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Old 02-12-2019, 11:03 AM   #51
bullhead44
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Old 02-12-2019, 11:16 AM   #52
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Sorry to read this Kuma. My wife is also a retired teacher and is having to deal with these same issues. The health insurance industry is headed down a very bad road for reasons I'm not sure I understand.
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Old 02-12-2019, 11:17 AM   #53
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Originally Posted by meltingfeather View Post
BS... our healthcare costs and insurance premiums were skyrocketing long before Obamacare.
I do not disagree with that statement. But are you saying banning pre-existing conditions, covering preventive care without co-pays or a deductible, allowing adult children to stay on parentsí policies until age 26, increasing annual coverage limits, etc... didn't affect our premiums?
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Old 02-12-2019, 11:27 AM   #54
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Sorry to read this Kuma. My wife is also a retired teacher and is having to deal with these same issues. The health insurance industry is headed down a very bad road for reasons I'm not sure I understand.

Simple. Healthcare costs have risen exponentially and lawsuits against the medical industry have grown exponentially, thereby causing more rising costs. Insurance companies are here to make money, and MANY healthcare plans for retirees are just not sustainable at previous premiums, especially with pre-existing conditions.

I still can't imagine that with the previous TRS healthcare plan, participants paid copays BEFORE they reached the deductible? That may be correct, but that just doesn't seem to correlate to most insurance policies I have had...but I am not familiar with TRS insurance.

Last edited by Burnadell; 02-12-2019 at 11:32 AM.
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Old 02-12-2019, 11:47 AM   #55
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I was shocked too when I looked at the trs insurance for retirement. Was thinking of retirement soon but I don’t know now. That is ridiculous to have to meet your deductible before the insurance kicks in. Wow what a slap in the face trs. The plan I have now is pretty decent. But that will change if I choose to retire.
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Old 02-12-2019, 11:53 AM   #56
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Originally Posted by Burnadell View Post
I still can't imagine that with the previous TRS healthcare plan, participants paid copays BEFORE they reached the deductible? That may be correct, but that just doesn't seem to correlate to most insurance policies I have had...but I am not familiar with TRS insurance.
I wish my insurance worked this. I go to the doc every 3 months on a normal year. I don't come close to my deductible.
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Old 02-12-2019, 11:59 AM   #57
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Originally Posted by ladybluearm View Post
I was shocked too when I looked at the trs insurance for retirement. Was thinking of retirement soon but I donít know now. That is ridiculous to have to meet your deductible before the insurance kicks in. Wow what a slap in the face trs. The plan I have now is pretty decent. But that will change if I choose to retire.
There are different levels you can choose from. On the top their, copays kicks in immediately. On the bottom, you have to meet your deductible before the copay kicks in. At least I think thatís how it works. They keep changing it every year. I just changed my coverage this year from the top tier to the bottom. I hardly ever go to the dr, so I figured why pay for something I never use. Went with the cheap route and some supplemental insurance in case of something major happening
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Old 02-12-2019, 12:00 PM   #58
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I'm just going to be thankful that any of my office visits are covered by copay.
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Old 02-12-2019, 12:01 PM   #59
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Wish politicians would be put on medical/ pension plans like the ones that are good enough for us all. Most are wealthy but it has always made me wonder why they get vested into a pension after only a few years of service, Iíd say give our vets that same pension/medical package .


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I have never understood why politicians can pass laws they are exempt from. I doubt if they were subject to things like Social Security & the Affordable Care Act things would not be the way they are.
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Old 02-12-2019, 12:05 PM   #60
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On the retirement plan I don’t think there are different levels, not the way I am reading it. If it were that would be great!
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Old 02-12-2019, 12:15 PM   #61
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Originally Posted by ladybluearm View Post
On the retirement plan I donít think there are different levels, not the way I am reading it. If it were that would be great!
I think you are correct about retirement insurance. I know I have a couple of friends who have retired in the past 2 years, and they dont like the insurance.
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Old 02-12-2019, 12:15 PM   #62
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so you want people to feel enraged that your wife retired early and has to pay a little more for healthcare than the rest of us... who have to wait till we get medicare to retire.
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Old 02-12-2019, 12:17 PM   #63
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If they are teachers, they should already know it
So is that just your opinion then?
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Old 02-12-2019, 12:20 PM   #64
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That's why I carry my wife on my insurance. Teacher benefits sick. We can spend $712 billion a year on bombs and new jets we don't need but can't take care of our educators.

