No. of Recommendations: 3
uhmm.. yeahhh

While working, you get a tremendous company benefit, ie lieu of salary. If the company didn't pay for your healthcare, they could give you $10,000 more a year.....

a few years ago, I inquired of my employer if I could just get my own insurance policy and they 'would' just put the monthly premium into my paycheck...

the answer: "sure, but if you don't take the 'sponsored' policy, we will only 'pay' you 1/3 of the monthly premium."

I'm still with the same HMO but through a different employer. The monthly premium has increased about 15% in 10 years. BUT!! don't let this fool you - the benefits have DECREASED, and, I pay more for less: copay has increased 100% for 'regular' visits; copay for emergency is up 200%; now have a deductible on prescriptions; dental is optional and farcical; vision coverage is a farce (What I pay under the plan is about $5 less than what I pay in the 'free' world).

Friends at the previous employer tell me they've seen similar changes there, too.

To be fair, I have to mention that the HMO now 'covers' chiropractic and massage. I can see an in-network chiropractor for $35... or my out-of-network practitioner for $34. I can see an 'in network' massage therapist for $65/hour or an 'independent' for $60/hour.

Uhmm... yeah...

IMO, the health care MANAGEMENT system (HMOs, insurance companies, etc) is BROKEN in its current business model.
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