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View Diary: AFL-CIO adopts resolution criticizing part of Obamacare (107 comments)

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  •  Union Coverage (0+ / 0-)

    I am a cement mason, And OUR Plan work's like this We contribute x amount, And WE are required so many hours per qtr, The last 4 years Most of us have been ubable to get the hours to keep and maintain our INS. I do work with multi-employers throughout the year, That Money is deducted and if you fall short, oh well, Now then For those who don't know, If you go to Healthcare.Gov you can LIVE CHAT and ask any question, Explain your situation and get answers. Well after chatting, I do qualify to sign up. granted I don't know what My Union is going to do yet. But, I cant speak for those in other Unions across the Country, Only Mine, I am tired of giving thousands to our Ins Carrier and NOT having anything to show. We would love to dump our Plan, And sign up on the Exchange. I would like to hear from those who have Plans like mine and get your input. thanks

    •  That is kind of the nature of true "insurance". (0+ / 0-)
      I am tired of giving thousands to our Ins Carrier and NOT having anything to show.
      Insurance coverage is intended for unexpected, and generally catastrophic, events. True, some health insurance plans (and with the implementation of ACA, all will) have a "prepaid" component - you pay in advance for predictable preventative healthcare so that part isn't actually "insurance" (just a prepayment of services you may or may not use in the end).

      I'm curious, do you regret that your house/apartment hasn't burned down so you "have something to show" for your house or renter's insurance premiums? Would you be happier if you got cancer and heart disease so you could "have something to show" for your health insurance expenditures? Do you hope to get broadsided by a drunk driver so your auto insurance will pay off?

      •  true nature of INS (0+ / 0-)

        Maybe you didn't understand my post, I do NOT have INSURANCE, NONE, I contribute hourly, BUT because work has been slow, I and many others are unable to qualify for our INS. MY plan is based on a certain # of hours per quarter, WE contribute a dollar amount per hour, FOLLOW me? If you do not get the required hours per quarter, NO INSURANCE, The money contributed per hour, GOES to the INS Carrier, I GET NO INSURANCE, GET IT??, BTW, I am also a Fireman!!

        •  True Nature (0+ / 0-)

          So maybe You understand my situation, You work many hours, The money gets contributed, But you fall short of what is required, So what can and does happen, You contribute $$$ to the INS Carrier, But because you did not meet the requirement (hours) What you "Don't have to show" so to speak is Actual Insurance Coverage, NONE, ZIP, NADA. That is what I meant.

          •  Sorry, nope I didn't get that... (0+ / 0-)

            ...because I misread your comment -- perhaps because reality is so bizarre in this case.

            That's a bizarre situation where you pay for insurance but you don't actually receive coverage unless you work some number of hours (I presume that's a proxy for contributing some minimum amount of money to the insurance pools).

            I'm curious why this is "acceptable" to the other members of your union. Surely there must be a better way (albeit, one where you may have to "top off" the premiums out of your own pocket if you can afford it). This sounds like a subsidy to the members who can for some reason find enough work to meet the "minimum hours worked" -- why should you pay for their insurance with no benefit to yourself?

            •  Willr (0+ / 0-)

              First, I didn't mean to come off as an A$$ whole, Not my intention, Prior to the ACA, There wasnt to many Policies to pick from. When work is Good, No problem Getting the Hours, But when work is slow, WE cant do it, AND no it is not exceptable, WE have been screaming for years!! As for out of Pocket, WE can only self pay once per year. Exactly, The Plan was good during Normal Work times, But never took into consideration when times get slow. So as I said, For us, The exchange is a better option. My plan requires 800 hours per year, 200 per qtr, to Maintain coverage, here is an example, Now let's say it is a slow year, I work 175 hours each quarter, 700 total, Sorry, NO INS, And to frickin ice the cake, To reinstate, IF I do not get 273hrs that is an extra 73 hours the following quarter,  Sorry, NO INS. The INS dictates this. Many aspects just happened to show up. Also, that many hours, 700 x hrly. rate of Contribition= $$$$, Now then just to add this, Next time anyone complains why a UNION rejects a raise in Contribution to Health ans Welfare, It is because of BULLSH&T like this, This is the Crap that NEVER, NEVER gets reported by the media.

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