This topic has been archived. It cannot be replied.
-
枫下茶话 / 美国话题 / 各位说说公司的医疗保险吧, 我的个人每月要$40多, 如果是家庭连孩子就要近$400, dental and vision 另外算, 是不是差得可以啊? 还是非大公司都这样?
-nix(别了多伦多);
2005-9-17
(#2507492@0)
-
医疗保险还要自己掏钱?
-rhill(阿山);
2005-9-17
(#2507513@0)
-
是比较差。通常个人免费。
-ustax(roliatax);
2005-9-17
(#2507525@0)
-
Mine is definity gold plan. 77/month, including meidical/dental/vision, including $750 Personal Care Account which can be rolled over each year indefinity. Annual out of pocket expense is for the amt over 750 to1500. Amt > 1500 is fully cover. No copays. Preventative care is cover at 100%, don't apply to personal care account nor deductible.
What about your plan?
-jeffrey815(Smartiecat);
2005-9-17
{158}
(#2507527@0)
-
听起来不错啊. 我的放办公室了, 等周一详细看看. 没办法, 换了个村, 什么都要重新学. 你在MN 可好? 没好中国菜吃了吧? ；）
-nix(别了多伦多);
2005-9-17
(#2507692@0)
-
不好，沒啥中国人。中国饭店超贵。等着11月份回多伦多狂补。
-jeffrey815(Smartiecat);
2005-9-17
(#2507704@0)
-
什么公司？听上去挺不错，如果加2个dependant的价格呢？
-holly(举头望里面);
2005-9-17
(#2508035@0)
-
星期一看看，我把benefit package放公司。
-jeffrey815(Smartiecat);
2005-9-17
(#2508069@0)
-
This is our price...Medical/Vision
2005 Employee Rate 2005 Company Rate 2005 Total Cost
Employee Only $65.00 $270.90 $335.90
Employee +1 $135.00 $450.39 $585.39
Employee + Family $210.00 $664.38 $874.38
Dental
2005 Employee Rate 2005 Company Rate 2005 Total Cost
Employee Only $12.00 $23.00 $35.00
Employee +1 $24.00 $46.00 $70.00
Employee + Family $36.00 $69.00 $105.00
-jeffrey815(Smartiecat);
2005-9-19
{361}
(#2510064@0)
-
HMO or PPO?
-noodlelover(爱喝拉面);
2005-9-17
(#2507556@0)
-
HMO 啊，PPO 更贵. -- 开始怀念加拿大了.
-nix(别了多伦多);
2005-9-17
(#2507696@0)
-
是多了点. 我的保险1000/年.有没有小孩,有几个小孩都一样.不过城市, 保险公司不一样,可能会不同吧. 我打赌你最多过半年就彻底不再想加拿大了,而且永不回头.
-noodlelover(爱喝拉面);
2005-9-17
(#2508000@0)
-
In Ontario, you pay 2000 in health care premium anyway.
-jeffrey815(Smartiecat);
2005-9-19
(#2510477@0)
-
对了, 怎么把这茬忘了... 嗯. 心里平衡点了.
-nix(别了多伦多);
2005-9-19
(#2510864@0)
-
medical 200/month（一家三口）, dental 64/month(不含孩子的)，看来也很贵。好处是看specialist不用refer可以自己挑。相比之下，我更喜欢这里的医疗制度。
-holly(举头望里面);
2005-9-17
(#2508033@0)
-
你说的是PPO吧？好像HMO的不可以自己选？
-nix(别了多伦多);
2005-9-18
(#2508714@0)
-
对了，一直想问怎么知道自己的保险是HMO or PPO? 每家公司都有这两个选择吗？
-holly(举头望里面);
2005-9-19
(#2509796@0)
-
Benefit package should state which network it uses. For example, my plan use America's PPO locally in MN but Beech Street nationally.
-jeffrey815(Smartiecat);
2005-9-19
(#2510476@0)
-
找了一下，insurance card写着是EPO，可能和PPO差不多。
-holly(举头望里面);
2005-9-19
(#2510513@0)
-
No. EPO is similar to HMO, NOT PPO.
-jeffrey815(Smartiecat);
2005-9-22
(#2514816@0)
-
的确，真有病可以马上解决。加拿大的更象“聋子耳朵”
-maple2000(国际民工);
2005-9-18
(#2509067@0)
-
Normally big companies cover all family members free and small companies cover the worker and reimburse half the family members. Dental and Optical included. Your plan is below average.
-cerboros(Once Upon Great King);
2005-9-17
(#2508105@0)
-
Not anymore. My company is HUGE. I still need to pay 77/month for myself.
