benefits...

Joined
Dec 8, 2011
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46
#1
so, my store is buzzing a bit about the up-coming re-enrollment, our HR has announced at several huddles that we'll be having benefit meetings to discuss the "new big changes". many people think we're about to get screwed, a lot are worried about their families. has anyone done re-enrollment yet? i think the different regions do it at different times?
 
Joined
Jun 17, 2011
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#2
Have not heard anything yet,but the questions in the surveys over the last few years about which benefits are most important to us always concerned me as I looked upon them as a way to find out what could be taken away and cause the minimum of trouble.
 
Joined
Jun 21, 2011
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#3
We discussed the changes today in a meeting. No biggie. Smokers now have a smoking fee that is easily waived. 2012 will be the last year for the PPO. Next year will be account based only (HSA, etc.) No automatic enrollment this year. You MUST chose your plan.
 
Joined
Aug 30, 2011
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#4
bye bye PPO plan. Only HSA and HRA will be available. Smokers 5 dollar a week fee. If you claim a dependent on your insurance, be ready for an extensive background check to ensure they are actually your dependents.
 
Joined
Jun 21, 2011
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#5
bye bye PPO plan. Only HSA and HRA will be available. Smokers 5 dollar a week fee. If you claim a dependent on your insurance, be ready for an extensive background check to ensure they are actually your dependents.
PPO is here this year. NEXT year it's gone. I advise switching to HSA and socking money away though. May as well get a jump on it!!
 
Joined
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#6
PPO is here this year. NEXT year it's gone. I advise switching to HSA and socking money away though. May as well get a jump on it!!
Right.... I failed to mention that, but only those who have the PPO currently can enroll in the PPO this year. Those Team Members have been "grandfathered" in. I have to do my research as to whats the best. HRA or HSA
 
Joined
Oct 14, 2011
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#7
The HRA and HSA plans are complete sh**. What a joke this is.

Anyone know if ETLs get to keep the PPO (or even something better)?
 
Joined
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#8
With the HSA, Target puts xxxx a year in your HSA. For a married couple, I believe it is $250 a year. If you put 20 a pay period in the HSA, that is an additional $500ish. These days, that isn't too bad. Yearly exams and woman visits are covered, so many folks will not dip into the HSA.
 
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#9
With the HSA, Target puts xxxx a year in your HSA. For a married couple, I believe it is $250 a year. If you put 20 a pay period in the HSA, that is an additional $500ish. These days, that isn't too bad. Yearly exams and woman visits are covered, so many folks will not dip into the HSA.
Dude, are you like 18? For those of us getting older, this is freaking huge. You have any idea how much cancer costs? HIV? Pretty much any other illness that lasts longer than few weeks? $500 in chump change. Try about $500,000 in the first year medical bills for any serious illness. Hell, even being in the hospital a week can costs thousands of dollars. In some cases, probably more than a TMs entire annual earnings.
 
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Joined
Dec 8, 2011
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46
#10
not pleased that the PPO plans are going away. i took a precaution and had my spouse take my children onto his insurance, so they won't be effected by any changes. my children need to be covered with comprehensive care at all costs :/

i don't know anything about HRA plans, and HSA is a health care spending account? any money you put into that account does not carry over to the next year, am i correct?
 
Joined
Jun 21, 2011
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#11
Dude, are you like 18? For those of us getting older, this is freaking huge. You have any idea how much cancer costs? HIV? Pretty much any other illness that lasts longer than few weeks? $500 in chump change. Try about $500,000 in the first year medical bills for any serious illness. Hell, even being in the hospital a week can costs thousands of dollars. In some cases, probably more than a TMs entire annual earnings.
Yeah man, I'm 18. That is a very intelligent post. HSA plans are fine.....yes they are different from PPO plans, but will pay for your cancer nonetheless. Dig your ego out off your ass and be thankful that Target even cares enough about you to help you out.
 
Joined
Jun 21, 2011
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#12
not pleased that the PPO plans are going away. i took a precaution and had my spouse take my children onto his insurance, so they won't be effected by any changes. my children need to be covered with comprehensive care at all costs :/

i don't know anything about HRA plans, and HSA is a health care spending account? any money you put into that account does not carry over to the next year, am i correct?
Yes it rolls!!
 
