has hiked every year since. Last year due to health insurance rates going up, instead of receiving an increase on my retirement check it was decrease by about $64.00. This put a hardship on me and my spouse. He is 69 years old and is poor health but had to get a part time job to make up for the decease. I would like to know how much I will have to pay this year. I have Lovelace Insurance (HMO) but was unable to find the chart with there increase. Please let me know.
The Health Rate Increase
BOP
Mon Oct 20, 2008 8:49 AM
Right now it hard to live in this country with the financial crisis going on. The economy is hurting a lot of families. Our retirement is fall apart. With our raise coming up this year put us in a deficit again, due to the health care hike. My retired parents whom worked for the Government are facing the same problems. All of us working for the Government should either get enough raise to cover the health care cost or we should get the same rate as the postal workers. The Government can make this happen if it wanted too. In Washington there are lobbyist, CEO's from these huge health care companies that get what they want, because they have several politician in their hip pocket. That is why we suffer these higher cost with less service to us.
Re: The Health Rate Increase
nasa
Fri Oct 24, 2008 8:24 AM
No Mention of HDHPs
Dept of Interior
Mon Oct 20, 2008 11:56 AM
You didn't metion anything about the High Deductible Health Plans with HSA accts. How are they going to change? Last year they changed the pass-through amount.
Re: No Mention of HDHPs
DHS
Thu Oct 23, 2008 7:22 AM
Health insurance increase
178 CES, Ohio ANG
Thu Oct 23, 2008 12:23 PM
You need to check out Aetna's price increase for the Ohio area of Dayton and Cinncinnati. My increase for family coverage is going up 152.00 bi-weekly. That's over 300 dollars per month my share. I am going to change companies this year as I think OPM is letting some of the companies get by with highway robbery!
Rx copays 2009 health insurance
VA
Thu Oct 23, 2008 2:52 PM
I received a letter from FEP BC/BS recently concerning the changes to the Pharmacy benefit portion of the plan. Under Standard Option (Mail Service Benefit) 4 generic fills will be provided at no cost & thereafter $10 per fill with a $65 copay for the first 30 Rxs for a brand name drug. The letter states the member cost share in the prescription drug benefit hasn't increased since 2002. However, this 85% whopping increase on Rxs combined with the increase in the premium will have a huge impact on my budget. I currently take 5 different Rxs for which NO generic drug is available. If each Rx is filled 4 times @$65 per fill, my out of pocket expense is $1300. I also take several generic Rxs so I'll save $40 for the first 4 fills. Bottom line is I'll still be paying more than $700 out of pocket for brand name Rxs. This increase is unreasonable & I fail to understand why OPM was unable to negotiate better terms.
2009 Health Insurance Rates: How Much Will Your Ra
VHA
Tue Oct 28, 2008 11:17 AM
Where are the Aetna rates?
prescription drugs
FCC
Fri Oct 31, 2008 5:00 PM
As I understand it, BCBS is raising the co-pay for mail order non-generic drugs more than 85% -- from $35 to $65 a pop. Is anyone aware of other large hidden hikes? How does BCBS compare to other plans on prescription drug coverage?
Re: prescription drugs
DFAS
Tue Nov 4, 2008 7:25 PM
I was considering changing to GEHA, until I saw that my co-pay for mail-order name-brand prescriptions would be 50%. I looked at my Medco statements and my share of only one Rx would be $119! I take several name-brand medications.
It was a no-brainer for me to stick with BC/BS, especially since I will be retiring January 3rd. (Thanks FedSmith for all the information and advice!)
Health insurance rate hikes
HUD
Sat Nov 1, 2008 1:22 PM
Is there no limit to the health care/prescription coverage increase for Reiterees. It's difficult enough trying to exist on 56-58% of your gross income. Now this! Just Who is looking out for us.
what about increases in copays, coinsurance etc
xxxxxxxxx
Mon Nov 3, 2008 7:38 PM
what about the big increases in co-pays, coinsurance and deductibles and reduction in catastrophic protections via increased limits, all a part of the BC/BS standard option. This is a bad deal!
How did you come up with your Average increase of
DCMA-NC
Wed Nov 5, 2008 10:10 AM
I am currently enrolled in California Blue Shield of CA. Access+HMO, code SJ2. My Bi-weekly cost was $125.01; in January 09 it will increase to $295.36 Bi-weekly. Or a monthly change of $369.09. I am not sure who in OPM is negotiating on the federal employee’s part, but; whom ever that individual/individual's are should go back and take some negotiation classes this is the most ridicules cost increase I have ever seen.
Mr. Smith how did you come up with the 8% increase, I may be wrong, but it appears to me you should work on your math skills. How can any normal working person afford this type of increase? It is a sad time in America when the middle class working family can no longer afford medical insurance. The Government need to step-up and regulate Insurance Companies, Banks/Lending Companies and don’t even get me going on the oil Companies.