Gary
THIS. How many trillions of dollars have we wasted meddling around in God awful places since Vietnam?

Side note - I can have this opinion and still respect and honor veterans of all the wars I may disagree with.
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Old 02-12-2019, 12:20 PM   #65
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Teachers will know about the insurance when they go to a retirement seminar. I have been to two of them with my wife, and it is all explained then. When she retired we decided it was best for her to take the TRS insurance. I will have 30 years very soon, and will take it as well. Not the best, but surely not the worst either.
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Old 02-12-2019, 12:29 PM   #66
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The state is trying get people to stop retiring at an early age. The old rule of 80 makes it possible to retire in your mid 50ís. Now they are penalizing people who retire early by hitting them with high health care premiums and deductibles. People coming into the profession now will not have the option of retiring at the rule of 80. It used to be one of the few perks of the teaching profession. Now, not so much
Yes and the city as well but you can't abuse and over use your employees and expect them to put up with it for any longer than they have to. Fortunately there are enough who love teaching that hang in there for the kids long after they are eligible for retirement.
They keep piling requirements and documentation on teachers forcing them to be at work 10+ hours a day and then a couple hours of work nightly not to mention work on weekends and continuing education in the summer. It's shameful how little we value our teachers, how little support our education system gets and how grossly ignorant most people are to the challenges our educators face.

Gary
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Old 02-12-2019, 12:30 PM   #67
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So is that just your opinion then?
The TRS website gives tons of information about it. All teachers also have access to "my TRS" which will be show them exactly how much they have in their retirement account. There is a retirement calculator on it which will show you when you are eligible to retire and how much each check will be.

I guess my opinion would be that if they dont have information on retirement, they have made no effort to find out about it. There is also lots of information on the website about retirement insurance. I used to not be as informed as I am now, but since I am getting closer to being retirement eligible, I have looked into it more.
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Old 02-12-2019, 12:35 PM   #68
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Originally Posted by Burnadell View Post
Thatís the way I have always had to handle it. The deductible has to be met before the insurance policy pays. Thatís what a deductible is.
For me/family, doctor visits co-pay is seperate from deductible. Man hope that doesnít change
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Old 02-12-2019, 12:42 PM   #69
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Originally Posted by tx_basser View Post
so you want people to feel enraged that your wife retired early and has to pay a little more for healthcare than the rest of us... who have to wait till we get medicare to retire.
Retired early? He said she did 30+ years didn't he? I have been a teacher for 14 years and am looking to get out. The pay doesn't justify it anymore. Do I make a decent living? yes. But I have been looking for other work where I can make triple the amount of money and actually afford to save some moeny and invest.
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Old 02-12-2019, 12:46 PM   #70
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No it means pay attention when open enrollment comes around - read the information they send you - don't get mad at me - I am just telling you that the benefits do not just "change" without TRS and the insurance company notifying you

Sorry you are in this position

So if they notify me and I don't like the change --- I can just say no thanks-- I'll just stick with my OLD plan. If your retired on a pension you worked for 30 plus years they shouldn't be able to just decide to change it.
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Old 02-12-2019, 12:47 PM   #71
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Originally Posted by bullhead44 View Post
The TRS website gives tons of information about it. All teachers also have access to "my TRS" which will be show them exactly how much they have in their retirement account. There is a retirement calculator on it which will show you when you are eligible to retire and how much each check will be.

I guess my opinion would be that if they dont have information on retirement, they have made no effort to find out about it. There is also lots of information on the website about retirement insurance. I used to not be as informed as I am now, but since I am getting closer to being retirement eligible, I have looked into it more.
You wrote, "Now they are penalizing people who retire early by hitting them with high health care premiums and deductibles.". I searched the TRS site and cannot find any penalty for taking retirement when eligible. My wife is in the TRS system so if you find the exact penalty please let me know so she can avoid it.
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Old 02-12-2019, 12:51 PM   #72
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Originally Posted by Burnadell View Post
Simple. Healthcare costs have risen exponentially and lawsuits against the medical industry have grown exponentially, thereby causing more rising costs. Insurance companies are here to make money, and MANY healthcare plans for retirees are just not sustainable at previous premiums, especially with pre-existing conditions.

