FedEx Freight | FXF Inc. Health benefits package
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Not sure how long you worked here but there is certainly a difference between administrator's. When I first started we had health star (I believe) This company was absolutely horrible. Got a lot of drivers in trouble with collection agencies. Finally the company after many complaints changed to sagamore. This was a good administrator! Now we have cigna, I don't really have an opinion on them other than I keep increasing my medical savings plan and it is never enough.
I am at fxfe and you may be right that corporate tells them how much to pay, however it takes a competent company to process claims correctly.
TiredDvrsWife
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This sucks,my Ins for family will be $50.54 wk.FXFN for the same thing is $36.69 wk Why do freight people have to pay more for same coverage.All I can say is CIGNA SUCKS.they wont pay for sh_t, but they still take your money $2628.08 per year for health ,dental, vision is more than our raises will keep up with.the drug plan has a min charge of 5.00 on generic when you can get it at wal mart for 4.00 what good is that?
Read your post and then had to double check to make sure I wasn't reading on the Conway forum!! My husband gets a raise first of Oct and they raise insurance prices in Jan, so we don't really get to enjoy much of the raise.
Give with one hand and
silent trucker
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Kaiser isn't bad...as long as you don't care about your health! They're a bad joke, in the news all the time for operating on the wrong knee etceteras! They almost killed a friend of mine 3 years ago, claimed he had prostate problems...sent him home. 12 hours later, did an emergency appendectomy! Four days in the hospital on Cipro so he wouldn't die because of the infection caused by malpractice!
ST
fedex_employee
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Cigna OAP 1 Dental Buy up and vision. I see a $30 difference a week from OAP 1 and OAP 2, But I(we) go to the DR's so much the extra money saved by lower co pay and co insurance will make up for it in the end.
I think the Vision is a joke but its insurance in case my kid loses her glasses that I buy her yearly with cash from a decent vision center.
I also buy the Met Life auto insurance from work and it saves me money. I also have it deducted from my weekly paycheck.
Wage works FSA since we have to pay for Rx's and DR visits. The Walmart $4 deal is great if your Medicine happens to have a generic and is covered by the Walmart formulary .
I’m very grateful for the medical, dental, and vision coverage FedEx offers. Believe me it is cheap compared to not having any. With my wife’s medical problems if it were not for Viking and now FedEx I would have a huge second mortgage or no home at all, in place of owning my home. I recently had a conversation with a retired teamster. For him and his wife he pays $900 a month and he has 4 years before Medicare. FedEx has doubled max payout to 2 million dollars. Just think if you owed even a quarter million in medical costs.
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Well I went with the middle plan 80/20.
(This worries me a little bit but the 90/10 plan was ridicules.)
Buy up on dental.
Bought the vision plan.
$94.00 a month , I hope I did not screw my family.
(This worries me a little bit but the 90/10 plan was ridicules.)
Buy up on dental.
Bought the vision plan.
$94.00 a month , I hope I did not screw my family.
We took the OAP-1, & the dental buy up...
It certainly is not anywhere near the best out there thats for sure. I feel that FedEx could do a lot better than this.
I would probably feel better about it FedEx still had their benefits department. I was able to obtain info fast and resolve issues. Having to go through Cigna to resolve anything is like talking to dumb and dumber... first you call and get dumb and then they pass you along to even dumber...
It certainly is not anywhere near the best out there thats for sure. I feel that FedEx could do a lot better than this.
I would probably feel better about it FedEx still had their benefits department. I was able to obtain info fast and resolve issues. Having to go through Cigna to resolve anything is like talking to dumb and dumber... first you call and get dumb and then they pass you along to even dumber...
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How much was that a week ?
The deductible for family was like $4500
was it not ? Plus the very high weekly premium .
^ (The whole thing seemed out of line to us.)
The deductible for family was like $4500
was it not ? Plus the very high weekly premium .
^ (The whole thing seemed out of line to us.)
Annual deductible is $250 individual/$750 for the family.
Annual out of pocket Maximum is $1600 individual/$4800 family.
Cost $ 43.85
All together the total cost for everything with Dental & vision is $ 50.54, before the change it was $52.29
Now we will have to meet the deductibles, which are applied to the out of pocket maximum, after that is met they pay 100%. But due to our geographical location doctors and hospitals here always charge what is considered "above the usually and customary charges", and that adds up .
So I expect to pay an above average bill in the case of an medical issue which will now be applied to the out of pocket maximum, whereas before the change there was not a out of pocket max.
So, for us as a family it made more sense to go with the higher cost plan. KWIM?
Since we are already used to the amount being taken out every week the only thing that changes for us really is now we have to pay 10% of our bills till we meet the set deductibles and reach the maximum out of pocket amounts.
Unless I figured something wrong the most it CAN cost for the year is $5550.00 for the entire family.
