GlockTalk.com
Home Forums Classifieds Blogs Today's Posts Search Social Groups



  
SIGN-UP
Notices

Glock Talk
Welcome To The Glock Talk Forums.
Reply
 
Thread Tools Display Modes
Old 10-10-2013, 07:30   #1
DanaT
Pharaoh
 
DanaT's Avatar
 
Join Date: Feb 2005
Location: CO & Baden –Württemberg
Posts: 15,829
Blog Entries: 1
Cancelling Employees Healthcare

This week has been bad news for me from my HR Director.

She has been dealing with the fallout from Obamacare.

So a little background. Most of the company's employees are in Germany but also German so this doesnt affect them. However the portion of the company in the USA is considered a small business.

Although Obama promised that we could keep our insurance and doctors, it seems that BCBS seemed to think otherwise and sent us the letter last month that our insurance plan was cancelled.

So, the company was forced into the insurance exchange for the USA employees. Well, it seems there are some "catches". First catch, no employee who makes over $50K is eligible for anything over the "bronze" (lowest level) of insurance. For this level, insurance has went from $600/month with BCBS (with a decent plan) to $1400 for almost no coverage.

So, now we are working with an insurance broker to find us something. His recommendations: drop all health coverage for employees. We are exempt from penalties for FY2014 and they will be small for FY2015. After that, he said it is cheaper to pay the penalties than offer insurance.

We had the idea of increasing salary by $600 a month to allow them to purchase the same amount we were paying for last year. The broker recommended against this because then FICA, unemployment, workers comp, etc are all tied to this.

Basically, the advice that we were given is that he would find individual plans for the upper people and then if the employees want the insurance they can pay for that or go on the individual health exchange.

Basically, we are being told as a business to tell the employees "screw you" and worry about this yourself.

All of our tax/insurance advisers are telling us to have all employees under $50K as part time (29 hours and under) and then offer no insurance. Anyone making under $25/hr they are saying should have hours cut by 11hrs/week with no possibility of overtime. We are being told it is cheaper to hire extra part time people.

Over $50K it doesnt seem to matter because that is the "threshold" where the business/individual cant avoid being screwed.

This is just amazing..
__________________
Quote:
Twice a week? 14 times a month?
Quote:
2x4=8, not 14.
Many of the truths that we cling to depend on our point of view.
DanaT is offline   Reply With Quote
Old 10-10-2013, 07:36   #2
series1811
CLM Number
Enforcerator.
 
series1811's Avatar
 
Join Date: Apr 2003
Location: Retired, but not expired.
Posts: 14,311
I'm amazed that so many people who voted for Obama and supported Obamacare didn't see this coming.

How dumb can you be?
__________________
I sure miss the country I grew up in.
series1811 is offline   Reply With Quote
Old 10-10-2013, 07:40   #3
Cubdriver
Senior Member
 
Cubdriver's Avatar
 
Join Date: Aug 2005
Location: Southeastern Litchfield County, CT
Posts: 1,695
Quote:
Originally Posted by series1811 View Post
I'm amazed that so many people who voted for Obama and supported Obamacare didn't see this coming.

How dumb can you be?
He got voted in again, didn't he? Obviously a lot of people can be more dumb than we give them credit for...

-Pat
__________________
Speed has never killed anyone. Suddenly becoming stationary… that's what gets you.. (J. Clarkson)
Cubdriver is offline   Reply With Quote
Old 10-10-2013, 08:05   #4
captainstormy
Senior Member
 
captainstormy's Avatar
 
Join Date: Jul 2007
Location: Columbus, Ohio
Posts: 3,939
Send a message via ICQ to captainstormy Send a message via AIM to captainstormy Send a message via Yahoo to captainstormy
I'm not surprised at all, but so many people are for some reason.

Currently in 2013 I have very good coverage. I get Health, Prescription, Vision and Dental with great coverage (100% Preventative, most other things covered at 60-80%, prescriptions never cost me more than 20) and for all of it I pay less than 100 a month for just myself.