I still can't imagine that with the previous TRS healthcare plan, participants paid copays BEFORE they reached the deductible? That may be correct, but that just doesn't seem to correlate to most insurance policies I have had...but I am not familiar with TRS insurance.
I pay a $30 copay to go see my doctor no matter my deductible status. $40 for a specialist.
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Old 02-12-2019, 12:52 PM   #73
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Originally Posted by jmeghunts View Post
You wrote, "Now they are penalizing people who retire early by hitting them with high health care premiums and deductibles.". I searched the TRS site and cannot find any penalty for taking retirement when eligible. My wife is in the TRS system so if you find the exact penalty please let me know so she can avoid it.

I guess you misunderstood the "penalty " statement. there is no actual penalty. They changed the insurance 2 years ago for people who retire before they are eligible for medicare. By "penalty" I mean they are now charged more $ for less coverage. Ask your wife about it. She should be able to fill you in.
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Old 02-12-2019, 12:53 PM   #74
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I guess you misunderstood the "penalty " statement. there is no actual penalty. They changed the insurance 2 years ago for people who retire before they are eligible for medicare. By "penalty" I mean they are now charged more $ for less coverage. Ask your wife about it. She should be able to fill you in.
Ok thanks.
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Old 02-12-2019, 12:56 PM   #75
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It’s difficult when you are vested and looking long term towards retirement. I am ERS and the state and many local municipalities revise their rising healthcare contracts to save current rising healthcare costs by restructuring plans, which includes retirement benefits to keep costs down for current employees. It’s a numbers game to executive staff, but basically current employees rates or retired employees rate increase. It sucks as someone takes the hit and it should be revised on a national level.
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Old 02-12-2019, 01:11 PM   #76
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I thought this was an interesting quote from the TRS website

The Texas Legislature determines the funding of benefits and has no continuing obligation to provide benefits beyond each fiscal year.
(Required disclosure by House Bill 2365)

This one is on the ERS website

*Notice about Insurance - Health and other insurance benefits for employees and retirees are subject to change based on available State funding. The Texas Legislature determines the level of funding for such benefits and has no continuing obligation to provide those benefits beyond each fiscal year.

I
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Old 02-12-2019, 01:13 PM   #77
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The root of nearly all of this is people not taking care of themselves & our system keeping people alive too long.

Our obesity rate is like 35%. It’s a no brainer that Healthcare costs are going to continue to increase.

There’s no telling how much it costs us all.
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Old 02-12-2019, 01:30 PM   #78
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So if they notify me and I don't like the change --- I can just say no thanks-- I'll just stick with my OLD plan. If your retired on a pension you worked for 30 plus years they shouldn't be able to just decide to change it.
Bingo! Sorry to any and all going thru this.

And if you don't think insurance, etc is all a scam I don't know what to tell you. The medical industry and insurance are in bed together and the consumer is the one suffering with no real alternative thanks to obamacare.

A few years ago I had tennis elbow and went to the doctor. He gave me a band to wear and I paid the doctor on my way out. A few weeks later I received a bill for the band. It was from a 3rd party (never mentioned in dr office) and not part of the doctors office visit. The bill was for over $100 dollars. I called them to discuss and they said that was the "negotiated rate" with the insurance company and that was it. I did a quick internet search for the band and WalMart had it online for $18 (SAME BAND). I called back to discuss and they said they didn't care what price WalMart was selling it for, that was the "negotiated rate". I hung up and called back a 3rd time but this time I asked for their sales department and didn't mention any previous conversations. Within a minute, the sales lady said I could buy the band from her for $25. Same company, same band. I said thank you and asked to be transferred to billing immediately. This time, I didn't let them talk. I told them their sales department just informed me the cost of the band was $25 and that is ALL I was paying. They ended up accepting the $25. If this sounds like a fair business model, I don't know what to tell you and this is just one of the smallest examples.

So once again, IN. BED. TOGETHER!! Pure scam and we are the ones getting screwed. I have more examples of friends without insurance paying 1/3 of the cost I pay as the insurance "negotiated rate" for the exact same services.

