What's new

FedEx Freight | Cost of healthcare

dsh69 said:
The max out of pocket costs for healthcare with our plan is $3200 for an individual plan or $9600 for a family. If you can't raise that much if you have a major medical problem in one year than you're not saving any cash at all.

Oh, and CT, you'll be happy to learn that FedEx now covers Transgender Reassignment surgery. You may want to schedule that in case FedEx "yanks" it away next year.
Click to expand...

Whatever your out of pocket on your reassignment surgery you need to seek a refund. Apparently they botched your surgery when they sowed you a dick for a head.
 
Last edited:
dsh69 said:
Woah! What? YRC pays THIRTY THOUSAND DOLLARS for your healthcare per year? Holy carp!! No wonder they are in the toilet!! That is an astronomical amount and perfectly exemplifies why union "Cadillac Plans" were exempt from paying the Obamacare tax!!

How about if YRC offered you an extra $1,000 a month in income if you accepted a lower coverage? Just asking to see if people would negotiate such an outlandish amount for healthcare.

Does this not bother anyone else? Just accept the fact your union is paying $30k A YEAR in coverage for one family?

Hell, give me $12K and I'll self-insure!!!!!
Click to expand...
1st off, the Union is NOT paying anything for insurance. The Companies pay it, as a negotiated benefit. 2nd, that number (30k) seems significantly high. Never seen any proof of that. The $5-$8/hour number has been mentioned before and sounds more realistic.

Once upon a time, we had coverage that was nearly on par with Union coverage. Also, once upon a time, we had zero cost for family coverage. It was a significant benefit. While our coverage systematically "changed", Union carriers maintained their contractually obligated coverage. When talk of reduced wages at Union companies comes up, few mention the value of their benefits, including retiree healthcare.

Your $12k option to self insure is probably not enough, for a family. I haven't check lately, but is sounds like a break even proposition, at best. A roll of the dice.

Just for kicks, here's a trip down memory lane, and some examples of the progression of our "plans":

D9sayxh.jpg
 
dsh69 said:
The max out of pocket costs for healthcare with our plan is $3200 for an individual plan or $9600 for a family. If you can't raise that much if you have a major medical problem in one year than you're not saving any cash at all.

Oh, and CT, you'll be happy to learn that FedEx now covers Transgender Reassignment surgery. You may want to schedule that in case FedEx "yanks" it away next year.
Click to expand...

I'm glad you're not bright enough to realize the difference in a good health care plan and what we have, but don't be mad that others see our plan for what it is. Funny you even know about the transgender program, seems you have been looking into it, how else would you know about it? :biglaugh:
 
Crazy Trucker said:
I'm glad you're not bright enough to realize the difference in a good health care plan and what we have, but don't be mad that others see our plan for what it is. Funny you even know about the transgender program, seems you have been looking into it, how else would you know about it? :biglaugh:
Click to expand...
Ummm, perhaps because I can read. Obviously you've not bothered to look at the plan summary.

And if everything was covered 100% that would be fine with me. However, Obamacare wrecked that.

Unless you were on a union plan that was exempted.
 
dsh69 said:
Ummm, perhaps because I can read. Obviously you've not bothered to look at the plan summary.

And if everything was covered 100% that would be fine with me. However, Obamacare wrecked that.

Unless you were on a union plan that was exempted.
Click to expand...

You can read but not everyone is single, 3200 sounds great if you're only looking at it for an individual in network, out of network is 9500. There are better plans look at the guy from Pitt that posted in this thread. They are a much smaller company but yet have a much better plan.
 
Crazy Trucker said:
Dam that's pretty good coverage. Kind of funny fed ex can't afford to give us better coverage than what we have.
Click to expand...
If you remember back to when we switched from our ppo to this high deductible plan Fred Smith said the cost of health care is out pacing the growth in revenue so they decided to pass more of the cost onto the employees. It isn't that they can't afford to give us better insurance, it is they want more profits for the corporation. All in all our coverage isn't bad. There is much worse out there, but there is also much better!
 
Crazy Trucker said:
You can read but not everyone is single, 3200 sounds great if you're only looking at it for an individual in network, out of network is 9500. There are better plans look at the guy from Pitt that posted in this thread. They are a much smaller company but yet have a much better plan.
Click to expand...
I only found a little info on Pitt and not sure if it's still current but:

1. Pitt doesn't pay overtime until you've been there for 3 years. After that they pay OT after 40
2. Pitt health coverage:

Dental is available after 1 year. $25 doctor visits with no deductible for other coverage. Insurance pays 90% with out of pocket max's at something like $1000/$2000 for single/family before insurance covers 100%.

Seems if I work a little overtime each day I can more than cover what Pitt "pays for". And, you know, come to think of it, since I started at FXF I've been to the doctor, my PCP, about 5 times. NEVER have they charged me a copay. I haven't brought it up, and they haven't sent me a bill :)
 
dsh69 said:
I only found a little info on Pitt and not sure if it's still current but:

1. Pitt doesn't pay overtime until you've been there for 3 years. After that they pay OT after 40
2. Pitt health coverage:

Dental is available after 1 year. $25 doctor visits with no deductible for other coverage. Insurance pays 90% with out of pocket max's at something like $1000/$2000 for single/family before insurance covers 100%.