Re: How did you come up with your Average increase of
FedSmith.com
Wed Nov 5, 2008 10:23 AM
Types of Plans
University of Florida
Thu Nov 6, 2008 8:59 AM
What is the difference between high family and standard family (or standard self and high self)? Is the only difference that high family pays a larger deductible than standard family? Thanks.
Mail Handlers Value
DOD
Tue Nov 11, 2008 1:45 PM
We have long had Mail Handlers Standard and TRICARE.
Now we are considering changing to Mail Handlers Value.
Have you had any feedback pro or con on Value and do you have an opinion that Value and TRICARE is adequate coverage?
Re: Mail Handlers Value
USPS
Mon Nov 24, 2008 10:06 AM
HOWEVER, I do see that the prescription coverage is changing quite a bit. So if you buy scripts at pharmacy and have a lot, it looks like quite a bit higher out-of-pocket up front for scripts. Also, I noticed that there will be a PPO vs. non-PPO pharmacy this coming year.
I also see the higher co-pays for other areas. But I anticipate little if any change in our out-of-pocket expenses, for two months, anyway. He is due to retire on VER February 28.
Increased Blue Cross/Blue Shield
VA
Wed Nov 12, 2008 10:45 AM
I have BC/BS and now the cost is going up 13+%. Why do I pay the same amount ($145.14 bi-weekly right now) for my husband and I while other married couples pay the same and might have 10 kids who are all covered at the same cost? I thought at one time FEHB was looking into prorating how much the premiums cost depending on how many folks are covered under one plan? Is there anything in the making out there re: this issue?
2009 FEHB Increases - Northern California
IRS
Sat Nov 15, 2008 9:24 AM
One question:
There is a sustantial increase in health insurance premiums for members of Blue Shield of California HMO for 2009. Since I have an existing and on-going health issue, Can I switch to another HMO with lower premiums during Open Season and still get full coverage even though I have a pre-existing health condition?
Health plans rate differences
IRS
Sat Nov 15, 2008 6:49 PM
All major health plan's high option waive copays and deductibles for retirees with medicare parts a & b. Why then should we not select the plan with the lowest fee? The only difference I can see is prescription drugs. Why shoud I pay a hundred dollars more for BCBS when NACL has very close to the same benefit? Am I missing something?
Self plus one
DOI
Wed Nov 19, 2008 8:26 AM
Given that the family plan is quite expensive for a couple with no children who need coverage, is there any expectation that OPM will offer "self plus one" coverage as many private and state entities do?
INSURANCE PREMIUMS
DEPT. OF ARMY
Fri Nov 21, 2008 5:38 AM
I think it is extremely interesting that during a time of "Economic Disaster" through out the country that the Insurance Companies and the Drug Manufacturers do not seem to be affected at all. When was the last time and Insurance Company or a Drug Manufacturer went Bankrupt?
TRICARE SUPPLEMENTAL INSURANCE
USPS
Mon Nov 24, 2008 10:13 AM
My husband will be retiring end of February.
We have used Mail Handlers along with Tricare for nearly thirty years now. We both have extensive, costly medical problems.
It appears that we will not be able to afford to keep the MHBP into retirement, and that is the scariest thing of all about his having to retire.
I am desperately searching for a Tricare supplemental insurance, preferably with no exclusion period for pre-existing conditions, or as short a period as possible. I have searched hours on the internet to no avail. I have emailed several military "associations" because that is supposedly who usually has them.
I'm hoping for help in finding companies who sell a supplement to Tricare Standard, OR if someone is aware if the USPS still has a Tricare supplement that they offer. If they do, we can switch to that during open season. I cannot find it in the list of plans.
Thanks for any help anyone can give me.
Health Insurance Cost increase
IRS
Wed Dec 3, 2008 12:22 PM
I currently have Health Net High Option for Southern California for Self and Family and rate increased 25%. I currently have a deduction in the amount of $107 and the new rate is $134. I will be looking at another provider due to this outrageous one year increase.
health insurance when I retire
U.S. Border Patrol
Wed Dec 3, 2008 1:45 PM
someone said that in order to retire with your specific health insurance (Ex: BCBS Basic) you need to be in BCBS Basic for 5 years and you cannot change the type of insurance once you retire. Is there any truth to this?
FEHB
CBP
Wed Dec 17, 2008 9:35 AM
In all due respect, FEHB does not cover all families. My partner and myself have been together for over 26 years, yet he is not entitled to family coverage or any other benifits, such as retirement, long term care insurance, etc. The Federal government has failed to recognize Gay and Lesbian couples as family. Call it what you want, but it is discrimination.
co-pay for perscription drugs
Federal Civil Service Retired
Thu Dec 18, 2008 2:22 AM
I am enrolled in BCBS Basic. How much will I see the
perscription drugs increase in 2009?
Health Benefits
SBA
Tue Aug 25, 2009 8:53 AM
Why do I have to pay family rates all these years when I am just covering my husband??? The rate is the same if I am covering one person or 6 people.