I have the delightful learned ability to read a health insurance coverage summary with a hawk’s eye.
Post-cancer, I have become acutely aware of watch-words like “after deductible,” “co-insurance,” and particularly, “lab fees.”
Last week, I met with two of the 3 HR ladies I have worked with at the retail company I now work for. The first, Heidi, I met on the day I waltzed into the HR department with no plan and asked if they were hiring. I then had a wonderful impromptu interview and was subsequently hired. She’s great, personable, real. And someone with whom I can be honest.
To finish up the health insurance thought, I met with another of the HR ladies last week to sign the “permanent hire” paperwork, and to get the particular HR documents I’ll need, and information on eventual benefits.
I’d assumed, working for a large conglomerate corporation, that my health benefit coverage would be fantastic. More people = less $ from me, right? Wrong.
This morning, I logged in to see what my options are, as I have to stay with the Kaiser health insurance, since that’s where all my cancer records and doctors are, plus it’s in walking distance of my house.
I looked at the plan they offered. I saw many watch-words, including all those above. And then I brought out the plan that I’m currently under via COBRA through my old synagogue employer.
My lord. What a better plan.
As someone who needs to get lab tests done fairly regularly, I know that I now pay $10 for them to look and see if my blood is still blood, or if some of it has reverted to cancer.
With the new plan I saw this morning, I’d have to meet a $4,000 deductible… and then I’ll still pay a 20% copay. Besides the hundred or so they’ll take out of my paycheck each month, just to have the plan.
Now, this may all be boring to you. But, number-cruncher that I now am, COBRA costs me $400 a month = $4800 a year.
So they’re kinda similar, now, ain’t they?
How much is a lab test before deductible? I don’t know. A hundred, maybe? How ‘bout the other things I get checked through-out the year that the new plan says, “After deductible” next to.
Knowing that the plan I currently have is a phenomenal one (having done the health exchange comparison, too), I asked the HR woman last week if they could do something about my pay if I keep my own health insurance.
She’d never heard of such a thing. ??!
It is common that if someone is covered by outside insurance, if the company is not paying for it, the employee can get a boost in salary, since the company would be paying insurance, but now can pay the employee instead.
Again, she’d never heard of such a thing. And said, no, that would not be the case here.
Enter the second HR conversation I had last week. It was post-holidays, post-working on New Year’s Day, and I was exhausted, upset, not happy.
This retail, commission, fighting for customers with the other girls on the sales floor thing is not for me.
I walked upstairs to see Heidi. I told her as much, in quite cushioned, complimentary, grateful words.
And she said: I figured that wouldn’t be for you.
But, we love you, you’re one of 2 of 70 employees kept on past the seasonal period. “Give me a week,” she said.
Give me a week to think of another role for you here. We want to keep you, and let me think about where we can utilize you. I have some ideas already, but I have to check them out.
She knows me, sort of. She got one of those hand-made collage holiday cards. I’d gone in to talk to her previously about expectations for the sales positions, and how much hustle one has to do in that role in order to make a living. A living which would equal the paycheck I left at my non-profit desk job.
She said last week that she could see I was someone who thought about the good of the whole, that one’s success is all’s success, and that cut-throat retail floors don’t allow for that.
I later said to a friend, it’s like she called me a communist! But, funnily and astute observed, she’s right. For the good of all! And other Marxist ideologies!
It’s coming to the end of the week she’d asked me for. She was nearly plaintive in her asking me to give her the time to think of something. — They really like me.
In addition, I wrote her an email early this week saying that she needed to have all the information: I do theater. And that means nights and weekends. And if we can keep that in mind as we seek out a new role for me there, that’d be great.
We’ll see what she comes up with. If anything.
If I land back in front of a desk so I can get to theater rehearsals, so be it. As long as I’m earning more than I was at the non-profit.
I mean, come on people. You’re an international corporation. I’m not 23 anymore. I have skills.
Again, we’ll see. Before I go charging off to look for alternative companies, I’ve invested a lot in them already, as they’ve invested in me.
But, should it look like I’ll be a salaried lady again — I’m asking for the health insurance off-set increase.
Because screw that noise.
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