Last edited by cehorn; 02-12-2019 at 01:34 PM.
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Old 02-12-2019, 01:38 PM   #79
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I do not disagree with that statement. But are you saying banning pre-existing conditions, covering preventive care without co-pays or a deductible, allowing adult children to stay on parentsí policies until age 26, increasing annual coverage limits, etc... didn't affect our premiums?
I didnít say any of that.
I am interested how you reconcile the data with your hypothesized Obama effect.
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Old 02-12-2019, 01:53 PM   #80
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Bingo! Sorry to any and all going thru this.

And if you don't think insurance, etc is all a scam I don't know what to tell you. The medical industry and insurance are in bed together and the consumer is the one suffering with no real alternative thanks to obamacare.

A few years ago I had tennis elbow and went to the doctor. He gave me a band to wear and I paid the doctor on my way out. A few weeks later I received a bill for the band. It was from a 3rd party (never mentioned in dr office) and not part of the doctors office visit. The bill was for over $100 dollars. I called them to discuss and they said that was the "negotiated rate" with the insurance company and that was it. I did a quick internet search for the band and WalMart had it online for $18 (SAME BAND). I called back to discuss and they said they didn't care what price WalMart was selling it for, that was the "negotiated rate". I hung up and called back a 3rd time but this time I asked for their sales department and didn't mention any previous conversations. Within a minute, the sales lady said I could buy the band from her for $25. Same company, same band. I said thank you and asked to be transferred to billing immediately. This time, I didn't let them talk. I told them their sales department just informed me the cost of the band was $25 and that is ALL I was paying. They ended up accepting the $25. If this sounds like a fair business model, I don't know what to tell you and this is just one of the smallest examples.

So once again, IN. BED. TOGETHER!! Pure scam and we are the ones getting screwed. I have more examples of friends without insurance paying 1/3 of the cost I pay as the insurance "negotiated rate" for the exact same services.
This is a huge problem with medical cost, the insurance/PPO's are in bed together. There is nothing else we as consumers buy without knowing the cost and have no way to determine the costs but simply get billed weeks later. PPO negotiated reimbursements have no relationship to actual costs and until that is fixed we will always have this problem. I have seen many examples of items hospitals charge extremely high prices for and it just get paid by the insurance company because it is the negotiated rate. Things like $10 - $15 for Tylenol or tooth brushes or $1,000.00 for a screw (not that kind) or MRI's in the same city costing between $1500 - $6000 or more. Until there is some basis for what is being charged instead of a discount off billed charges this will continue to be an issue.
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Old 02-12-2019, 01:55 PM   #81
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I still can't imagine that with the previous TRS healthcare plan, participants paid copays BEFORE they reached the deductible? That may be correct, but that just doesn't seem to correlate to most insurance policies I have had...but I am not familiar with TRS insurance.
I think the way it works is that the patient pays the co-pay when they walked into the doctors office, then the doctor submits the charges to the insurance company. The insurance company adjusts the bill with the doctors office, accounting for whatever discounts or unallowable charges to the patient are applicable. At that point, the insurance company applies the adjusted amount to the patients deductible and the doctors office bills the patient for the adjusted amount minus the co-pay.

Edit for clarification: Your statement seems completely correct. It's that most people don't understand health insurance. Add on to that the fact that some people think insurance companies exist to pay claims but not collect premiums just complicates the matter even further.

The co-pay essentially worked as a down payment against the final charges at the doctors office.

That's my basic understanding of it.

Last edited by BigWes; 02-12-2019 at 02:06 PM. Reason: Clarification
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Old 02-12-2019, 02:05 PM   #82
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Originally Posted by meltingfeather View Post
I didn’t say any of that.
I am interested how you reconcile the data with your hypothesized Obama effect.
Can you give the deductibles along with coverage/services with that as well? How about the doctors that are still accepting insurance (remember we were supposed to be able to keep our doctors with the same coverage if we liked them, obama lie number 625,348)? Deductibles have gone up and coverage has gone down from everything I've seen. Bottom line is with obamacare I'm sitting at ~$1k a month in premiums on a high deductible plan with a ~$6k deductible, so $18k before I receive any benefit at all. The system is fubar and obama had more to do with it than anybody. Prior to obama care I was in the same industry with fairly standard insurance and while you are right the premiums weren't that much lower the coverage and out of pocket were drastically better before obamacare.

