None of this bodes well. Our Beloved Employer, the State of Arizona, is up to something, and it ain’t good. They are actually keeping the nature of the 2009-10 health care plans secret. Open enrollment starts on Monday, and HR on all levels—at the state and at the university—is refusing to tell anyone what choices we will have or what providers they will cover.
What this means is that (once again) the pooh-bahs expect people to be dangerously angry. The last time they pulled a serious number on us, when PeopleSoft was jacking us around to the extent that some people weren’t getting their paychecks at all, they had armed guards present at meetings in which they tried to justify the various ways they were screwing us.
Rumor has it that we will be offered only two health plans, one from Aetna and one from Cigna. Everyone here knows how likely it is that you will get in to see your accustomed doctors if you have Cigna as an insurer. From what I’m told by friends who are healthcare professionals, Aetna is even worse. When Cigna was our only choice (a state of affairs that devolved the last time our present governor was in power: coincidentally, her husband is a senior executive with that outfit), one of my doctors would not see me at all, even after I offered to pay him in cash! I had to go out and buy private insurance on the open market in order to have any choice at all in medical care—and around here, where medical care is about as good as the educational system, you do need to have some control, in the form of choice as to which doctors you will and will not see and which hospitals you will and will not end up in.
Since relatively few Arizonans are sensitive to this fact (in a right-to-work-for-nothing state, employees are just happy to get any health insurance), a limited choice of plans is probably not the issue. Some people will be annoyed, but not to the extent that the Mouthpieces will feel a need to have men toting guns present at public meetings.
No. The issue will be that the cost is going to go through the roof. And that will set people off.
The furloughs have done so much damage that a permanent pay cut in the form of a gigantic hike in health insurance premiums really will cause some serious outrage. We have had our salaries back to normal now for one, count it, one week. Over the past six months, I’ve been working at a $500/month cut in pay. My associate editor announced that she’s looking for another job, because the new little number they’re doing on her has cut her take-home pay to $200 a week.
If they raise insurance premiums to $200-plus for one person (which is what all the plans that are not HMOs other than the EPO presently cost), that will leave her working for…yes! nothing. Zero take-home pay. At that point, she’ll be better off to quit. Applebee’s, where she earns more in five hours than GDU was paying her in a week before its current shafting of her, offers a rudimentary form of health insurance that would carry her over until such time as she can find a decent job. My guess is, she’ll walk right out our door.
A-n-n-n-d… If that’s what comes down, I can’t do all her work plus all the work of the research associate they’re not replacing. Even if it’s only for four months, between September and Canning Day, I may be forced to quit, myself. Supposing Her Deanship agrees to let that much of our workload go and still keep our office open, an exorbitant health care premium will bring an end to my plan to save up enough cash to get by in the coming penury. It’s pointless to work yourself to death if the pay doesn’t do you any good. I’d probably be better off to quit, myself.
What a place!
We’re told the university system is getting $154 million in stimulus funding (quite a lot for educational institutions in this state, which tells you something right there: it’s a tiny, tiny drop compared to the amounts forked over to revive the automobile industry and to lay down more asphalt across our state). GDU is supposed to get the largest part of this.
When Her Deanship was canning me and again when she was raving on about how brilliant I am, several times she murmured that “there might be something” come December. Apparently they hope to find a way to salvage some part of our program if they get some money. But I’d have to think once, twice, three times about any such offer.
First, I really resent the prospect of another $300 to $500 cut in pay. Now, I realize that I’ll be paying something like that for Medicare out of a vastly smaller income. But it’s the principal of the thing: at least on Social Security I won’t have to work for my pittance. (I’ll have to work to scrape together two other pittances in order to survive…but we’ll overlook that for the time being. 🙂 ) Second, I’ve come to feel so angry about the way that outfit has treated my staff that I can barely stand to drive out there and walk onto the campus. And third, I’m tired of waking up at 4:00 in the morning and not being able to sleep for worrying about…well, about shit like this!
Helle’s Belles. I’m going back to bed. Too late to drug myself: I have to drive a car in a few hours. But damn it. There’s a limit to these three-hour nights.
The state had decided on 3 health insurers — the two you mentioned and Ameriben, which is contractor for Blue Cross/Blue Shield. The pricing was put out on the Web site a week or so ago and I downloaded it along with all the changes. The main difference is that the co-pays are going up by 50% — from $10 to $15 for primary doctors and from $20 to $30 for specialists.
But now there is a protest of the contract, but we don’t know by whom. Maybe United is protesting, or one of the other insurers that are not coming back.
Interesting! Who’s United? I don’t recall that one among the choices.
So the EPO is definitely gone, then? La Maya went in person to HR less than a week ago and was told they didn’t know what insurers we would have or what plans would be offered. There’s not even any mention of open enrollment on the HR site today…and open enrollment starts Monday!
Update: Of course: United Healthcare. Doesn’t compute on my internal hard drive…one of my neighbors died in their HMO — same old story: docs told him a big lump on his neck was an infection, kept telling him that for months, all the while he was being eaten up by cancer. Same illustrious outfit told the past-child-bearing-age wife of one of my colleagues that a persistent breast discharge was a milk duct infection, when all her symptoms were classic breast cancer…which is exactly what she had, come to find out after three months of ineffective antibiotic treatment. So when I hear “United” I hear “not an option”
United has an EPO and PPO, so it was individual doctors who botched it up, not United (unless they denied care).
The state used to use CIGNA’s HMO, but now CIGNA will have an EPO only. Aetna and Blue Cross/Blue Shield will offer EPOs and PPOs.
EPO: good, if it’s as good as the one we’ve had through Harrington. That one has paid all my bills (tho’ they’ve been pretty insignificant, since I have no ailments to speak of), except for fighting with the Mayo for about a year over a $170 payment. The Mayo’s billing rep said the Mayo takes all of Cigna’s plans but not Aetna. And the last I checked (which was some time back, so this may have changed) they didn’t do Blue Cross, either.
IMHO, when a doctor sees obvious symptoms of cancer and either says there’s nothing wrong with the person (as in my mother’s case) or thinks it’s an infection (as in the other two cases, above), that is a form of denial of service.
None of these were situations where the cancer was obvious only in retrospect: anyone could see what was ailing these people, and in my mother’s case, someone did see it. I paraded her by an internist, the husband of a friend and neighbor, who knew exactly what was wrong from the moment he examined her. Unfortunately, he was not in Blue Cross’s HMO, and so my parents couldn’t afford to have him treat her. And everyone who knew my mother — and that she had smoked heavily since the age of 16; spent 10 years living next to an oil refinery, breathing fumes and drinking God only knows what was in the water; and watched both her parents die of cancer in their early 40s — also knew what was wrong with her. That’s not incompetence: that’s deliberate neglect.
When you see that sort of thing repeated over and over among HMO patients, it’s hard not to conclude that something systemic is involved.