If you know you are going to incur costs, check out the flex spending account. It allows you to contribute pre tax and thereby save money as well as lower your taxable income. one other nice benefit is that the full amount is available at the beginning of the year so you can plan and pay for major expenses without having to put some on the ol visa card. It amounts to an intrest free loan. The only drawback is if you have any funds left over at the plan end you forfeit them. So, sit down and figure out what you think you might spend and add about 10 percent for a safety cushion. You can always spend it on over the counter medicines or such.
We are enrolled in it. I figured out the lower end that I know we will use up. It is a great resource if used properly.
Thanx for the info though.
fedex_employee
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Smoke,
For the OAP 1 plan:
To see a DR you pay a copay at the office. If you need a specialist you pay 40 bucks. If you need any other hospitalization services and are admitted either inpatient or outpatient you will incur the deductible portion of your insurance. After the deductible is met(250 per person)then you owe 10 percent of the bill.
If you use any DR that is in network, he should makes sure that any hospitalization you receive is at a participating hospital. Charges that are above the reasonable and customary at a participating hospital are negotiated at the customary rate and you are not allowed to pay that excess. This is a deal made by Cigna to encourage you to use an in network hospital. It is always your responsibility to check beforehand that you are using an in network provider. I had this insurance last year and i never had any problems using in network providers.
The only differences between OAP 1, 2 and 3 are the deductibles and co payments you make. If you don't go to the DR very often the OAP2 will be perfect you and if you never go to the DR, OAP3 is even cheaper insurance just in case you need it.
If you use any DR that is in network, he should makes sure that any hospitalization you receive is at a participating hospital. Charges that are above the reasonable and customary at a participating hospital are negotiated at the customary rate and you are not allowed to pay that excess. This is a deal made by Gina to encourage you to use an in network hospital. It is always your responsibility to check beforehand that you are using an in network provider. I had this insurance last year and i never had any problems using in network providers.
I am very sorry but this is so not entirely true.
You can choose a in network hospital and doctor all you want, however some employed at a hospital will be contracted with the hospital and not in your network and you will have to pay the above the usually and customary charges.
If your doctor sends you to your in network hospital but the people involved in your care are contracted by the hospital you will pay the above the usual and customary charges for their services, they are not required to accept only what the insurance pays.
Choosing an in network doctor and hospital absolutely does not keep you from having to pay the above the usual and customary charges to Everyone else who is involved in your medical care and Contracted in the hospital but out of network.
It also is NOT possible to request that everyone who is involved in your care in a medical situation at a in network hospital be in your network.
All hospitals contract employees, it can be the anesthesiologist,radiologist, etc, etc..
They will and do expect the patient to pay them what is deemed above the usual and customary charges for their services. Just saying.
Honestly at this point I am not sure if we will still have to pay the above the usual and customary even after reaching the out of pocket maximums..the info provided is vague in regards to this.
It has been my experience with other companies to still have to pay these even after the Max's were met.
I am very sorry but this is so not entirely true.
You can choose a in network hospital and doctor all you want, however some employed at a hospital will be contracted with the hospital and not in your network and you will have to pay the above the usually and customary charges.
If your doctor sends you to your in network hospital but the people involved in your care are contracted by the hospital you will pay the above the usual and customary charges for their services, they are not required to accept only what the insurance pays.
Choosing an in network doctor and hospital absolutely does not keep you from having to pay the above the usual and customary charges to Everyone else who is involved in your medical care and Contracted in the hospital but out of network.
It also is NOT possible to request that everyone who is involved in your care in a medical situation at a in network hospital be in your network.
All hospitals contract employees, it can be the anesthesiologist,radiologist, etc, etc..
They will and do expect the patient to pay them what is deemed above the usual and customary charges for their services. Just saying.
Honestly at this point I am not sure if we will still have to pay the above the usual and customary even after reaching the out of pocket maximums..the info provided is vague in regards to this.
It has been my experience with other companies to still have to pay these even after the Max's were met.
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Thanks guys for the help.
I'm going to roll the dice and
stay with #2 I just hope we
don't get sick here.
I'm going to roll the dice and
stay with #2 I just hope we
don't get sick here.
fedex_employee
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I hear you Princess. I can not say without doubt you are 100% correct nor I 100% wrong. Every situation is going to be different. I have been involved in 3 different hospitalization procedures and I can only speak from my experiences. I must have had really good luck with my experiences. Everything I ever elected to undergo has been covered up to my %15 co-insurance.
Hope it turns out to be better for all of you in the East, this looks to be our(West's)old plan with a few adjustments.
Hope it turns out to be better for all of you in the East, this looks to be our(West's)old plan with a few adjustments.
fedex_employee
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Smoke,
If you do get sick, your DR visit will be $25.
I even had a sleep study done and if cost me nothing. C-Pap machine will only cost me 15% of price. Your family will be covered if you need it.
Keeping my fingers crossed. LOL
I'm just happy I had my new baby this year and not the coming..