#healthinsurance

Mine went up 20 bucks a pay period for a comparable plan. So much for the savings with UHC.

More lies. Just like the OHI and then the RTO 3x/week.

if you got let go last week, do you get subsidized cobra for your entire severance period or just through end of year (for example, if severance pay would end in early summer).

I'm looking at how COBRA rates are quoted and it almost looks like COBRA rates aren't geographic specific -- nationwide. (?) So they almost look CHEAPER to me (Northern California) than FTE rates. Am I mis-reading or can somebody confirm what I'm seeing?

COBRA rates: https://teamworks.wellsfargo.com/pdf/ABE_2026/RS_COBRA.pdf

Currently there are 250,000 people employed off shore by health insurance companies, In recent history 5000 jobs have been lost to Ai in out industry.

These changes represent increased profit not improved care. Both Democrat and Republican politicians need to step up and stop this. Health insurance companies all take federal dollars and as such it could be mandated that they only employ Americans.

Call, email, write your representative. Get a response, post it here. We nee to know which of these elected officials actually give a damn about us and about American Health care.

See question.

The U.S. healthcare system is heading into another profit bo-m — for insurers, not patients. Premiums are set to surge an average of 18% in 2026, the steepest increase in over a decade. For millions of Americans already struggling to afford coverage, it’s a blow. For insurance companies, it’s a bonanza.

Behind the numbers lies a troubling truth: the business model of health insurance has become less about protecting patients and more about protecting profits. Advanced algorithms now scan every claim, searching for reasons to deny coverage. Doctors spend hours fighting for payment while patients are buried in appeals and paperwork. Every denied claim is another dollar saved — and another point for Wall Street.

Medicare Advantage, once sold as a way to give seniors more choice, has become a profit machine. Private insurers pocket billions in federal payments while restricting care through narrow networks and prior-authorization hurdles. Meanwhile, these same companies report record revenues, buy back their own stock, and reward executives with multimillion-dollar bonuses.

Healthcare costs rise, but care quality doesn’t. Hospitals close, families skip treatments, and the sick get sicker — all while insurers post double-digit earnings growth.

It’s time to ask what kind of system we’ve built — one where access to care depends not on need, but on profitability. Regulators, lawmakers, and voters must decide whether healthcare remains a public good or continues to serve as one of the most lucrative industries in America.

Because if current trends continue, 2026 will be remembered not as the year healthcare got better, but as the year insurance profits went stratospheric.

I looked on the intranet but can’t find the info. If you get RIF, do you get VZ non-COBRA insurance for the same length as your severance weeks? Or does VZ insurance go away on our last day of work?
Thanks.

Post your comments about the HealthEquity HSA administrative fees scam and minimum account balance 😡😠🗯️
Announced at the end of the month of October and on a Friday!

I’m pretty anxious about the upcoming layoffs. Especially if they are before the new year. My wife and I are expecting a baby soon and are heavily reliant on our insurance currently. Insert panic here.

I accepted relocation rather than the minuscule severance (only 4 years of service). In the (hypothetical) situation where I may have accepted relocation under false pretenses in order to guarantee my bonus and a few extra months of paychecks, would my health benefits end on my last day of work (after resignation, 2 weeks notice) or until the end of the month?

I have been reading the layoff section of several of the larger Health Insurance Companies that offer Medicare Advantage plans.

And they all appear to be making, what at least I feel is a mistake…at least from a humanitarian aspect. They are all exchanging American citizen jobs by swapping them out for two things: Artificial Intelligence & Outsourcing to foreign countries.

I believe that C-suite Executives for all these companies are gearing up for what they already perceive, as follows:

—Medicare Advantage is no longer profitable, which Insurance Execs see, the Government sees, and even the members are starting to see (as MA plans that used to be rich with benefits are now getting skinnier)

As a result, I believe and predict the following:
—Within the next 5 (five) years, MA will completely tank and the largest of the large private Medicare Insurance companies will all submit to the Government RFP (Request For Proposals) bidding to get a contract to administer Original (Traditional) Medicare on behalf of the Government. Note: That is not the same thing as administering MA plans that happen to be funded by the Government.

Because doing this will need to be much more streamlined and not have all the human overhead, which also comes with different challenges, I think this is what Insurance Company Executives are preparing and getting “house cleaned” in advance, as it were.

Side note, and I say this in jest. If 5 (five) years from now, my prediction show to be true, as a sort of concession prize can someone please send me a check for a million dollars? I am kidding! Lol

Has anyone heard what premium increases will be applied to the Elevance Health (formerly Anthem) COBRA insurance for past employees (i.e., RIF'd)?