Last edited by cehorn; 02-12-2019 at 02:10 PM.
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Old 02-12-2019, 03:06 PM   #83
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My sister & her husband were on Otraumacare for awhile and they had issues finding doctors that would accept the insurance in the Corpus Christi area. They’ve since switched to other insurance options
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Old 02-12-2019, 03:36 PM   #84
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Originally Posted by Burnadell View Post
I still can't imagine that with the previous TRS healthcare plan, participants paid copays BEFORE they reached the deductible? That may be correct, but that just doesn't seem to correlate to most insurance policies I have had...but I am not familiar with TRS insurance.
The previous TRS health insurance was not a high deductible HSA plan, like most of us in the private sector have had for the last several years. It was an older, more expensive (for whoever was paying the premiums - TRS), PPO type plan that had lower deductibles and low co-pays for office visits, etc... It was similar to what I had 25 years ago when I worked for State Farm. Great coverage for the insured participants, but as healthcare costs have risen astronomically over the last decade, those types of plans are just flat out unaffordable and unsustainable nowadays.

TRS retirees are now experiencing the kind of sticker shock that the rest of us experienced whenever Obamacare first came into being 10 years ago. Even before Obamacare, most of the private sector plans had already gotten away from PPO low deductible low co-pay plans and gone to high deductible HSA plans.

I'm sorry that all my family and friends who teach or are retired teachers are experiencing the same thing as the rest of us. But welcome to the "party".
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Old 02-12-2019, 03:49 PM   #85
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Originally Posted by Shane View Post
The previous TRS health insurance was not a high deductible HSA plan, like most of us in the private sector have had for the last several years. It was an older, more expensive (for whoever was paying the premiums - TRS), PPO type plan that had lower deductibles and low co-pays for office visits, etc... It was similar to what I had 25 years ago when I worked for State Farm. Great coverage for the insured participants, but as healthcare costs have risen astronomically over the last decade, those types of plans are just flat out unaffordable and unsustainable nowadays.

TRS retirees are now experiencing the kind of sticker shock that the rest of us experienced whenever Obamacare first came into being 10 years ago. Even before Obamacare, most of the private sector plans had already gotten away from PPO low deductible low co-pay plans and gone to high deductible HSA plans.

I'm sorry that all my family and friends who teach or are retired teachers are experiencing the same thing as the rest of us. But welcome to the "party".
This is correct. The only thing I would say is that those outside of teaching typically have a higher total compensation package and can stomach the cost a bit easier than teachers. My wife teaches and there is no way that she and my son could afford any of the insurance packages offered last year if something were to happen to me (which is why I have a healthy life insurance policy). The single teacher plan is actually very reasonable, but the jump to family plans is absolutely crazy....which is by design.
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Old 02-12-2019, 03:59 PM   #86
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Now is the time to get onto your rep and senator in Austin. They were just talking about this yesterday. Some are waffling on adding a cost of living increase in the pension.

Call them!
Hound them!
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Old 02-12-2019, 04:02 PM   #87
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this is correct.


This is correct. ERS is for all state employees excluding teachers. My wife is in ERS and Iím in TRS. Iím thinking about dropping mine and being added to hers. I think it Would save us money when we retire
The legislature can make the same changes for ERS as well. Think the chances are slightly less, there more people in ERS which translates into more ticked off voters at the polls.
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Old 02-12-2019, 04:13 PM   #88
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Originally Posted by meltingfeather View Post
I didnít say any of that.
I am interested how you reconcile the data with your hypothesized Obama effect.
Your graph only shows the premium cost. You also have to factor in that since Obamacare, you get a lot less coverage and a lot higher deductibles.
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Old 02-12-2019, 04:20 PM   #89
Jason Fry
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Originally Posted by meltingfeather View Post
You must be an outlier for some reason. to pretend that there were good ole days prior to Obama with the mountains of healthcare cost data we have is head-in-the-sand, partisan, revisionist history. The rate of healthcare cost increase has actually been decreasing, but it is still astronomical.
Note that the y axis is rate of increase.
That's a tricky graph. Shows a decline, but that's only a decline in the RATE of INCREASE. What it shows is a huge cumulative increase in cost over the entire time period.

