united healthcare

Discussion in 'Roehl' started by goblue, Jun 26, 2013.

  1. goblue

    goblue Road Train Member

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    Grand Prairie, Texas
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    Interested in how our healthcare works here at Roehl. Spent an hour on the phone with UHC this morning and still not entirely enlightened. Looking for some more practical answers in the real world.

    I have a little bit of psoriasis/skin issue that treats out really well with an injection that they administer at the doctors office quarterly.

    So my current dermatologist in Grand Rapids does not participate with UHC and I figure I'm national I'll just get one at the Marshfield Clinic. so I have an appointment with a doc in Marshfield in a few weeks and allegedly a $33 copay for office visit.

    So I know I'm gonna pay the $33 copay but from talking with them I will have to pay the entire charge of everything until I hit the $1000 or whatever in network deductible. I'm just confused about the copay when it seems the insurance is really just a 75/25 plan after meeting the initial deductible.

    also, how about you get sick someday, enuf to see a doctor...how has that worked out for you that have used it. any good tricks or method to the madness. any advice on Marshfield Clinic I have never been there but heard they are good.

    thanks for your time if you can respond. goblue
     
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  3. Bayle

    Bayle Road Train Member

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    Honestly would look into getting your own plan, probably get one cheaper with better coverage. I was charged almost $100 for a pnuemonia shot this year that had always been covered by prior insurance. I am looking for my own now.
     
  4. Scott72

    Scott72 Road Train Member

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    Getting your own if not part of a group can be crazy expensive. I know a couple of retired folks paying over 1K a month just to be insured. Even though it's not the best ins, sometimes being part of a large group is best. I'm facing the same decision here soon. I need family coverage because the wife wants to find a diff job and right now she has our plan.
     
  5. 25(2)+2

    25(2)+2 Trucker Forum STAFF Staff Member

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    the road less travelled
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    We have it where I work, it's plant wide, not just the trucking company.



    I had a weasel policy from Wellmark BCBS for years from when I was farming, they were going to hit me with a big raise for coverage that paid less than this does so I dropped them. I called it a weasel policy because they weaseled out of everything that they could.



    I need to do a few things with screenings, so I guess I'll have to call UHC some more in my case . So far, no real complaints.
     
  6. goblue

    goblue Road Train Member

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    Grand Prairie, Texas
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    Well the delta dental ppo wisc seems to be the otherside of the fence..goin to dentist tommorow no charge.. good plan, better than i had with the city.
     
  7. SmokinBoles

    SmokinBoles Medium Load Member

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    [FONT=Helvetica, Arial, sans-serif]I am deciding which plan to go with as well. I shopped for private insurance which is cheaper for now but was told they raise the rates 5% per year min. Plus they can drop you from what I have heard or make it hard to get bills paid etc. "Weasel Plan

    [/FONT]​

    • If you use a provider in network, the Silver Plan pays 75% of eligible charges. The Gold plan pays 80% of eligible charges. Out of network, the Silver Plan pays 50% of eligible changes and the Gold Plan pays 60% of eligible charges.
    • Annual deductibles: Silver Plan is $1,050 for single and 2 x $1,050 for greater than single coverage. The Gold Plan is $525 single and 2 x $525 for greater than single coverage.
    • The cumulative amount of co-insurance you will pay is capped. $6,500 in network and $13,000 out of network for the calendar year with the Sliver Plan. $3,900 in network and $7,800 out of network for the calendar year with the Gold Plan.
    • Prescription drugs: Silver Plan, after a $65 deductible per person is covered with the following co-pays:
      • Tier I - Generic $12; Tier II - Brand with a negotiated price $40; Tier III - Brand $60
    • Prescription drugs: Gold Plan, after a $50 deductible per person is covered with the following co-pays:
      • Tier I - Generic $12; Tier II - Brand with a negotiated price $40; Tier III - Brand $60

      • GOLD OR SILVER? Wish they offered PLATINUM = 100% coverage after $500 family deductible well care visits no cost and prescription $10.00.
     
