December 2007 Weddings
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Hi, I'm furious.
Hi ladies! Haven't checked in to much lately so I hope everyone is doing well! I just have to vent that I'm FURIOUS about the new benefits plan that will go into effect at my work next year. FURIOUS. It's supposed to be the first step in moving toward the 2014 healthcare reform. I don't feel comfortable posting details online, but let me just say, it SUCKS. BAD. (REALLY BAD). We're going to have to sit and go over everything, like calculating a sample year, between our two plans in more detail than ever before.
Is anyone else going through a big benefits change this year?
Re: Hi, I'm furious.
Baby #2 - D&E - 10/1/10 @ 19w2d - thanatophoric dysplasia confirmed.
Charlotte Lillian will be forever in our hearts.
Baby #3 - Little Bean - natural miscarriage - 1/17/11 @ 5w5d
Ditto. Our open enrollment is in Nov, but they are 'preparing' us now because we have a health test and surveys to complete to qualify for some of the new plans.
ours changed last year. we went from pretty much 100% covered on everything to 80/20. it sucks big time. we've spent so much more this year in medical costs than ever before.
i hope there's not more changes this year
Im so sorry to hear that! I never liked or wanted the healthcare reform or whatever people want to call it to ever go into effect. I think it will make everything worse, obviously.
This whole healthcare thing completely confuses me honestly. You hear good and bad things about it but cant figure out if they are true or false. Its very frustrating.
Kel - like I said on FB. It needs to be changed. The system is way too flawed but unfortunately I don't see a good way to fix it.
And I think that people need to be accountable for their healthcare. Having things covered 100%, people never knew how much things cost and weren't making decisions based on that. Not everyone, but a lot of people were having things that weren't medically necessary just because they are covered and then the rest of us have to pay because of those higher claims though our premiums. It stinks but that is what happens. Everyone is to blame, but now unfortunately, the people that don't use the system as much will be the ones that suffer for a while. But I know that eventually, it will get better - it has to!
And Lauren - count yourself lucky that you had 100% at all. 80/20 or even 70/30 is a pretty standard in the benefits world.
Baby #2 - D&E - 10/1/10 @ 19w2d - thanatophoric dysplasia confirmed.
Charlotte Lillian will be forever in our hearts.
Baby #3 - Little Bean - natural miscarriage - 1/17/11 @ 5w5d
People can have different thoughts about it, but I'm still very unhappy. Healthcare and which tests should be done, which doctor to see, etc, ideally should not be decided by price but by necessity and quality.
I know the system is flawed and I know that something needs to be done. I even have ideas about alternatives but unfortunately I'm no politician so that goes no where. I think the way this is going is awful and 'healthy' people who utilize the system less are being punished because of people who abuse the system. Unfortunately, I'm required to have insurance so I have to sink my hard-earned $$$$ into a system I don't believe in. Great.
And I completely agree with you.
What tests you need and which doc to see should be your choice. You can choose what to have rather than being told where you have to go and what tests you need to have done. Unfortunately, a lot of tests that people have are medically un-necessary and are only having them because 1-they request them or 2-the doc is trying to cover their a$$ and not get sued. If you want to have a certain test because it will give you piece of mind or whatever, then go for it. I would never deny someone wanting to get something done. But I also believe that you should have to pay for it (one way or another - higher premiums, deductables, etc) Why should I have to pay higher premiums next year because your claims are though the roof because you are getting tests that you don't really need or going to a higher priced place to get those services when if you went to a different facility it would be half the price? But that is exactly what happens.
And I also agree with you that the healthy people will get screwed for a while in figuring the best way to do things. Healthy people already get screwed, because I pay the same premiums, deductibles and out of pocket expenses as the person with 1Mil in claims. There is no benefit for me if I don't use the services.
I said that I thought your company did things messed up and went all gangbusters when they probably could have phased things in a little better. I understand why you are upset, and yeah if my company did that to me, I would be upset too. But I have the unique perspective of having worked in benefits and seeing it from the companys perspective as well as the employee perspective and then working at a hospital and seeing how the reimbursement side works and what happens with insurance companies.
Unfortunately there is no easy fix and I'm not sure there will be a right way to fix the system or if it will ever be truly fixed. I think costs have just gotten so out of control that unless drastic things are done, there really won't be significant changes made and we will be back in this same mess.
Baby #2 - D&E - 10/1/10 @ 19w2d - thanatophoric dysplasia confirmed.
Charlotte Lillian will be forever in our hearts.
Baby #3 - Little Bean - natural miscarriage - 1/17/11 @ 5w5d
Yea, I think they really screwed up with going whole-hog on this one. At work today the big topic of discussion is everyone is planning to try to get appts done in December on the current plan before it runs out. That makes me wonder if I should do the same? Every 2 years I have to see a neurosurgeon and get a CT scan done and my next one is supposed to be in May of next year. When the deductible is $500, no big. When it's $2000, um, yea that's something I'm going to have to plan for.
I think the flaws in this plan are already making themselves clear. People are already saying they will just not go to the doctor, unless they're deathly ill. While that will save the insurance company some $$$ it doesn't promote a healthy lifestyle.....which is the official line on what this plan is supposed to accomplish, it's just people ignoring their health problems.
::sigh::