I just got married this year, but if I had added my wife (who has her own, pretty good but not as good insurance) the cost per month would have been 250 per month.

For 2014, all either of our companies are offering are HSA (Health Savings Accounts). Which IMO are terrible. It's pretty much just putting money into a savings account to pay the doctors, the only advantage over doing it yourself is that it's pretax income going in instead of post tax. Granted there is a max out of pocket (of like 6 grand) so the most you'll ever have to spend in a year is 6K. Course the government only allows you to put 3300 into the account per year.

I've been trying to see what's available on the exchange out of curiosity but they can't even keep the website running.
__________________
I won't be wronged. I won't be insulted. I won't be laid a-hand on. I don't do these things to other people, and I require the same from them. - John Bernard Books(John Wayne in The Shootist)

Last edited by captainstormy; 10-10-2013 at 08:06..
captainstormy is offline   Reply With Quote
Old 10-10-2013, 07:52   #5
Flying-Dutchman
Senior Member
 
Flying-Dutchman's Avatar
 
Join Date: Oct 2007
Posts: 4,076
Quote:
Originally Posted by series1811 View Post
I'm amazed that so many people who voted for Obama and supported Obamacare didn't see this coming.

How dumb can you be?
They were told healthcare would be free.

Pelosi said free health insurance would allow you to become an artist.
Flying-Dutchman is offline   Reply With Quote
Old 10-10-2013, 07:57   #6
DanaT
Pharaoh
 
DanaT's Avatar
 
Join Date: Feb 2005
Location: CO & Baden –Württemberg
Posts: 15,829
Blog Entries: 1
Quote:
Originally Posted by Flying-Dutchman View Post
They were told healthcare would be free.

Pelosi said free health insurance would allow you to become an artist.
But think about it. They didnt lie. It will be a free for the company. We are cancelling their insurance and in effect lowering their pay.

Its just not free for employees...
__________________
Quote:
Twice a week? 14 times a month?
Quote:
2x4=8, not 14.
Many of the truths that we cling to depend on our point of view.
DanaT is offline   Reply With Quote
Old 10-10-2013, 08:33   #7
Mr981
Senior Member
 
Mr981's Avatar
 
Join Date: Dec 2000
Location: N. Central OH
Posts: 2,103
Send a message via Yahoo to Mr981
Quote:
Originally Posted by DanaT View Post
But think about it. They didnt lie. It will be a free for the company. We are cancelling their insurance and in effect lowering their pay.

Its just not free for employees...
An Obamacare horror story--to which I'll add another:

My wife's best friend is a tech at a vet clinic;she does'nt get paid
a lot and had her hours cut due to obama car and her minmal
Health care cover provided by her vet has been cancelled.

Now she finds out the gov.plan for her will cost $300/month or
or pay s fine that will be $600/year in 2015.

So, she's lost her coverage, part of her wages and will end
uppaying a fine because she csn't afford obamacare.
BTW--she voted for him.
Mr981 is offline   Reply With Quote
Old 10-10-2013, 13:41   #8
Cubdriver
Senior Member
 
Cubdriver's Avatar
 
Join Date: Aug 2005
Location: Southeastern Litchfield County, CT
Posts: 1,695
Quote:
Originally Posted by Mr981 View Post
An Obamacare horror story--to which I'll add another:

My wife's best friend is a tech at a vet clinic;she does'nt get paid
a lot and had her hours cut due to obama car and her minmal
Health care cover provided by her vet has been cancelled.

Now she finds out the gov.plan for her will cost $300/month or
or pay s fine that will be $600/year in 2015.

So, she's lost her coverage, part of her wages and will end
uppaying a fine because she csn't afford obamacare.
BTW--she voted for him.
I felt sorry for her up until I read the last line. Then all sympathy evaporated.