  8. technoroom

    technoroom Heavy Load Member

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    They could, but it would probably cost more than your weekly gross.:biggrin_25523:
     
  9. SmokinBoles

    SmokinBoles Medium Load Member

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    I am going on the 7/7 which means my wife and I would pay $105.86 per week. That's $211.72 for the 7 days that I work then 7 off. Looks like your close! About 1/2 NET check if only driving @2200 miles in the 7 on. BUT, I am very excited to drive and not doing this to get rich. Love to drive and know that it's not all easy or fun all the time.

    [TABLE="width: 740"]
    [TR]
    [TH="bgcolor: #E11B23"]GOLD PLAN RATES (per week)[/TH]
    [/TR]
    [TR]
    [TD="class: subhead caps, bgcolor: #666666"]ROEHL DRIVER[/TD]
    [TD="class: subhead center caps, bgcolor: #666666, colspan: 2, align: center"]LESS THAN 12 MONTHS[/TD]
    [TD="class: subhead center caps, bgcolor: #666666, colspan: 2, align: center"]OVER 12 MONTHS[/TD]
    [/TR]
    [TR]
    [TD][/TD]
    [TD="class: subhead center, bgcolor: #666666, align: center"]Non-tobacco[/TD]
    [TD="class: subhead center, bgcolor: #666666, align: center"]Tobacco[/TD]
    [TD="class: subhead center, bgcolor: #666666, align: center"]Non-tobacco[/TD]
    [TD="class: subhead center, bgcolor: #666666, align: center"]Tobacco[/TD]
    [/TR]
    [TR]
    [TD]Single[/TD]
    [TD="class: right, align: right"]$30.59[/TD]
    [TD="class: right, align: right"]$48.59[/TD]
    [TD="class: right, align: right"]$25.59[/TD]
    [TD="class: right, align: right"]$43.59[/TD]
    [/TR]
    [TR]
    [TD]Single + Kids[/TD]
    [TD="class: right, align: right"]$67.48[/TD]
    [TD="class: right, align: right"]$85.48[/TD]
    [TD="class: right, align: right"]$57.48[/TD]
    [TD="class: right, align: right"]$75.48[/TD]
    [/TR]
    [TR]
    [TD]Single + Spouse[/TD]
    [TD="class: right, align: right"]$87.73[/TD]
    [TD="class: right, align: right"]$105.73[/TD]
    [TD="class: right, align: right"]$77.73[/TD]
    [TD="class: right, align: right"]$95.73[/TD]
    [/TR]
    [TR]
    [TD]Family[/TD]
    [TD="class: right, align: right"]$110.67[/TD]
    [TD="class: right, align: right"]$128.67[/TD]
    [TD="class: right, align: right"]$100.67[/TD]
    [TD="class: right, align: right"]$118.67[/TD]
    [/TR]
    [TR]
    [TD="class: subhead, bgcolor: #666666"] [/TD]
    [TH="bgcolor: #E11B23, colspan: 4"][/TH]
    [/TR]
    [TR]
    [TD="colspan: 5"]
    7-On/7-Off drivers pay an additional $18.13/week. 7/4-7/3 and 14/7 drivers pay an additional $7.21/week.
    NY residents have slightly higher rates.
    *Rates are subject to change without prior notification.
    [/TD]
    [/TR]
    [/TABLE]
     
  10. TheTank

    TheTank Heavy Load Member

    Roehl's insurance should be categorized as catastrophic! First plan I have ever had where "co-pay" means AFTER your deductible. With what drivers make, I'll be getting ObamaCare next year and dropping Roehl's insurance. Even if I pay a little more, I will get better insurance than this crap. IMO!
     
    goblue Thanks this.
  11. SmokinBoles

    SmokinBoles Medium Load Member

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    Jun 7, 2013
    Seville, OH
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    Is there anyone that has the insurance and works on the 7 on and 7 off schedule? Just curious to see what others have decided to do.
     
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