Seems if I work a little overtime each day I can more than cover what Pitt "pays for". And, you know, come to think of it, since I started at FXF I've been to the doctor, my PCP, about 5 times. NEVER have they charged me a copay. I haven't brought it up, and they haven't sent me a bill :)
Click to expand...
Pitt has such a great health plan cause the brothers that own it bought their fathers union ltl company out back in the 90's. They promised the union drivers they would keep the insurance if they stayed on. Pitt is a good place to work but they do not extend that insurance to any of their sister companies ECM, Dorhn, US Cargo or Martera their mechanics.
 
chitownpeddler said:
If you remember back to when we switched from our ppo to this high deductible plan Fred Smith said the cost of health care is out pacing the growth in revenue so they decided to pass more of the cost onto the employees. It isn't that they can't afford to give us better insurance, it is they want more profits for the corporation. All in all our coverage isn't bad. There is much worse out there, but there is also much better!
Click to expand...

Good post. Anyone want to bet that our premiums raise this year?
 
Crazy Trucker said:
Good post. Anyone want to bet that our premiums raise this year?
Click to expand...
Only thing that will make our premiums go down at this point is to get rid of Obamacare. The BS that it FORCED every company to cover is what drove up premiums.

My GF had Obamacare from the beginning. It started out at $30 a month. Not bad!!! For 2018 they wanted close to $400 a month!! Thankfully Trump ended the Mandate so she just told them to take a hike. Her income hadn't changed at all.

And of course our premiums will go up this year. I think last year mine went up a buck. I retaliated by not buying a cup of coffee a week in the snackbar.
 
SwampRatt said:
1st off, the Union is NOT paying anything for insurance. The Companies pay it, as a negotiated benefit. 2nd, that number (30k) seems significantly high. Never seen any proof of that. The $5-$8/hour number has been mentioned before and sounds more realistic.

Once upon a time, we had coverage that was nearly on par with Union coverage. Also, once upon a time, we had zero cost for family coverage. It was a significant benefit. While our coverage systematically "changed", Union carriers maintained their contractually obligated coverage. When talk of reduced wages at Union companies comes up, few mention the value of their benefits, including retiree healthcare.

Your $12k option to self insure is probably not enough, for a family. I haven't check lately, but is sounds like a break even proposition, at best. A roll of the dice.

Just for kicks, here's a trip down memory lane, and some examples of the progression of our "plans":

D9sayxh.jpg
Click to expand...

Most of us in the corporate world had great insurance until Obamacare was passed. Then the corporations got all spooked because of the limit they could spend per employee without having to pay the Obamacare "Cadillac Tax". They had no choice but to limit benefits and pass on additional costs to employees.
 
dsh69 said:
Most of us in the corporate world had great insurance until Obamacare was passed. Then the corporations got all spooked because of the limit they could spend per employee without having to pay the Obamacare "Cadillac Tax". They had no choice but to limit benefits and pass on additional costs to employees.
Click to expand...

So you're in management?

Let's be be real, Fedex slashed their plan well in advance of the deadline, and they are no where even close to being considered a Cadillac plan. It was simply an excuse to make more money for the shareholders and cut employee benefits. The proof will be when Congress is finished chipping away at Obama care and your benefits don't return despite their huge corporate tax break.
 
Last edited:
dsh69 said:
Only thing that will make our premiums go down at this point is to get rid of Obamacare. The BS that it FORCED every company to cover is what drove up premiums.

My GF had Obamacare from the beginning. It started out at $30 a month. Not bad!!! For 2018 they wanted close to $400 a month!! Thankfully Trump ended the Mandate so she just told them to take a hike. Her income hadn't changed at all.

And of course our premiums will go up this year. I think last year mine went up a buck. I retaliated by not buying a cup of coffee a week in the snackbar.
Click to expand...

Listen you can blaim Obamacare all you want, but the fact is a lot of companies like us with much better plans have not seen an increase in premiums or a decrease in coverage like us. The company is doing pretty well time to reinvest in their workforce. You're fight for mediocrisy is sad.
 
chitownpeddler said:
If you remember back to when we switched from our ppo to this high deductible plan Fred Smith said the cost of health care is out pacing the growth in revenue so they decided to pass more of the cost onto the employees. It isn't that they can't afford to give us better insurance, it is they want more profits for the corporation. All in all our coverage isn't bad. There is much worse out there, but there is also much better!
Click to expand...
It’s my understanding, and research shows, that when employees have skin in the game they tend to take better care of themselves in order to save money, which in turn saves the company money, and hopefully leads to a healthier workforce.
 
SwampRatt said:
1st off, the Union is NOT paying anything for insurance. The Companies pay it, as a negotiated benefit. 2nd, that number (30k) seems significantly high. Never seen any proof of that. The $5-$8/hour number has been mentioned before and sounds more realistic.

Once upon a time, we had coverage that was nearly on par with Union coverage. Also, once upon a time, we had zero cost for family coverage. It was a significant benefit. While our coverage systematically "changed", Union carriers maintained their contractually obligated coverage. When talk of reduced wages at Union companies comes up, few mention the value of their benefits, including retiree healthcare.

Your $12k option to self insure is probably not enough, for a family. I haven't check lately, but is sounds like a break even proposition, at best. A roll of the dice.

Just for kicks, here's a trip down memory lane, and some examples of the progression of our "plans":

D9sayxh.jpg
Click to expand...
Back when we were American Freightways we had pretty good insurance at zero cost to employees....the good old days!!
 
Redracer3136 said:
It’s my understanding, and research shows, that when employees have skin in the game they tend to take better care of themselves in order to save money, which in turn saves the company money, and hopefully leads to a healthier workforce.
Click to expand...
Agreed, but nothing can compensate for age and repetitive stress injuries. Also family health is a factor when considering coverages.
 
You must log in or register to reply here.
Top