-Pat
__________________
Speed has never killed anyone. Suddenly becoming stationary… that's what gets you.. (J. Clarkson)
Cubdriver is offline   Reply With Quote
Old 10-11-2013, 22:47   #9
Gray_Rider
Senior Member
 
Gray_Rider's Avatar
 
Join Date: Jun 2009
Location: Jacksonville Fla.
Posts: 1,434
Blog Entries: 1
Quote:
Originally Posted by Mr981 View Post
An Obamacare horror story--to which I'll add another:

My wife's best friend is a tech at a vet clinic;she does'nt get paid
a lot and had her hours cut due to obama car and her minmal
Health care cover provided by her vet has been cancelled.

Now she finds out the gov.plan for her will cost $300/month or
or pay s fine that will be $600/year in 2015.

So, she's lost her coverage, part of her wages and will end
uppaying a fine because she csn't afford obamacare.
BTW--she voted for him.
BTW--She and all the other damnocrats who voted this community organizer into the the Whitehouse (twice) along with all the Republican voters who sat on their duffs and let it happen are getting what they deserve.

Sadly, the rest of America has to share the same manure sandwich with them!
__________________
Deo Vindice!
We warned you in 1862!

Last edited by Gray_Rider; 10-12-2013 at 01:03..
Gray_Rider is offline   Reply With Quote
Old 10-15-2013, 08:23   #10
Hej Hej
Senior Member
 
Join Date: Dec 2012
Location: Chesterfield, MO.
Posts: 550
Quote:
Originally Posted by Mr981 View Post
An Obamacare horror story--to which I'll add another:

My wife's best friend is a tech at a vet clinic;she does'nt get paid
a lot and had her hours cut due to obama car and her minmal
Health care cover provided by her vet has been cancelled.

Now she finds out the gov.plan for her will cost $300/month or
or pay s fine that will be $600/year in 2015.

So, she's lost her coverage, part of her wages and will end
uppaying a fine because she csn't afford obamacare.
BTW--she voted for him.
Sometimes we get what we ask for.........
__________________
“I do not love the bright sword for its sharpness, nor the arrow for its swiftness, nor the warrior for his glory. I love only that which they defend.”
J.R.R. Tolkien, The Two Towers

G19 Gen4; Llama .22LR; Astra .380 ACP
Hej Hej is offline   Reply With Quote
Old 10-10-2013, 19:33   #11
janice6
Platinum Membership
NRA
 
janice6's Avatar
 
Join Date: Apr 2006
Location: minnesota
Posts: 17,295


Quote:
Originally Posted by Flying-Dutchman View Post
They were told healthcare would be free.

Pelosi said free health insurance would allow you to become an artist.


She really meant a con artist.
__________________
janice6

"Peace is that brief, glorious moment in history when everybody stands around reloading". Anonymous

Earp: Not everyone who knows you hates you.
DOC: I know it ain't always easy bein' my friend....but I'll BE THERE when you need me.
janice6 is offline   Reply With Quote
Old 10-12-2013, 09:22   #12
Cavalry Doc
Silver Membership
MAJ (USA Ret.)
 
Cavalry Doc's Avatar
 
Join Date: Feb 2005
Location: Republic of Texas
Posts: 41,189


Quote:
Originally Posted by Flying-Dutchman View Post
They were told healthcare would be free.

Pelosi said free health insurance would allow you to become an artist.
It's surprising just how many people can be fooled all of the time. Low information voters.


Low income voters, and the non-working welfare supported middle class will still be happy.
Cavalry Doc is offline   Reply With Quote
Old 10-10-2013, 09:31   #13
kostnerave
Senior Member
 
Join Date: Sep 2010
Posts: 185
Quote:
Originally Posted by series1811 View Post
I'm amazed that so many people who voted for Obama and supported Obamacare didn't see this coming.