It's like "I will kill you slower, see, here's a graph."
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Old 02-12-2019, 04:25 PM   #90
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What I'm taking away from this thread: Keep staying in good shape because I cannot afford to get sick.
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Old 02-12-2019, 04:48 PM   #91
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I assume the OP is less than 65 & the TRS is primary plan. Once you hit 65 Medicare becomes primary & any other coverage you have becomes secondary. My question is do most supplementary plan options fall under an HSA plan? I’ve heard Medicare has a supplemental part & is that sufficient or do you still need to seek a private supplementary plan? I don’t have much experience with this but I do know that my dad who retired with the state has Medicare as his primary & his ERS Humana plan picks up as secondary & it pays 100% after copay
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Old 02-12-2019, 05:01 PM   #92
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What is this pension thing that some of you talk about? And a former employer providing health insurance after retirement? And in your 50's!?!? Now I know you are talking nonsense.
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Old 02-12-2019, 06:07 PM   #93
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Bingo! Sorry to any and all going thru this.

And if you don't think insurance, etc is all a scam I don't know what to tell you. The medical industry and insurance are in bed together and the consumer is the one suffering with no real alternative thanks to obamacare.

A few years ago I had tennis elbow and went to the doctor. He gave me a band to wear and I paid the doctor on my way out. A few weeks later I received a bill for the band. It was from a 3rd party (never mentioned in dr office) and not part of the doctors office visit. The bill was for over $100 dollars. I called them to discuss and they said that was the "negotiated rate" with the insurance company and that was it. I did a quick internet search for the band and WalMart had it online for $18 (SAME BAND). I called back to discuss and they said they didn't care what price WalMart was selling it for, that was the "negotiated rate". I hung up and called back a 3rd time but this time I asked for their sales department and didn't mention any previous conversations. Within a minute, the sales lady said I could buy the band from her for $25. Same company, same band. I said thank you and asked to be transferred to billing immediately. This time, I didn't let them talk. I told them their sales department just informed me the cost of the band was $25 and that is ALL I was paying. They ended up accepting the $25. If this sounds like a fair business model, I don't know what to tell you and this is just one of the smallest examples.

So once again, IN. BED. TOGETHER!! Pure scam and we are the ones getting screwed. I have more examples of friends without insurance paying 1/3 of the cost I pay as the insurance "negotiated rate" for the exact same services.
So cancel all your insurance and do what your friends are doing - pay 1/3 of the cost out of your pocket. If you have a heart attack, stroke, transplant, etc. you will only have to pay 1/3 of the total bill - sounds like a plan to me
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Old 02-12-2019, 06:44 PM   #94
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Sorry to read this Kuma. My wife is also a retired teacher and is having to deal with these same issues. The health insurance industry is headed down a very bad road for reasons I'm not sure I understand.
Thanks Buddy and sorry your wife AND you are going thru the same thing. I've been reading the responses and I would bet your wife had/has the same issues?

Before 2019, again, Susan paid her co-pay for office visits. Same with prescriptions. When she had hip replacement surgery she had to write a check for what was remaining of her Out of Pocket, which we understood.

The whole reason for my OP was again, she was told by initially her long time physicians office it had changed and there are a LOT of those on TRS that were NOT aware until 2019 hit.

Per her conversations with former colleagues, this mainly applies to those who have retired and not current practicing teachers. But ALL are worried where their $$ are going and the downward spiral the Texas Legislators are willing to screw them with!!

For those who say just forget ANY health care insurance, pray that you are not injured or have a condition that really sucks the $$ out of your family! Anything, depending on your age, is better than nothing it all but it still does not make it right for 30+ years of salary investment into a plan?!

I resisted commenting on one response that insinuated keeping us Ole' Folk living when not working and retired was killing the system. Everyone get's old and hopefully can retire so some should rethink their comments or pull their head out of their southern orifice and Wake Up!

I would bet most if not ALL on TBH have worked their butt's off and been responsible citizens..and of course there are many who are not even close to retirement that may have NO clue as to what they are facing.

