Do you have to use the insurance offered at work?
January 19th, 2010 | 
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Tags: aetna, aetna health, aetna insurance, bank of america, blood test, insurance, laptop, mom, united health care, wtf
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So Bank of America’s insurance lately changed. We went to Aetna insurance which is absolutely terrible. It doesn’t cover anything!!!!
MY mom got a blood test and had to pay 0. WTF i could’ve bought my new laptop..
So I am asking does she have to use Aetna health or can she go back to United Health Care.
Posted in sat practice test |
Tags: aetna, aetna health, aetna insurance, bank of america, blood test, insurance, laptop, mom, united health care, wtf
You have to use the plan offered by her employer, or buy it yourself. I know that Bank of America insurance has gone down hill since the bailouts, because they used to have CIGNA and had great coverage. Sorry, but if you want UHC you will have to pay for it, next time they have open enrollment she can chose if it’s an option.
If she wants private health insurance, she has to go and apply for it, and pay for it.
The PROBLEM is, if she’s 50 and healthy, for just her, it will likely cost around $600 a month.
She has cheap insurance – so it has cheap coverage. With health insurance, you get what you pay for. The CHEAPEST way for her to have insurance, is through her employer.
Oh…where to even begin explaining this to you?
Bank of America is a huge employer. Therefore, they have A LOT of input on how their benefit plan works.
Its not that United Healthcare provides different (better or worse) coverage from Aetna.
Its that Bank of America completely changed the type of plan they wanted to offer employees. Even if they had stayed with United administering the plan, your mom still would have owed more money. Her coverage was reduced by her employer, it doesn’t matter what insurance company she has.
(Always shocks me that people don’t realize that a large employer like that decides what level of deductible and coverage they want to provide to their employees. It doesn’t matter what insurance company is being used – the changes are coming from the employer.)
Anyhow…your mom can’t go back to her same plan with United. The group plan she used to have doesn’t exist any more, and it isn’t available for purchase.
If your mom wants to purchase her own individual plan through United, she could choose to do so. But it would be very expensive for her – she’d pay more in premiums, and likely have higher deductibles and out of pocket expenses as well. It wouldn’t be the SAME policy she used to have with United – the coverage would be completely different.