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Health Care Insurance Concerns?

Joe Marconi
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CARMandP Proficient

CARMandP

Posted
Posted

I don't offer it to my employees yet but I can tell you that my own personal health insurance is planning to more than double because the minimums don't meet Obamacare's requirements. So much for the lie that my health insurance won't be going up. We will probably have to do without sadly because there is no way I can afford to pay double for the crap insurance I already have :(

TTP Enthusiast

TTP

Posted
Posted

I am in the same boat as you are Jeff, hardly ever get sick couldn't tell you the last time I went to a doctor! But I am getting older now, so healthcare is becoming a concern of mine now but the prices of insurance are just plain ridiculous!

Also from what I have read if you don't have at least 10 employees you are not required to have insurance for them.

TTP Enthusiast

TTP

Posted
Posted

Yes its sad, that the honest worker can't afford to stay in business because of all of the dishonest moochers out there that work the system and make it so hard for us to make a living!

  • Like 1
  • 3 years later...
  • 9 months later...
Hands On Community Regular

Hands On

Posted
Posted (edited)

I have just added health insurance. I have cut my personal pay to make it work. I am also lowering other insurance bills. I plan to call Comcast to reduce that bill, as well as cut out ALLDATA repair and use identif8x for all repair info.

I will probably raise my labor rate January 1st to cover the cost.

My wife and kids have been covered by CHIP and Medicaid. If they loose that coverage because I offer a plan It will cost me $1480 a month, more then my home payment.  

My one employee that signed up cost another $550. So this is a little over 2000 a month. If I raise my labor rate by $5 and fiddle with my parts matrix a tad it should balance out.  

It makes me sick thinking about the cost so I need to get it lol.

I do hope this will help me attract the better techs out there. If I can get a more efficient employee out of it the costs would be even more offset.

Edited by Hands On
Hands On Community Regular

Hands On

Posted
Posted

The good thing is the max out of pocket is 2k a year. With my families heart history I am basically financing in advance work I know I will need in the future. I also plan to take advantage of all of the pre care health things it offers.

tyrguy Collaborator

tyrguy

Posted
Posted
16 hours ago, xrac said:

At least the deductible is modest.  I am Medicare as of December 1.  My premium (medicare & supplements) drops by over $400 per month and my deductible went from $7,500 to less than $200 otherwise I would still be sweating the health insurance thing. 

I'm with ya Xrac, I turn 65 in April and I'm looking forward to Medicare. My insurance just took another jump of 

$100 to about $950/mo with a 4K deductible. I expect to see a decrease similiar to yours.

bantar Community Regular

bantar

Posted
Posted

While this is not insurance, I recently learned of this healthcare insurance option.   There is a company here called diamondphysicians.com that offers concierge medicine.  I think it's under $100/month and then most medical issues are covered.  Doctor visits are free, Lab work is about $7, xrays $30, etc.  They have both GP's and some specialists on staff.  I think an insurance agent can make a mint if they find a way to package major medical insurance with this type of medical care.  One is not covered of they have a major medical issue or if you are in a car wreck.  However, if there's a choice between no insurance and this only, it still has value.  The person that told me about this has no insurance and a family with small children.  He's a member of this network and at least he, his wife and kids are getting medical care.    I had always associated concierge medicine with wealthy folks only.  As you can see, this one doesn't break the bank.  

It looks like they might expand to other areas as it is a franchise as well.  

skm Community Regular

skm

Posted
Posted

Health insurance has become a JOKE ! we are not offered insurance through work.. I have to pay out of pocket for my and my wife's insurance. Our monthly bill starting Jan 1st will be 956.00 a month , there is no way we can afford it. We do not qualify for any assistance so it is on us.. Our saving grace maybe that my wife started a new job as a medical secretary for a spine doctor in a hospital so we have looked into their insurance and it looks like we should be able to join hers without having to wait until their open enrollment which is in may and wouldn't take effect until July. They said that they may be able to consider the high payment that we can't afford to be a life altering circumstance. Her insurance will be 400.00 a month cheaper and much much better coverage. much lower out of pocket and deductibles not to mention no need for referrals we can go to any specialist in the network most of which are in our living area so that is a plus as well. We should hear something soon if not we will be without health insurance starting Jan 1st.

  • 1 month later...
alfredauto Experienced

alfredauto

Posted
Posted

I had to pay a penalty this year because NYS made and error and cancelled a couple of my kids. Their website was broken so they couldn't fix it for a few months. The state got it corrected finally but we still had a gap. How can 6 people be on the same plan, all dependents of me, all signed up at the same time and 2 get dropped mid year? Computer error. Now I have to file another form to get a refund of the penalty, I'm still working on getting reimbursed for some Dr visits. Not to be one of those guys but when I was self insured everybody made more money. The providers and me both. By a LOT! My employees have other halves with family plans thank god because I can't afford to provide health care for them no matter how I figure it. 

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    • Joe Marconi
      The Toolbox is Last to Leave, First is the Heart
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      It always amazes me when I hear about a technician who quits one repair shop to go work at another shop for less money. I know you have heard of this too, and you’ve probably asked yourself, “Can this be true? And Why?” The answer rests within the culture of the company. More specifically, the boss, manager, or a toxic work environment literally pushed the technician out the door.
      While money and benefits tend to attract people to a company, it won’t keep them there. When a technician begins to look over the fence for greener grass, that is usually a sign that something is wrong within the workplace. It also means that his or her heart is probably already gone. If the issue is not resolved, no amount of money will keep that technician for the long term. The heart is always the first to leave. The last thing that leaves is the technician’s toolbox.
      Shop owners: Focus more on employee retention than acquisition. This is not to say that you should not be constantly recruiting. You should. What it does means is that once you hire someone, your job isn’t over, that’s when it begins. Get to know your technicians. Build strong relationships. Have frequent one-on-ones. Engage in meaningful conversation. Find what truly motivates your technicians. You may be surprised that while money is a motivator, it’s usually not the prime motivator.
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