Take care QB and hope you and your wife enjoy the days ahead, God Bless!!
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Old 02-12-2019, 06:50 PM   #95
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Healthcare costs are ridiculous. TRS is even worse. All the way around, from insurance to retirement packages. It is a joke.

I just got a $1400 bill in the mail from the birth of my second child. She is about to turn 2. We were double-insured at the time of her birth (my wife and I both had family coverage)
Such a freakin scam.
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Old 02-12-2019, 07:00 PM   #96
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Originally Posted by bowhntrmatt View Post
Healthcare costs are ridiculous. TRS is even worse. All the way around, from insurance to retirement packages. It is a joke.

I just got a $1400 bill in the mail from the birth of my second child. She is about to turn 2. We were double-insured at the time of her birth (my wife and I both had family coverage)
Such a freakin scam.
Having two different insurance coverages does not mean you have no out of pocket cost - been that way for years. You still have deductibles and co insurance that have to be paid. To my knowledge there is no such thing out there where you pay zero for medical cost
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Old 02-12-2019, 07:14 PM   #97
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Originally Posted by meltingfeather View Post
BS... our healthcare costs and insurance premiums were skyrocketing long before Obamacare.


Negatory sir! Go back and do your research. The issue were kids being on insurance until 26 and preexisting disease. According to the dems. Yes insurance was high for some but the majority was covered. Now not so much due to an 08 and 12 congress hell bent on the governemnt controlling the need to provide insurance to all.

Well it did not work out and we are still screwed.


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Old 02-12-2019, 08:07 PM   #98
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Sounds like the moral of the story is to try your best to stay healthy via good dieting and regular exercise to avoid a lot of chronic care and hope no catastrophic diagnosis comes along. I know that may sound like luck to some but there are some chronic conditions that can be minimized or avoided with striving for better overall health
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Old 02-12-2019, 09:30 PM   #99
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Everyone should strive for doing their best to stay healthy via good diet and exercise no matter what their insurance coverage is. That should be a given for everyone. Truth is many folks do not take care of themselves - overweight, use tobacco, never exercise, etc. -- then when it comes time to face that reality they do not want to pay for THEIR decisions.

Health insurance has been and never will be there to keep anyone from paying anything out of their pocket for their health conditions. Rather it is there to share the cost with you for your medical care - If your policy has an out of pocket maximum you have to pay of $6000 for on a transplant that cost a million dollars then anyone here would take that deal in a minute.

No, health insurance is not perfect - But the fact is insurance companies are not here for the "public good" - they are companies like any others that must make a profit or they will go out of business. They also pay out millions of dollars in claims for transplants, heart attacks and strokes every day. It is not cheap to pay for many people's bad lifestyle choices. The truth hurts.

So if you hate health insurance then self insure yourself and be prepared to incur and pay for a catastrophic claim on your own -------- then count on filing for personal bankruptcy.

Last edited by Huntingfool; 02-12-2019 at 09:34 PM.
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Old 02-12-2019, 10:08 PM   #100
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Originally Posted by Huntingfool View Post
Everyone should strive for doing their best to stay healthy via good diet and exercise no matter what their insurance coverage is. That should be a given for everyone. Truth is many folks do not take care of themselves - overweight, use tobacco, never exercise, etc. -- then when it comes time to face that reality they do not want to pay for THEIR decisions.

Health insurance has been and never will be there to keep anyone from paying anything out of their pocket for their health conditions. Rather it is there to share the cost with you for your medical care - If your policy has an out of pocket maximum you have to pay of $6000 for on a transplant that cost a million dollars then anyone here would take that deal in a minute.

No, health insurance is not perfect - But the fact is insurance companies are not here for the "public good" - they are companies like any others that must make a profit or they will go out of business. They also pay out millions of dollars in claims for transplants, heart attacks and strokes every day. It is not cheap to pay for many people's bad lifestyle choices. The truth hurts.

So if you hate health insurance then self insure yourself and be prepared to incur and pay for a catastrophic claim on your own -------- then count on filing for personal bankruptcy.
While there is some wisdom in what you say you are remiss on two facts. First the TRS insurance has been expensive and pitiful for at least 33 years. That's how longbive carried my wife on mine.
Second I have seen a steady decline in the quality of the coverage I have with the passing and forcing of "Obamacare". The facts are clear, real and documented.

Gary
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