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Early Retirement

^     All messages            52261-52276 of 52276  52245-52260 >>
52276
in with the incrowdPerson was signed in when posted
07-25-2014
09:55 PM ET (US)
Your health insurance premiums are not going up...Obama has stated numerous times that healthcare premiums would drop an average of $2500 per year for all citizens..
52275
Cali to ColoPerson was signed in when posted
07-25-2014
09:29 PM ET (US)
Danno, no new early out rumors for a few days.
52274
My2CentsPerson was signed in when posted
07-22-2014
09:35 AM ET (US)
Cali, Employee's share of Kaiser HMO in 90's when you were in SoCAL was pretty low. It's only about 60% of what people in NoCAL pays for Kaiser even now. Employee's share of Kaiser HMO started to jump 8-9 years ago, then the last 3-4 years it really gone up big time. Well, everything and anything related to health ins has shot up through the roof anyway.
52273
Cali to ColoPerson was signed in when posted
07-22-2014
01:52 AM ET (US)
My2Cents, I had Kaiser for 11 years out in Southern Cal. and was very pleased with it. But I had co-workers and friends who had some negative experiences with Kaiser.
52272
konoctiguyPerson was signed in when posted
07-22-2014
01:27 AM ET (US)
BCBS Basic has no deductible. Works well for me. In my area NALC does not have many providers. Also no HMO's.
52271
My2CentsPerson was signed in when posted
07-21-2014
11:31 PM ET (US)
egark, I wrote what I know about PPO and why I chose HMO, then asked to correct (if I'm wrong).

BB, as you said, I pray not to get sick, convenience is one of the deciding factors as well. You may not be able to chose the doctor you want. Then, how would you know which is the RIGHT doctor for you? I have had a few doctors chosen for me by Kaiser, most were great doctors with great care and knowledge, never experienced any problem. They moved out of the area or retired, had to change different doctor a few times, still good ones. Ease of seeing one when needed is a big factor why I chose Kaiser, not to mention I live two blocks from one.
Edited 07-21-2014 11:33 PM
52270
Boss BasherPerson was signed in when posted
07-21-2014
11:15 PM ET (US)
Danno: NO, you no longer have to fill out Claim Forms with Superbills attached, to get refunds from (up-front) payments under the NALC Health Benefit Plan. I was with them in the 70s and through the 80s (not knowing any better), and that was a MAJOR pain in the ass.

ANY Plan is OK, if you don't get sick or have any health issues. But in the 80s, I was married, we had two children, and I DID acquire a few health issues (which turned into Sagas, due to maltreatment by several Doctors), so I was filling out NALC Claim forms, attaching Superbills, and sending Claims off almost every WEEK, for years. The THOUSANDS I had to front, out of pocket, nearly caused me to lose my house, etc.. - Two years, I actually qualified for the IRS Deduction for Health expenses (AFTER reimbursement from Insurance), which is almost impossible to do.

NALC DID get away from that system, and they switched to what nearly everyone else does now - just an I.D. card, like a Credit Card. But, I have Blue Cross, with Medicare as my Primary, and I pay nearly NOTHING each year now - except for PRESCRIPTIONS.

My experience with HMOs totally sucked. Can't pick the Dr. you want, can't switch if he's a Loser, everything is a damn FIGHT - every single TEST has to go up for Prior Approval, takes WEEKS or months to get it - I could write a book. If you feel you've been treated poorly, your only recourse is their "In-House" Appeals Process (LOL good luck), or - write a Snail Mail letter to Washington, D.C., wait 4 months for a Reply, and the Reply is - (of course) - directing you to file an Appeal through the HMO again. Yeesh - makes you wanna commit Seppuku. Never again. Friends of mine experienced likewise. Again, if you don't get sick, you never find out any of the bad stuff.

None of the Plans we are offered in FEHBP have "Caps", or lifetime limits, on coverage, but SOME have some pretty mean Exclusions, and incredibly high Co-Payments for certain Services, so put aside some time, sit down, get Online, and BOOK UP on all the features of any Plan you're interested in. OK to ask your friends, but to make an INFORMED decision that meets YOUR needs, get ready to INVEST a few HOURS in reading about it.