How dumb can you be?
++++++ Hope your happy now.
kostnerave is offline   Reply With Quote
Old 10-10-2013, 13:27   #14
Sharkey
Senior Member
 
Sharkey's Avatar
 
Join Date: Nov 2006
Location: DFW, TX
Posts: 3,575
Quote:
Originally Posted by series1811 View Post
I'm amazed that so many people who voted for Obama and supported Obamacare didn't see this coming.

How dumb can you be?

People being forced into the exchanges? You gotta be really dumb to not have seen that but hey, they voted the socialist tyrant in a 2nd time so you know they are pretty dumb.
__________________
Our perception of God determines our communication with Him.
Sharkey is offline   Reply With Quote
Old 10-11-2013, 09:34   #15
ca survivor
Senior Member
 
ca survivor's Avatar
 
Join Date: Dec 2011
Location: Florida
Posts: 6,937
Quote:
Originally Posted by series1811 View Post
I'm amazed that so many people who voted for Obama and supported Obamacare didn't see this coming.

How dumb can you be?
yep!! I have neighbor like that, came complaining to me the other day, all I said to him, but you voted for Obama right?
ca survivor is offline   Reply With Quote
Old 10-11-2013, 10:20   #16
Ricky Ricardo
Senior Member
 
Ricky Ricardo's Avatar
 
Join Date: Apr 2013
Location: Colorado
Posts: 636
Quote:
Originally Posted by series1811 View Post
I'm amazed that so many people who voted for Obama and supported Obamacare didn't see this coming.

How dumb can you be?
I feel the same way.

What also amazes me is that people I considered pretty smart turned around and voted for this joker. Some of them twice.
Ricky Ricardo is offline   Reply With Quote
Old 10-11-2013, 18:41   #17
SevenSixtyTwo
Senior Member
 
Join Date: May 2011
Location: Tampa Bay Area Fl
Posts: 2,753
Quote:
Originally Posted by Ricky Ricardo View Post
I feel the same way.

What also amazes me is that people I considered pretty smart turned around and voted for this joker. Some of them twice.
What amazes me as the Republicans couldn't offer up a candidate who could beat freakin' O. Twice. Just keep telling voters that $7.25 an hour is too much pay. Maybe they'll vote for you.

My BCBS was over $1400 a month before Obamacare. Haven't heard of any changes coming.

2016 is coming. We'll have another opportunity.
SevenSixtyTwo is offline   Reply With Quote
Old 10-10-2013, 08:07   #18
zodiacbw
Senior Member
 
zodiacbw's Avatar
 
Join Date: Apr 2008
Location: Buford, GA
Posts: 178
I'm reminded of the saying, "Government, if you think the problems we create are bad, wait until you hear our solutions."

I'm in a similar boat, got a letter from my insurance company saying at the end of 2014, my rates are going to double. The joys of being young and healthy right?
__________________
///M Power
zodiacbw is offline   Reply With Quote
Old 10-11-2013, 10:20   #19
JFrame
Senior Member
 
JFrame's Avatar
 
Join Date: May 2001
Location: Mid-Atlantic, US of A
Posts: 31,575
Quote:
Originally Posted by zodiacbw View Post
I'm reminded of the saying, "Government, if you think the problems we create are bad, wait until you hear our solutions."

I'm in a similar boat, got a letter from my insurance company saying at the end of 2014, my rates are going to double. The joys of being young and healthy right?

A good adjunct to that would be Ronald Reagan's quote, "The nine most terrifying words in the English language are, 'I'm from the government and I'm here to help.'"


.
__________________
"When newspapers are controlled, it's amazing how ignorant and immune from pressure the government can be." -- Amartya Sen

--
JFrame is offline   Reply With Quote
Old 10-10-2013, 08:12   #20
tehan2
NRA & GOAL
 
tehan2's Avatar
 
Join Date: Mar 2006
Location: Breaking the law in CT
Posts: 2,901
The company I work for just switched to a voucher system. I didn't pay much attention because I'm covered under my wife's plan. But the people in the meeting weren't happy AT ALL. and I know of a few guys looking for work just because of the change.

