Do the plans seem a little ... California slanted?
I'm looking over our options and it never ceases to amaze me that Kaiser is much cheaper and has better benefits. But only available for the Californians.
Seems a bit lopsided. What am I missing?
8 replies (most recent on top)
Thanks to this great, expensive plan all of the Drs my family have had for 15+ years are no longer covered. ... But I'm sure chuckie boy and incompetent fran can find another few benefits to cut or move to 7-11 so that they can continue to monkey around with numbers to cover the lack of sales. These two clowns are still of the opinion you can LR your way into profitability.
How long have you been w/ Cisco? Their health benefits have long been a choice of Cigna & UHC HSPS or PPO plans and Kaiser/something else for those in CA. Nothing has changed other than the premium costs, deductibles or Cisco contributions to your HSA account.
If you've been with your Dr's for 15+ yrs, why did you change plans from whatever plan you were previously on? Or if you're a new hire, it's typical to end up having to change doctors when you change medical plans with a new employer. And, if you're a new hire, why would you come to work for Cisco if you thought Chuck & Fran are incompetent? Your whole post sounds like a troll or someone just wanting to stir up the p-t.
Not all Cisco employees living in CA have access to Kaiser. My HQ is SJ and we recently moved to San Benito County. I didn't know this at the time, but we were forced to change medical providers since Kaiser does not cover San Benito County.
Thanks to this great, expensive plan all of the Drs my family have had for 15+ years are no longer covered. If I wanted to swap to the socialized medicine choice of kaiser I could find a k-mart doctor to get in to see in 3 months but right now I'm stuck with hitting the doc in the box until I can find and get an appointment with another decent provider. But I'm sure chuckie boy and incompetent fran can find another few benefits to cut or move to 7-11 so that they can continue to monkey around with numbers to cover the lack of sales. These two clowns are still of the opinion you can LR your way into profitability.
As others have said, Kaiser are both an HMO and a system of hospitals, clinics and doctors which allows them to control their costs.
But if you look at what you get, vs. what I'm paying now as a contractor with a company, it's a he-l of a deal. My previous FTE roll after leaving Cisco in '16 cost me $101.76 per bi-weekly pay period for my wife and I on a high deductible plan/HSA plan. I'm currently paying $146.84 per week ($293.68 per bi-weekly pay period in Cisco costs). Compare that to last year's Cisco cost of $90.10 per bi-weekly pay period for a high deductible/HSA plan. Your costs for 2022 are less than my FTE employee costs were back in 2017 for the same coverage, but with a higher total deductible and less employer HSA contribution to boot.
You guy's have it made. If you don't like the benefits, I'll gladly take them.
Because Kaiser is an HMO specific to certain states.
Well, Hawaii too. Actually...
The cost of healthcare outside of CA higher. The cost of no longer living in that crazy state, priceless.
Kaiser are both an HMO as well as a system of hospitals, clinics, etc...Therefore, the plans are much lower cost than the ones available outside of California. It's about the only thing I miss about moving from California...the higher cost of healthcare.