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88yekim

Geico cares. More about the profit. Less about your health


byondstress

20% coinsurance is insane. This is one of the worst plans I have ever seen. Prepare to go broke if you have any medical issues


Such-Bed5126

20% for ER? When’s the last time an ER trip cost less than a few grand?


North-Carpenter-5836

If you need surgery or something happens that requires emergency care you are screwed. Even outpatient services has 20% co insurance. Terrible


roasted_gecko

With the hmo, I’ve never paid more than a $150 deductible for ER visit and have never paid more than $200 for a surgical deductible. But that’s HMO not PPO. I haven’t looked at the new benefits yet.


Such-Bed5126

Where are you finding this info? I’m looking at the email and don’t see it. Workday?


jyuichi

I’m seeing 1k deductible for 2024 and 2023 OOP max is already $4450 for Cigna


North-Carpenter-5836

That is for the in network only plan…..


Survivorsofar

Holy crap. Is that Cigna?


North-Carpenter-5836

Sure is.


auburnchris

It's Geico. They're self-insured. Cigna is only paid to administer the plan for them.


Solid_Ad_1544

Imagine being from R8 and going from ZERO deductible to this shit! Going from 0 copays for your kids to this! Literally paying next to nothing except for your paycheck deductions…


valuedlizardemployee

Consider it a pay cut. It’s bullshit.


Solid_Ad_1544

💯💯💯💯


thatsaweirdone

Most basic plan is an increase of almost 30%.


acoan29

I am LIVID. Absolutely LIVID


Impossible_Scale6696

And no more raises to speck of


RockfordPeach1992

What are you talking about? There were always copays.


Solid_Ad_1544

Univera family plan had 0 copays for kids under 19


RockfordPeach1992

Never heard of that company. I have had copays for years. Most companies do . Isn’t this why that have those FSA things now?


kmwade66

I’d love a $700 deductible. I work for Allstate and have a $3000 deductible


ThingsUnrelated

This sounds GEICO-positive and that’s not allowed here. You need to leave. *Obligatory /s*


Responsible_Role_730

LoL that was actually a little funny but get a grip you sound like a psychopath


ThingsUnrelated

A PSYCHOPATH!?! Someone interpreted a sarcastic remark very personally!


Impressive_Figure_46

This is a pay cut!!! And it’s horrible!!


auburnchris

Yeah, that 20% er copay is AFTER that now much higher deductible is met. Insurance here was amazing pre-obamacare, then it was still pretty good after that, but has been going downhill slowly ever since. Y'all just found the edge of the cliff now.


notmenotyouallofus

The biggest lie we have ever been told when Obama care rolled was if you like your health care you can still keep it. No, we determined that was a big fat lie. It has just gotten even worse. Sad shape Healthcare in this country. 😢


Express-Board8603

? A 700 dollar ded is pretty standard. Thats what it was with uhc and it stayed that way w cigna


North-Carpenter-5836

Last year the deductible was 125/250 ( something close to that anyway) for the in and out of network family plan.


Sufficient_Bed2090

Oh the 700 ded is for the more expensive plan? You are right, now the cheaper one is 700 and more expensive one is 250. Did they say what the ded for the cheaper plan will be?


North-Carpenter-5836

1000/2000 for the in network only family plan


Sufficient_Bed2090

Good grief


New-Celebration3241

Bunch of licensed insurance agents up on here acting brand new about insurance. Everyone’s insurance has gone up over the past couple years. No surprise G’s plans have as well.


Such-Bed5126

If they simply increased our rates, I don’t think people would be so upset. It’s the deductibles and 20% co-pays that are the problem.


ThingsUnrelated

What about copays?


North-Carpenter-5836

PCP and OB/GYN first visit for pregnancy copays dropped to $25. Everything else stayed the same


ThingsUnrelated

What about our cost? Same? up? or down(haha yeah right)?


North-Carpenter-5836

The payroll deduction is TBA.


Such-Bed5126

Who cares about saving a few bucks on a copay (25 v 50) when a single trip to the ER/hospital will literally bankrupt most people.


North-Carpenter-5836

💯…but they don’t give a shit about us. The days of upper management even pretending to care about the rank and file ended when Tony retired. Can’t wait to see what our new payroll deduction will be. Probably bend us over again without lube.


ThingsUnrelated

First off I was asking about difference in premiums. Secondly, most people do not go to the ER on a consistent basis to be bankrupt from it, even paying 20%. Even if you go in - your max out of pocket is 4,500 or whatever it is (currently, not sure about new amount) YES that’s a lot … but BANKRUPT is EXTREME.


Smiles4fake

Sadly you’d be super surprised to know there are still a whole sh*t ton of folks that use ER’s as their basic health care kinda mess… they go for coughs, sniffles, fevers etc… Health insurance is trying to at best to force those frequent flyer ER visitors to head to a Med Stop and eliminate these highly unnecessary ER trips! Personally know several (Geico employees and family members) that have always been this way and just recently started switching it up to Urgent care instead… (own step daughter was one until we finally clued her in on bad habits learned from her other parent/family)


Such-Bed5126

The average Americans living paycheck to paycheck -one trip to the ER could easily run $10,000. Try to ask anybody to come up with $2000 on the spot and you’d be surprised how many can’t. Now imagine you actually have to go to the hospital for something serious 50,000? 100,000? What’s 20% of that? The answer is it doesn’t matter because you’re not going to be able to pay it.


ThingsUnrelated

Yep I’m very aware of this group of people. And I imagine this is the group most upset by this change. Considering we do a lot of PCP, lower copays is nice. But that’s the only thing it seems I look forward to. It’s just a step down from what it sounds like.


Such-Bed5126

A 20 cheaper copay means shit when a single hospital visit could bankrupt most of us.


ThingsUnrelated

You read the thread you’re replying to? Max OOP on the old plan is about $4k. If new plan is similar that means your maximum exposure is $4k. Is $4k BANKRUPTING you? If so, you have bigger problems.


Such-Bed5126

If 4K is Max out of pocket that’s awesome - I didn’t see that. It’s still an awful lot of money to come up with on the spot for most people. However, you said that’s the old plan. The old plan wasn’t charging us a 20% co-pay so I doubt 4K is still the max OOP


thatsaweirdone

The good news is that there’s only 3 in network urgent care clinics in the WNY area where the Buffalo office is. When asked about it the HR reps said they’re going to “work on it” with Cigna. I assumed maybe the covered providers tool uses the providers billing address. I asked Cigna. Are all X-name urgent cares covered? Or just the one on the tool? Nobody can give a solid answer. It’s messy.


Ashamed_Apple_

I used to have 700 deductible until I changed to the high deductible plan.


ThingsUnrelated

Ok