Archived benefits...

Status
Not open for further replies.
hatemyjob said:
Yep, I learned that lesson too. A trip to the ER that would have cost $150 under the HMO cost over $1000 with the cheapo plan. Went back to the HMO during the next enrollment period.

insiteful1 - how does that Kool-Aid taste?
Click to expand...


Mmmmmmmm. Kooooool-Aid.
 
Gotta remember that single folk don't have those worries & maybe family folk (like many of us) shouldn't be relying on someplace like Target, as if many of us had a choice right now.
Life can also change in an instant when you least expect it & least have coverage.
 
StateofTarget said:
Dude, are you like 18? For those of us getting older, this is freaking huge. You have any idea how much cancer costs? HIV? Pretty much any other illness that lasts longer than few weeks? $500 in chump change. Try about $500,000 in the first year medical bills for any serious illness. Hell, even being in the hospital a week can costs thousands of dollars. In some cases, probably more than a TMs entire annual earnings.
Click to expand...

Thank you Stateoftarget - you stated it perfectly! Those HSA/HRA plans are awesome if you don't have any medical issues. My husband and I take quite a few prescriptions and need to see specialists and may need an overnight hospital stay. I can't afford either plan. Don't know exactly which way to turn now.
 
i can't help but wonder if obamacare has something to do with target getting rid of the PPO and HMO plans.. idk. i don't know enough about obamacare to form an opinion on it. the only thing i want is, to do away with the pre-existing condition issues, which obamacare has done for children so far.

my spouse does belong to a union so like some of you said, no drastic changes will be made without contract changes... i guess i'm the only one who is **** outta luck.
 
FormerSpecialist said:
i can't help but wonder if obamacare has something to do with target getting rid of the PPO and HMO plans.. idk. i don't know enough about obamacare to form an opinion on it. the only thing i want is, to do away with the pre-existing condition issues, which obamacare has done for children so far.

my spouse does belong to a union so like some of you said, no drastic changes will be made without contract changes... i guess i'm the only one who is **** outta luck.
Click to expand...

No, has nothing to do with health care reform.

How do I know? Three years ago in a TL meeting we were told the PPO/HMO was going away. A few weeks later our STL told us "oops. Company called it off. Nevermind"

So this has been on the drawing board since at least 3 years ago. It seems like now the company finally had the balls to do it.
 
StateofTarget said:
No, has nothing to do with health care reform.

How do I know? Three years ago in a TL meeting we were told the PPO/HMO was going away. A few weeks later our STL told us "oops. Company called it off. Nevermind"

So this has been on the drawing board since at least 3 years ago. It seems like now the company finally had the balls to do it.
Click to expand...

True - company has been heading in this direction for a couple of years.
 
Target Annie said:
My state is not one with the coverage, and I would have to have been without coverage or denied coverage. My concern is that my expenses under the Target plans will cost more than I make.
Click to expand...

Check your state family services by clicking on it & go to the state link.
They will tell requirements & deductible amounts.
 
Hardlinesmaster said:
Check your state family services by clicking on it & go to the state link.
They will tell requirements & deductible amounts.
Click to expand...

So now we basically have to go on welfare to decent coverage for ourselved and family. Welcome to the best company ever.

Fyi i will never go on welfare. Too much dignity for that. Spot will not take that from me.
 
How much worse can it possibly get? I had the traditional health plan for a few years, and then I was told Target was dropping it for the Health Spending Account thru United.

You were told that you would have to assess how healthy you are, expect how often you will be sick, and figure out if you were going to have any major life changes. And then you could call a 1800 number that recommend if you really needed to go to the doctors office, or if could be treated at home.
 
Last edited:
FormerSpecialist said:
exactly. i don't feel comfortable giving too much information, but one of my kids was diagnosed with a rare disorder. $500 will not even cover a visit to a specialist...
Click to expand...

Apply for Katie Beckett or Medicaid. They will pick up the OOP expenses to help pay these expenses and it will count toward the OOP expense.
 
I'm sorry but what Target is offering is not health insurance.
They can try and call it that all they want but it just isn't.
I'm so sorry for anyone who depends on Spot for their insurance, this just sucks.
 
Rarejem said:
Apply for Katie Beckett or Medicaid. They will pick up the OOP expenses to help pay these expenses and it will count toward the OOP expense.
Click to expand...

A person who works should not have to be on government support programs for health care. I suppose it is good health care reform passed so at least these programs will be an option for some TMs.... otherwise they would be completely sh** out of luck.
 
So will ex-target employees on cobra be effected by this change? Whoo-hooo my first post, and such a bland question lol!
 