Elevance Health COBRA insurance is administered either by a third-party administrator (TPA) hired by the employer or by the employer's internal HR department. Anthem offers both COBRA (continuation of group health benefits) and benefits administration solutions, though it often partners with third-party administrators like Benefit Admin Solutions or Benefit Help Solutions to manage the administrative details of COBRA.

and yet our health care costs are going up above the inflation rate

Hey, for those unfortunate (or fortunate) People like me that were surplussed in the past... the cutoff date to renew your COBRA benefits is Nov 7! Of course you will not receive any reminders as I did not from the COmpany to remind you of this important cutoff date: Dont assume you have until the end of November - it is by November 7th.

Most have probably found much cheaper insurance, but I found the Vision plan and Careplus (extended) to be pretty good and kept it. But of course no reminder to renew. Just a public service announcement as we all have other things going on in life, didnt want my old freinds and co-workers to miss out and get scr_wed once again. All the best! I hope you are all in a better place then where we were!

Starting a thread.
Medicare retirees will no longer have dental coverage as of next year.
Would they try doing this to current employees too?

When does health insurance end for those let go on 11/6

Noticed that Citi’s medical plan costs are rising significantly compared to other firms like Wells. For next year, the increase is around $380 per paycheck, which is substantial — even annual salary or bonus adjustments don’t seem to offset that jump

it was rumored to be happening, so did it?

I haven’t been told to RTO yet, but I’m worried that may happen in the near future. I’m not in MN or DC, but my office is one of the next biggest after that. I got hired right before covid and have been working remotely the entire time except for my first few months. I’m technically assigned to the office and not officially a telecommuter, but I’ve only been into my office a handful of times the past 5 years.

Lately I’ve been thinking about moving out of state, which is a personal decision not related to RTO. I like my job and would like to keep it and work there remotely. Most of my team lives in different states, so this really wouldn’t change anything.

What I’m curious about is, if I’m suddenly told to RTO, would it then be too late to request to move out of state, something I’m thinking of doing anyways? Or if I’m told to RTO, could I avoid it by moving? Realistically I’m probably a year or so away from moving, but wondering if I should get going quicker if I need to do this before a RTO mandate.

Heard the rumor above. Anyone else have details or confirmation?

Looking at 2026 Benefits enrollment, healthcare cost for Self+family went up by appx 15% whereas BPI will be 2-3%.
Already a paycut 😭

That's my biggest issue right now. I can't afford to lose my job because I desperately need my health insurance. Do we get anything as part of the severance package?

The new name for Humana is Hellmana. We are working in actual HE-L. Leaders that know nothing.

I am new to this organization. Is mouse or activity tracking usual in a senior claims role?

So, despite working for a health insurance company, our premiums and deductibles are increasing.
However, I'm pleased to announce free pet care!!
I feel like I'm in a slapstick comedy.

It has been crickets and in the past it has been out there by now. What is the hold up or should I say what is the plan???

Did we hear Stephen correctly say HS brand wins, no more Blue Medicare?

Let me preface this by saying that I understand and support that in the US everyone is free to look for a better opportunity.   I also support that the company needs to change in order to compete and drive value to the shareholders.  
Assuming an employee makes it to January and supports these ideals we haven't heard what that means to the employee.  The reality is more than a few must work for a living not just for their passion.  Right now, without any communication to that end, we are facing up to a 17% increase in health care costs (10% discount program removed and increased employee cost 7%) plus the additional cost of going to the office everyday.  When will you be able to communicate something in relation to the financial benefits of working faster and harder other than being lucky to work here? 

Retiree here. Just got my medical bill. It’s doubling. Where due I sign up to work the strike to pay for it??? Just asking

Did anyone leave UHC this week from the RIFs? If so, what departments? I see some people are no longer here at the end of the week and I didn't know they were leaving.

Please make sure you read the details of the 2026 medical plan benefits. Cigna is adding a $55.38 per pay period surcharge if your spouse is eligible for insurance through their employer.

They are promoting a capped increase of no more than 5% but that does not take into account the spousal surcharge.

Can anyone share the timing on when merit and RRP funding is decided and when funding levels get communicated down the chain of command?

Or maybe there will be no communication because there won't be any funding this year?

RIF happened today in MI, stated it was due to Marketplace loss

Just wondering if anyone has received the dreaded 6am email today?

Who is coming with me?

For those that use or have family members that use the Chevron Mental Health and Substance Use Disorder Plan be aware that it is being discontinued as of January 1st, 2026.

In the announcement, individuals that regularly use these services are “strongly encouraged” to review the changes as the costs “may change”.

Got a very angry provider call stating they got an approval letter for a member with wrong information, like Dx Code, several kids spellings and wrong service dates. Asked manager who confirmed they started to send out AI letters upon approval.

They never address employee issues. Only "your feedback matters"...yeah right.