You supply an excellent example of how us 'plebes' have to deal with the HC option whereas our gifted and oh so wise leaders have the best care you and I will never have.....
Nice post Titan......
I'm sure Obama and your hero's will tighten us up on
their HC coverage....... :mf_boff: :mf_boff:
Delldude, you do know that all government employees pay for a portion of their health care See the data below). They have about 5 plans to choose from. There are HMO's, PPO's, and standard Fee for Service (FFS). One is BCBS PPO or standard. I will use that as an example because that is by far the most popular plan used by Federal Employees.
It is the same as any other person who gets BCBS. The Feds pay about 72% and the workers pay about 28%.
When I say government workers, that means all permanent Federal Employees. That includes The United States Senate and The United States House of Representatives. The President obviously has a different plan...He gets what he needs whenever he needs it. The one big perk for congress that other federal employees do not have is the in house pharmacy and emergency care for them. Other than that, they have a plan just like everyone else who does have health insurance converge. One big difference is that when you join the federal government, their is no denial of coverage of pre-existing conditions. Something that all of the health care reform proposals have in it.
One other thing, there is no dental and vision included in the health plan. It is optional additional coverage that costs more money. The BCBS health plan only offers the most basic dental (one x-ray and two cleanings/per year).
Here is how the premium is divided. This is from the
OPM website and covers all Federal Employees (not temps).
How much do I pay for coverage?
Answer:
Generally, as a Federal employee, you share the cost of your health benefits premium with the Government. Please check our Premiums page for more information . You can also find premiums in your health plan brochure and the Guide to Federal Benefits. In addition to the health plan's premium, you may have to pay deductibles, copayments, or coinsurance.
The FEHB Handbook has additional information on how the Government's share is calculated. For most employees, the Government contribution equals the lesser of:
a) 72 percent of the overall weighted average; or
B) 75 percent of the total premium for the plan you select.
The amount you pay is the balance. That is, the difference between the total premium and the government contribution for your health plan. If you are enrolled in a health plan that has premiums above the average, the premium balance for you to pay will be higher.
Please note temporary employees do not receive a Government contribution toward the
This notion that congress will not be affected if there is health care reform is a lie. Granted, most of them have no problem paying the premiums, but they still have the same options as other employees.
The premiums for the BCBS Federal Plan increased this year by 13% (2008-2009)
Standard Option employee single out-of-pocket premiums will increase by approximately 12.9 percent for singles, an increase of $8.03, to $70.17 biweekly. The family coverage will increase by 13.4 percent, with out-of-pocket premiums increasing $19.44, to $164.58 biweekly.
Source = BCBS
The rate for a family in Pennsylvania (for your benefit) for 2009 is about $4315.08 per year.