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USI Insurance brokerage and consulting - thoughts? A recruiter reached out to me via linked in and I was wondering if anyone had any opinions on this company. They seem to have decent reviews on Glassdoor but I was hoping to get more insight into workload and comp. Thanks in advance! USI
Any info on the agency Heartbeat in NY?
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an Elementary School Literature Teacher
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That has happened to me several times. It never used to but the “affordable care act” made it happen to me multiple times -as well a much much higher deductibles with less coverage
Bowl Leader
I would like to hear more about how the ACA made that happen. Does your district not have its own plan available?
Bowl Leader
I've always been on a single plan so I haven't ever experienced that, but I have colleagues on the family plan who have. Unfortunately, most school districts aren't big enough to have the volume to get the deals big companies can negotiate.
Shockingly, this is what you get when your Healthcare system is dictated to you by people who make money by NOT paying for healthcare and "managing risk" in determining how much to charge people for the service they may or may not provide, depending on the claim.
Yea I just retired and had to take the managed care insurance. I have paid into compnay more than over $100,000 and went for a mammogram and there was a problem on the screen so they sent me for an ultrasound which insurance refused to pay. So bottom line living on less money, less insurance coverage that costs more so I won't be going back to the doctor. So yea there is a bunch of problems with insurance. So your not alone.
Appeal the results. My sister is a retired teacher, he has a follow up spine surgery denied. With hesitation and skepticism she appealed it and was approved.
They make it hard but for a breast biopsy or any biopsy, that needs to be appealed bc it’s bullshit. You save a lot of very intensive treatment if you have a cancerous tumor and it grows. I know many women (at least 9) with breast cancer; luckily maybe 4 caught it so early they only needed radiation- nothing else. It was through a biopsy that it was discovered.
I do not have insurance right now. I started a month ago and they want 35% of my salary for health insurance. They quoted me $1024 a month for my wife and I.
Yes. I remember a time 10 years ago where we were told teachers with families should go on Obamacare because the premiums were unaffordable.
Pro
One contract the union negotiated about 15 years ago saw an insurance cost increase that greatly exceeded the amount of the pay raise. That year the union saw a massive number of “opt out” attempts and a complete change of leadership.
In my district in FL, it's $800 a month to cover your spouse and over $1200 a month to cover your kids. For the employee, it's free (except the copays and deductibles are so high that you can't actually afford to see your PCP or a specialist, nevermind have surgery).
People were concerned about this in my district this year but it wasn't really much of an increase. One plan was terminated though and if you didn't choose another plan during open enrolment you were automatically placed in a different and very expensive plan. Some staff didn't pay attention to this even though we must have gotten 10 emails about it. Now they're complaining about it.
Yes. After the "un"Afforadable Care Act passed, I had 3 years of flat/lower income and higher deductible. Government: If you hate the problem, wait until you see our solution!