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Joined
Dec 8, 2011
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#13
Dude, are you like 18? For those of us getting older, this is freaking huge. You have any idea how much cancer costs? HIV? Pretty much any other illness that lasts longer than few weeks? $500 in chump change. Try about $500,000 in the first year medical bills for any serious illness. Hell, even being in the hospital a week can costs thousands of dollars. In some cases, probably more than a TMs entire annual earnings.
exactly. i don't feel comfortable giving too much information, but one of my kids was diagnosed with a rare disorder. $500 will not even cover a visit to a specialist...
 
Joined
Oct 14, 2011
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#14
not pleased that the PPO plans are going away. i took a precaution and had my spouse take my children onto his insurance, so they won't be effected by any changes. my children need to be covered with comprehensive care at all costs :/

i don't know anything about HRA plans, and HSA is a health care spending account? any money you put into that account does not carry over to the next year, am i correct?
Quick Yahoo search pretty much confirms HSA and HRA plans are trash. Also you are confusing it with the FSA account. FSA expires, HSA at least does not expire.
 
Joined
Jun 21, 2011
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#15
I'm clearly wrong here, so ya'll can form your own opinions of this GIANT SCARY change. Relax. It's not that bad. Sorry for being overly snarky.
 
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#16
exactly. i don't feel comfortable giving too much information, but one of my kids was diagnosed with a rare disorder. $500 will not even cover a visit to a specialist...
Target probably figures since so many TMs are still covered by mommy and daddy there won't be much protest. Those of us have kids or are getting older will be completely screwed.
 
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#17
I'm clearly wrong here, so ya'll can form your own opinions of this GIANT SCARY change. Relax. It's not that bad. Sorry for being overly snarky.
Get cancer, then come and tell us that when the hospital wants $200,000 for the first month of treatment and you don't have insurance that covers it.
 

commiecorvus

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#22
So glad I'm on my wife's insurance and don't have to deal with this crap.
Her union makes sure they have good healthcare and that it doesn't get taken away or changed without serious negotiation.
 
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Jun 7, 2011
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#23
i had the hmo or whatever, and then i decided to do the other because of the price. big mistake. my daughter was ill, was hospitalized for a couple of weeks. i'm still paying it off, where, with hmo i would be out $200. last time i swapped back. if you're young, it's just on you, you can save a lot of money with the hra/hsa/etc. but with my family, im sticking with my hmo.
 
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#24
i had the hmo or whatever, and then i decided to do the other because of the price. big mistake. my daughter was ill, was hospitalized for a couple of weeks. i'm still paying it off, where, with hmo i would be out $200. last time i swapped back. if you're young, it's just on you, you can save a lot of money with the hra/hsa/etc. but with my family, im sticking with my hmo.
Yep, I learned that lesson too. A trip to the ER that would have cost $150 under the HMO cost over $1000 with the cheapo plan. Went back to the HMO during the next enrollment period.

insiteful1 - how does that Kool-Aid taste?
 
Joined
Jun 17, 2011
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#25
So glad I'm on my wife's insurance and don't have to deal with this crap.
Her union makes sure they have good healthcare and that it doesn't get taken away or changed without serious negotiation.
Same for me,I have no deductible ,only copays!!! With kids who are always breaking a bone,getting something stuck up their nose,and a few emergency surgeries,we need an outstanding health plan!!!
 

redeye58

Hasta Ba Rista, Baby!
Joined
Jun 9, 2011
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#28
Gotta remember that single folk don't have those worries & maybe family folk (like many of us) shouldn't be relying on someplace like Target, as if many of us had a choice right now.
Life can also change in an instant when you least expect it & least have coverage.
 