StateofTarget said:
A person who works should not have to be on government support programs for health care. I suppose it is good health care reform passed so at least these programs will be an option for some TMs.... otherwise they would be completely sh** out of luck.
Click to expand...

i have no idea what katie beckett is and i have no intention what so ever of putting my child on medicaid. you can't use medicaid in conjunction with insurance in my state. if i wanted the kid on medicaid then i'd have to cancel our insurance then wait 90 days, and then assuming that we even qualify for medicaid based on the amount of money we make. which i know for a fact, that we make too much.

the second reason why i won't use medicaid is because of the pre-existing condition issue. right now, insurance companies cannot deny coverage to children with a pre existing condition BUT if obama doesn't make the white house again... obamacare WILL be repealed which means we're back to square one, the kid will be denied coverage because of her pre existing condition BECAUSE he/she had no private insurance... if that wasn't clear, the kid MUST be covered without a lapse..

and state of target is 100% correct, we should not have to rely on government to provide care. i have provided healthcare for my kids since the moment they were all born.
 
FormerSpecialist said:
i have no idea what katie beckett is and i have no intention what so ever of putting my child on medicaid. you can't use medicaid in conjunction with insurance in my state. if i wanted the kid on medicaid then i'd have to cancel our insurance then wait 90 days, and then assuming that we even qualify for medicaid based on the amount of money we make. which i know for a fact, that we make too much.

the second reason why i won't use medicaid is because of the pre-existing condition issue. right now, insurance companies cannot deny coverage to children with a pre existing condition BUT if obama doesn't make the white house again... obamacare WILL be repealed which means we're back to square one, the kid will be denied coverage because of her pre existing condition BECAUSE he/she had no private insurance... if that wasn't clear, the kid MUST be covered without a lapse..

and state of target is 100% correct, we should not have to rely on government to provide care. i have provided healthcare for my kids since the moment they were all born.
Click to expand...

I didn't mean to offend you. Medicaid is a federal program and it is encouraged that recipients use it in conjunction with private insurance. Katie Beckett is a form of medicaid that is specifically for children whose parents have large medical expenses but do not meet the financial requirements for standard medicaid. Look them up. I have a disabled child and have been dealing with these issues since his birth many years ago. PM me if you'd like. I am an advocate for disabled children in my state and am pretty good at helping people find ways to get their children the help that they need.
 
Rarejem said:
I didn't mean to offend you. Medicaid is a federal program and it is encouraged that recipients use it in conjunction with private insurance. Katie Beckett is a form of medicaid that is specifically for children whose parents have large medical expenses but do not meet the financial requirements for standard medicaid. Look them up. I have a disabled child and have been dealing with these issues since his birth many years ago. PM me if you'd like. I am an advocate for disabled children in my state and am pretty good at helping people find ways to get their children the help that they need.
Click to expand...

you didn't offend me.. sorry if it came off that way. it's just a darned if ya do, darned if ya don't situation... i don't understand how a company this big, can't and won't provide good health insurance for us. i think the price of the PPO and HMO plans are very reasonable and i'd be very willing to pay a little more to keep them around.

thanks for the advice also, on getting some extra help. fortunately my kid isn't having issues at the moment. it's just a waiting game to see if problems present..
 
fyi... not that it matters, but i heard through the grapevine that these changes do not affect tm in alabama... they get to keep their bcbs
 
Rarejem said:
I didn't mean to offend you. Medicaid is a federal program and it is encouraged that recipients use it in conjunction with private insurance. Katie Beckett is a form of medicaid that is specifically for children whose parents have large medical expenses but do not meet the financial requirements for standard medicaid. Look them up. I have a disabled child and have been dealing with these issues since his birth many years ago. PM me if you'd like. I am an advocate for disabled children in my state and am pretty good at helping people find ways to get their children the help that they need.
Click to expand...
Your information is incorrect. Medicaid is NOT a federal program but a state-run program. Every state has their own rules and requirements for Medicaid, and Medicaid is mainly funded BY THE STATES (80%) and then the federal government (20%).
 
insiteful1 said:
Yes it rolls!!
Click to expand...
did they actually say that? the first year they were offered, they did not roll. the following year they did. again, we have a job. they don't have to even offer insurance to us. My husband works at another retailer, when i opted in the HRA (I think it was) the first year we had it, his was almost $200 more than ours, (and his is a nationwide retailer like target. ) they were switching insurance companies twice a year at least, without even letting them know. I wasn't real happy with the hra, hsa then probably won't be over joyed with it un 2013. but consider the alternative.
 
Status
Not open for further replies.

Users who are viewing this thread

Total: 1 (members: 0, guests: 1)
Back
Top