10:37 am, March 3, 2015

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  • Family and Mega-Family
    FedUp2012
    My wife and I benefitted from the family plan while we were raising our two children so I don't mind continuing to pay for the same family plan now that they're on their own. However, given that the average family has two or three children, I think there should be "Mega-Family Plan" for those who choose to have a larger family.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Define and justify "larger"
    Moderate
    Define and justify "larger"
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • define....
    Spanky
    define what is in this for you? Your baseless and lunatic arguments reveal you clearly don't have valid arguments and you are just advocating for the insurance industry or you are part of Mr. Snell! Go away and let REAL govt workers have logical and adult talk!
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Define
    Moderate
    Spanky, see comments above. My questions are legitimate, while yours are nonsense. I do not advocate for the insurance industry. I am a government worker not connected to the insurance industry. What makes you think I am part of the insurance industry? What comments do I make where I can profit from them?And who is Mr. Snell? And please be an adult instead of a child with a tantrum.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Two's a couple, three's a family!
    Richard S.
    What I don't understand about my current health plan and this article is that certain medications are deemed to be in separate categories. The different catergories mandate different levels of coverage requiring additional out of pocket responsibilities. If medications can be placed in separate categories why can't there be a self plus one plan? Or, using the theory that a "family plan" covers all situations why can't all medications be treated the same as far as coverage is concerned? Why can't that be spread over the plan participants?
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Because  (Flagged as Abuse)
    Spanky
    Show/Hide Message
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  • Uncensor
    Moderate
    I did not censor Spanky. Whoever did should uncensor him. Although he is obnoxious it is better that he shows his lack of abilities than to censor him.
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Alway 2
    Linda
    I understand why the government doesn't have a self plus one, it make it a lot cheaper to cover those with a lot of kids, like Nike at 7. However, some of us don't have kids and never had kids. Which is why is went with my spouses private sector insurance for years as self plus one. His job covered more of the premiums. Now, however, I want the life time insurance for retirement, so had to purchase. He also changed jobs and his insurance now pays 95% of his and none of mine. As the family plan is so much more, we each just buy our own.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • didn't you commenters read the article?
    Jerry A.
    Self plus one is going to be more expensive than family plans because of all of the costly retirees in the +1 category. Not cheaper, more expensive. Read it again, take a second to think about it, and say "thank you".
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • No they don't read
    contrarian
    Me generation
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Not correct
    YOURCONSTITUENCY
    All retirees are not more expensive to FEHB. At 65, Medicare kicks in as their primary insurance, and FEHB becomes secondary (means FEHB pays only 10-15 percent versus 85-90 percent), while retirees are paying full (unjustified) pricing. FEHB pockets the full family priced premium and pays out - a minimum. It is clear that retirees are paying for all other participant costs, and will continue to do so until FEHB gets off its buff and prices FEHB health premiums fairly. Also, Government Life Insurance is another area which requires a fairer pricing policy. Why is it you see Government reviews of Life Insurance recommending seeking out alternative Life Insurance policies. You can do better on the commercial market any day of the week - get more life insurance for less premium. Here we also see Government inaction in Life Insurance pricing. It is time for the Government to rethink and reprice their Health and Life insurance policies for fairness, a best fit for what peoples incomes are, and that is what I am demanding that they do.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Medicare issue
    Moderate
    You make a good point about medicare. I did not think of that. Contrarian, what are your thoughts about those under medicare?
    worker
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • I am not a medicare expert
    contrarian
    In fact, I'm avoiding the retirement seminar on purpose. But NARFE magazine has had many articles and questions on this. I believe medicare is the primary, but the supplement and drug coverage is huge, and we know that seniors tend to have massive drug costs. I can tell you that even with a family of 4, my usage for years was annual check-ups and colds. Far less than any senior cost.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Why...  (Flagged as Abuse)
    Spanky
    Show/Hide Message
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Neither am I, but...
    Moderate
    I think YOUR made a good point. I will disclose that I am approaching (not reached yet) medicare age. Why should I have to pay an extra premium for medical insurance that I do not really need? I am very comfortable just paying for FEHB family, and not medicare. But, I am forced to take medicare because, it appears based on what I read in the BX brochure, that FEHB reduces its payouts, for those 65 and older, by the amount that medicare would have paid. I do not understand why. I believe we are in the same insurance class as those under 65. Please note that, based on what I read, we do not have to enroll in medicare part D as FEHB drug coverage is sufficient. Yet we must have medicare. Since I am not an expert, I invite corrections from knowledgeable people. -----One more thing, Contrarian. Please watch a retirement seminar. If you do not wish to go to one, order a DVD. It is very important as much information is there. You have your reasons for not going, but the information is important. And good luck when you decide to retire.
    worker
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  • Sign me up for couple insurance
    PJH
    Senior couples who go on Medicare at age 65 have their FEHB insurance relegated to secondary status. Yet they pay the same full family rates as if their Gov-insurance were the primary payer. The FEHB secondary insurers have to be making huge profits off of this. The article has someone saying that seniors have higher health care costs and therefore should pay more. Ok, may be true; but, the cost is not being borne by FEHB. It is being paid by Medicare, in ever-growing numbers. Let's also not confuse the FEHB program with the individual insurance companies that participate in the program. It is a mis-placed loyalty, in my opinion, to say that you want to continue paying high family rates in your old age because you signed up for it when you had 7 children at home. One can change insurance companies every year under FEHB. They profit or not based on their own management and ability to manage risks and investments. It was never mandatory to stay with one insurance provider over the course of one's working life.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }