With the coming of the new year comes a new benefits plan at work. A more accurate term may be non-benefits plan, however.
My company, for the last two years, has raised our health insurance rates and lowered services by an incredible amount. As a self-insured company, the big-wigs claim their costs are skyrocketing, and that they must take these measures. But I think their talk is just rhetoric; I don't believe them. I think they're simply incredibly greedy people (this large company's more or less family-owned).
The breakdown of my health insurance plan:
- $2000.00 deductible
- ~$94.00 per month for individual coverage
- $35.00 office visit
- $55.00 office visit if the dr. is any kind of specialist, including dermatology
- I pay half the cost of prescriptions, except if I go through a mail-order system. Then it's $50 for a 3-month supply, which isn't bad at all actually
- 75% of hospitalization is paid after the deductible is met
How does this compare to other benefit plans? I would be very interested to know what you guys think about my plan.
I do want to point out that, yes, I'm fully aware that many people don't have health insurance at all. From that perspective I feel fortunate to have this benefit. At the same time, however, the benefits plan is only one example illustrating the overall attitude of the company towards its employees. The general company culture is one in which the employee is not valued. Sure, the CEO gives lip service and uses most of the right buzz words, but it's clear to all that employees are not considered assets.
All this bitching I'm sure begs the question of why I am employed by this company. Only one reason -- I like the type of work I do, and I really like my department (I guess that's really two reasons). I have the coolest boss ever who knows the company provides shitty benefits and does her best to make it up to us in other ways. So from that point of view, I'm in a good place.
Big picture view, though, the company sucks.
So let me know: Am I being an ingrate by criticizing the benefits? Or should I expect more? I seriously want your thoughts.
Thanks.