Joined
Jun 24, 2011
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#31
Dude, are you like 18? For those of us getting older, this is freaking huge. You have any idea how much cancer costs? HIV? Pretty much any other illness that lasts longer than few weeks? $500 in chump change. Try about $500,000 in the first year medical bills for any serious illness. Hell, even being in the hospital a week can costs thousands of dollars. In some cases, probably more than a TMs entire annual earnings.
Thank you Stateoftarget - you stated it perfectly! Those HSA/HRA plans are awesome if you don't have any medical issues. My husband and I take quite a few prescriptions and need to see specialists and may need an overnight hospital stay. I can't afford either plan. Don't know exactly which way to turn now.
 
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Joined
Dec 8, 2011
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#32
i can't help but wonder if obamacare has something to do with target getting rid of the PPO and HMO plans.. idk. i don't know enough about obamacare to form an opinion on it. the only thing i want is, to do away with the pre-existing condition issues, which obamacare has done for children so far.

my spouse does belong to a union so like some of you said, no drastic changes will be made without contract changes... i guess i'm the only one who is **** outta luck.
 
Joined
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#35
i can't help but wonder if obamacare has something to do with target getting rid of the PPO and HMO plans.. idk. i don't know enough about obamacare to form an opinion on it. the only thing i want is, to do away with the pre-existing condition issues, which obamacare has done for children so far.

my spouse does belong to a union so like some of you said, no drastic changes will be made without contract changes... i guess i'm the only one who is **** outta luck.
No, has nothing to do with health care reform.

How do I know? Three years ago in a TL meeting we were told the PPO/HMO was going away. A few weeks later our STL told us "oops. Company called it off. Nevermind"

So this has been on the drawing board since at least 3 years ago. It seems like now the company finally had the balls to do it.
 
Joined
Jun 24, 2011
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#36
No, has nothing to do with health care reform.

How do I know? Three years ago in a TL meeting we were told the PPO/HMO was going away. A few weeks later our STL told us "oops. Company called it off. Nevermind"

So this has been on the drawing board since at least 3 years ago. It seems like now the company finally had the balls to do it.
True - company has been heading in this direction for a couple of years.
 
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#37
My state is not one with the coverage, and I would have to have been without coverage or denied coverage. My concern is that my expenses under the Target plans will cost more than I make.
Check your state family services by clicking on it & go to the state link.
They will tell requirements & deductible amounts.
 
Joined
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Messages
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#38
Check your state family services by clicking on it & go to the state link.
They will tell requirements & deductible amounts.
So now we basically have to go on welfare to decent coverage for ourselved and family. Welcome to the best company ever.

Fyi i will never go on welfare. Too much dignity for that. Spot will not take that from me.
 

buliSBI

Former Team Member
Joined
Jun 17, 2011
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2,996
#39
How much worse can it possibly get? I had the traditional health plan for a few years, and then I was told Target was dropping it for the Health Spending Account thru United.

You were told that you would have to assess how healthy you are, expect how often you will be sick, and figure out if you were going to have any major life changes. And then you could call a 1800 number that recommend if you really needed to go to the doctors office, or if could be treated at home.
 
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Joined
Jun 16, 2011
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#40
exactly. i don't feel comfortable giving too much information, but one of my kids was diagnosed with a rare disorder. $500 will not even cover a visit to a specialist...
Apply for Katie Beckett or Medicaid. They will pick up the OOP expenses to help pay these expenses and it will count toward the OOP expense.
 

commiecorvus

Former Signing Ninja
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#41
I'm sorry but what Target is offering is not health insurance.
They can try and call it that all they want but it just isn't.
I'm so sorry for anyone who depends on Spot for their insurance, this just sucks.
 
Joined
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#42
Apply for Katie Beckett or Medicaid. They will pick up the OOP expenses to help pay these expenses and it will count toward the OOP expense.
A person who works should not have to be on government support programs for health care. I suppose it is good health care reform passed so at least these programs will be an option for some TMs.... otherwise they would be completely sh** out of luck.
 