Otherwise, just roll the dice and live with the outcome....and pray that you don't have a heart attack, or need an organ transplant.
52269
egarkPerson was signed in when posted
07-21-2014
09:13 PM ET (US)
My2Cents /m52268 - if you "don't know a lot about PPO plans" how did you possibly make the decision to like an HMO? You ask what happens when someone gets very ill, and is there a cap. If you don't know the answers to these questions, how did you decide an HMO is better?
Edited 07-21-2014 09:25 PM
52268
My2CentsPerson was signed in when posted
07-21-2014
09:08 PM ET (US)
/m52265 I didn't check, but I believe any plan has different premium depending on where you are. Retiree's share for health ins for Kaiser in Oregon(not sure if they have one or many in OR) is much lower than one in No CAL. Any plan in No CAL is very expensive.

I personally like HMO. With PPO like BCBS or NALC, you're required to pay percentage of the cost. What happens you or your family member gets very ill, needing very expensive surgery? Are there any cap, or you'll have to pay fixed 20% or so of the actual cost? With HMO, you pay higher premium, but there's fixed cap you're required to pay. That's what insurance is for, IMO.

I don't know a lot about PPO plans, please correct me.

Either way, I'll change my Kaiser plan from standard to basic coming open season.
Edited 07-21-2014 09:10 PM
52267
PostalhoopsPerson was signed in when posted
07-21-2014
09:02 PM ET (US)
No not at all but I do remember that . I at the time switched over to bcbs . But like I said the last 10 15 years been with nalc . Have Been happy knock on wood no major health issues.
52266
Dannofrom50Person was signed in when posted
07-21-2014
05:18 PM ET (US)
/m52265 P.H. Does the nalc insurance still require you to fill out forms every doctor or dental visit to get your overpayment back after each visit? It took FOREVER to get a refund. I had it for one year in the 80's while carrying, but dropped it the next open season. Too annoying.
52265
PostalhoopsPerson was signed in when posted
07-21-2014
03:55 PM ET (US)
What nobody has nalc I've had it for about 10 years now pretty happy and in retirement only 327 monthly.
52264
the_mechanicPerson was signed in when posted
07-21-2014
01:39 PM ET (US)
I have heard that Salem OR area has Kaiser plans. check out this wikipedia link: http://en.wikipedia.org/wiki/Kaiser_Permanente
52263
My2CentsPerson was signed in when posted
07-21-2014
10:10 AM ET (US)
I hope you guys are happy with BCBS. I'm happy with HMO, Kaiser, but only the premium I pay. I'm looking to move to somewhere else, but it's really hard to choose another state. Families, city or suburb, rural area, proximity to hopitals, too many things to consider, but I'm oving. Too costly to live in NoCal. Even SoCal cost less than here!

I'll have to change my Health Ins coming open season no matter what, probably to basic Kaiser, then we'll look into it once we're settled down in another state. Oct is my last with USPS.
52262
Cali to ColoPerson was signed in when posted
07-21-2014
08:21 AM ET (US)
Reality, kind of a carry-over of divorces. Both of us are going to keep our insurances when employed. He will get full company paid insurance for four months after he retires, then he will be only on my plan. I hope BCBS does give us the self and spouse choice as mentioned. Prices should go up, just because they will surely lose revenue with that.
Edited 07-21-2014 08:25 AM
52261
Reality checkPerson was signed in when posted
07-21-2014
07:51 AM ET (US)
Cali, Why isn't your husband on your plan, if his deductible is so high?

My2cents, Good luck retiring on a FERS pension in California. Yikes! Unless you have a spouse bringing in big bucks, I can't think of two states that are more deadly for a FERS retiree: New York, and California! Of course if you live way upstate like RIKSNY, you could swing it. But downstate New York, where I live, NO WAY! Also you should think about switching your health coverage, to BC basic. After all, you're going to need all the money you can get if you plan on living in California. Good luck, you're going to need it!
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