Hope and Change people, Hope, and Change!
tehan2 is offline   Reply With Quote
Old 10-10-2013, 17:28   #21
nursetim
Senior Member
 
nursetim's Avatar
 
Join Date: Mar 2006
Location: liberalville N. M.
Posts: 6,616
Quote:
Originally Posted by tehan2 View Post
The company I work for just switched to a voucher system. I didn't pay much attention because I'm covered under my wife's plan. But the people in the meeting weren't happy AT ALL. and I know of a few guys looking for work just because of the change.

Hope and Change people, Hope, and Change!
This is the piss poor attitude that got us in this mess to begin with! not you specifically of course, but the FYGMO attitude. I'm probably just guilty of it as you though, so FM.
__________________
Malo periculosam libertatem quam quietum servitium. - I prefer liberty with danger to peace with slavery.
nursetim is offline   Reply With Quote
Old 10-10-2013, 08:16   #22
Steve0853
Senior Member
 
Join Date: Aug 2003
Location: North Carolina
Posts: 5,087
Don't worry Dana. In a few short years, we'll have single payer. That's what Obamacare was designed to do....be so bad that single payer would appear to be our salvation.

Single payer WILL be free and everyone will love it. Of course, anybody stupid enough to still be working for a living will be taxed at about 80% to pay for it.

Future High School valedictorians will probably elect to be engineers or mathematicians, anything besides doctors, since working for peanuts after 12 years of rigorous schooling, training, and crushing student loans will not be too appealing.

With doctor shortages will come rationing.....like it or lump it. The few dummies still working for a living won't even be able to use their wonderful "free" health care.
Steve0853 is offline   Reply With Quote
Old 10-10-2013, 08:21   #23
captainstormy
Senior Member
 
captainstormy's Avatar
 
Join Date: Jul 2007
Location: Columbus, Ohio
Posts: 3,939
Send a message via ICQ to captainstormy Send a message via AIM to captainstormy Send a message via Yahoo to captainstormy
Nice, just got the results back from the application we put in at the exchange to see if we can find a plan we like better.

We have to prove that my wife, who was born in Ohio and has a SSN which we gave to them is a US citizen.
__________________
I won't be wronged. I won't be insulted. I won't be laid a-hand on. I don't do these things to other people, and I require the same from them. - John Bernard Books(John Wayne in The Shootist)
captainstormy is offline   Reply With Quote
Old 10-10-2013, 08:35   #24
mgs
Always Carrying
 
mgs's Avatar
 
Join Date: Dec 1998
Location: cogan station, pa, usa
Posts: 3,186
Quote:
Originally Posted by captainstormy View Post
Nice, just got the results back from the application we put in at the exchange to see if we can find a plan we like better.

We have to prove that my wife, who was born in Ohio and has a SSN which we gave to them is a US citizen.
Unlike Barry from CT......screw those bastards! This is going to get real bad real quick.
mgs is offline   Reply With Quote
Old 10-10-2013, 17:36   #25
Slug71
Senior Member
 
Slug71's Avatar
 
Join Date: Mar 2010
Location: Oregon - U.S.A
Posts: 4,210
Quote:
Originally Posted by Steve0853 View Post
Don't worry Dana. In a few short years, we'll have single payer. That's what Obamacare was designed to do....be so bad that single payer would appear to be our salvation.
I see this happening too. I just hope we'll have a President/Congress that will implement it right instead of screwing us even more.
__________________
GSSF Member
Bull Dawgs Club #571
Rimfire Club #571
Slug71 is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump




All times are GMT -6. The time now is 11:21.



Homepage
FAQ
Forums
Calendar
Advertise
Gallery
GT Wiki
GT Blogs
Social Groups
Classifieds


Users Currently Online: 1,186
350 Members
836 Guests

Most users ever online: 2,244
Nov 11, 2013 at 11:42