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#44
A person who works should not have to be on government support programs for health care. I suppose it is good health care reform passed so at least these programs will be an option for some TMs.... otherwise they would be completely sh** out of luck.
i have no idea what katie beckett is and i have no intention what so ever of putting my child on medicaid. you can't use medicaid in conjunction with insurance in my state. if i wanted the kid on medicaid then i'd have to cancel our insurance then wait 90 days, and then assuming that we even qualify for medicaid based on the amount of money we make. which i know for a fact, that we make too much.

the second reason why i won't use medicaid is because of the pre-existing condition issue. right now, insurance companies cannot deny coverage to children with a pre existing condition BUT if obama doesn't make the white house again... obamacare WILL be repealed which means we're back to square one, the kid will be denied coverage because of her pre existing condition BECAUSE he/she had no private insurance... if that wasn't clear, the kid MUST be covered without a lapse..

and state of target is 100% correct, we should not have to rely on government to provide care. i have provided healthcare for my kids since the moment they were all born.
 
Joined
Jun 16, 2011
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#45
i have no idea what katie beckett is and i have no intention what so ever of putting my child on medicaid. you can't use medicaid in conjunction with insurance in my state. if i wanted the kid on medicaid then i'd have to cancel our insurance then wait 90 days, and then assuming that we even qualify for medicaid based on the amount of money we make. which i know for a fact, that we make too much.

the second reason why i won't use medicaid is because of the pre-existing condition issue. right now, insurance companies cannot deny coverage to children with a pre existing condition BUT if obama doesn't make the white house again... obamacare WILL be repealed which means we're back to square one, the kid will be denied coverage because of her pre existing condition BECAUSE he/she had no private insurance... if that wasn't clear, the kid MUST be covered without a lapse..

and state of target is 100% correct, we should not have to rely on government to provide care. i have provided healthcare for my kids since the moment they were all born.
I didn't mean to offend you. Medicaid is a federal program and it is encouraged that recipients use it in conjunction with private insurance. Katie Beckett is a form of medicaid that is specifically for children whose parents have large medical expenses but do not meet the financial requirements for standard medicaid. Look them up. I have a disabled child and have been dealing with these issues since his birth many years ago. PM me if you'd like. I am an advocate for disabled children in my state and am pretty good at helping people find ways to get their children the help that they need.
 
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Joined
Dec 8, 2011
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#46
I didn't mean to offend you. Medicaid is a federal program and it is encouraged that recipients use it in conjunction with private insurance. Katie Beckett is a form of medicaid that is specifically for children whose parents have large medical expenses but do not meet the financial requirements for standard medicaid. Look them up. I have a disabled child and have been dealing with these issues since his birth many years ago. PM me if you'd like. I am an advocate for disabled children in my state and am pretty good at helping people find ways to get their children the help that they need.
you didn't offend me.. sorry if it came off that way. it's just a darned if ya do, darned if ya don't situation... i don't understand how a company this big, can't and won't provide good health insurance for us. i think the price of the PPO and HMO plans are very reasonable and i'd be very willing to pay a little more to keep them around.

thanks for the advice also, on getting some extra help. fortunately my kid isn't having issues at the moment. it's just a waiting game to see if problems present..
 
Joined
Jun 7, 2011
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#47
fyi... not that it matters, but i heard through the grapevine that these changes do not affect tm in alabama... they get to keep their bcbs
 
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#49
I didn't mean to offend you. Medicaid is a federal program and it is encouraged that recipients use it in conjunction with private insurance. Katie Beckett is a form of medicaid that is specifically for children whose parents have large medical expenses but do not meet the financial requirements for standard medicaid. Look them up. I have a disabled child and have been dealing with these issues since his birth many years ago. PM me if you'd like. I am an advocate for disabled children in my state and am pretty good at helping people find ways to get their children the help that they need.
Your information is incorrect. Medicaid is NOT a federal program but a state-run program. Every state has their own rules and requirements for Medicaid, and Medicaid is mainly funded BY THE STATES (80%) and then the federal government (20%).
 
Joined
Jul 27, 2011
Messages
118
#50
did they actually say that? the first year they were offered, they did not roll. the following year they did. again, we have a job. they don't have to even offer insurance to us. My husband works at another retailer, when i opted in the HRA (I think it was) the first year we had it, his was almost $200 more than ours, (and his is a nationwide retailer like target. ) they were switching insurance companies twice a year at least, without even letting them know. I wasn't real happy with the hra, hsa then probably won't be over joyed with it un 2013. but consider the alternative.
 
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