-jeffrey815(Smartiecat);
2005-9-18
(#2509079@0)
-
Yes Walmart is MAGNIFICENT and its salesperson have to co-pay insurance. Big companies have levels: Associate, engineer, manager and executive. These who have to pay are in the lowest level.
-cerboros(Once Upon Great King);
2005-9-19
(#2510101@0)
-
In my company we only have one level. And most big non-unionized companies have only one level when comes to medical insurance that is not a salary related benefit.And stop arguing with me because I work for an insurance company. And their benefit are average. NOT below average.
-jeffrey815(Smartiecat);
2005-9-19
{115}
(#2510165@0)
-
It is completely misleading. I once worked for a high tech company with more than 70K employees. In the HR profile it showed your level. The CEO once underwent a surgery in an very expensive hospital(riding his helicopter to a place 300 miles away). And one day my collegue asked the manager how can the CEO go to that hospital where average employees cannot, guess what is the answer?
BTW, In Canada, PM and some "top" guys go to a special hospital and get special treatment. In spite of Canada government claims the medical insurance treates all people equally.
-cerboros(Once Upon Great King);
2005-9-19
{369}
(#2510203@0)
-
The fact is the company pay for it out of pocket. The insurance premium submitted is still the same for every employee regardless your level. The insurance company won't cover this extra expenses. Get it?In my company, we are paying the same insurance premium regardless what level you are. But I bet if our CEO is sick, the company might cover the extra expenses that the insurer won't pay for to get him to an expensive hospital.
Just look at the number of replies on this post. Everyone is paying about the same. How can you say her benefits are below average?
-jeffrey815(Smartiecat);
2005-9-19
{363}
(#2510239@0)
-
make sense
-maple2000(国际民工);
2005-9-19
(#2511025@0)
-
Not really. I am working in a huge hospital. The hospital has its own insurance company. Even like this, I have to pay something each month.
-ylanylan(&伊兰香&);
2005-10-20
(#2562933@0)
-
医疗保险现在是年年看涨。我们公司负75%,我个人每月还付 $270。牙眼都包。
-maple2000(国际民工);
2005-9-18
(#2509063@0)
-
My weekly premium is almost $40...don't complain lah...
-wireless_mouse(无线小滑鼠);
2005-9-19
(#2510196@0)
-
If both parties have jobs. Each buy their own. It is a lot cheaper that way. Canada is great. I only pay $32 per month for myself and $64 for family.
-sunny366(Barbie);
2005-9-19
(#2510514@0)
-
我的 medical 155/month, dental 19/month, both for family, it's with CIGNA. 另外想借帖子问问大家，401K的company match 有多少？我的是3%，听一个朋友说他的公司是6%
-ken_toronto(time to move on);
2005-9-19
(#2510930@0)
-
6% plus company discretionary contribution at year end based on profit. Currently at 2.5%. So we pay 6%, company pay 8.5%.
-jeffrey815(Smartiecat);
2005-9-20
(#2511352@0)
-
My previous employee match dollar to dollar up to 10 grand.
-cerboros(Once Upon Great King);
2005-9-20
(#2511445@0)
-
For all employees?
-jeffrey815(Smartiecat);
2005-9-21
(#2512935@0)
-
我看了看我要去的公司的benefits，PPO的，$34每人，$98每个家庭。Dentel $6每人，$20每家庭。Vision $0每人，$9每家庭。这样的公司算好吗？我只是拿了offer，下个月才上班。
-timzhang(Tim);
2005-9-25
(#2519826@0)
-
搞清楚是per pay cheque还是每个月，我当时以为是每个月，结果发工资了才发现是每张pay cheque的deduction.
-jeffrey815(Smartiecat);
2005-9-28
(#2526982@0)
-
It's meaningless just to compare premium. You need to consider coverage too. Higher premium is not neccessarrily bad if you have lower decutibles and less copays.
-eve12701(eve12701);
2005-9-25
(#2519864@0)
-
我们公司不用自己出钱, 但是只是包90%, 如果你不要, 公司每年还可以将保险的钱存入HSA...
-kitty2mimmy(可爱的猫咪);
2005-9-25
(#2519975@0)
-
up
-ustax(roliatax);
2005-10-7
(#2542186@0)
-
我的个人每月$15。
-ustax(roliatax);
2005-10-20
(#2562502@0)
-
Single: 公司付：$230, 个人付：$15
-ustax(roliatax);
2005-10-23
(#2569344@0)
-
Parent/Child: 公司付：$485, 个人付：$95
-ustax(roliatax);
2005-10-23
(#2569348@0)
-
Husband/Wife: 公司付：$525, 个人付：$120
-ustax(roliatax);
2005-10-23
(#2569351@0)
-
Family: 公司付：$595, 个人付：$145
-ustax(roliatax);
2005-10-23
(#2569353@0)