question: what setting do you work in & how do you rate your health insurance?
i live 50 mi west of austin. my first job after graduation has been in ltc; at the job interview, i was assured "yes, we have health insurance effective 90 days after you start". now that i'm enrolled, i found it to be what i call "wal-mart insurance". it pays some, but the insured pays the lion's share of the cost. i call it a joke. does other settings have better health benefits, or is it just my facility?
Apr 3, '08
You never know what kind of benefits are available unless you ask for them upfront. I will tell you that I have never seen as many problems with insurance from large employers that I have seen from the smaller employers. Especially if those smaller employers are for profit as most LTCs are.
Apr 3, '08
I work in an assisted living facility and I have good medical insurance and less pay. All of the LTC's I went to had good pay and worthless insurance. I had malignant melanoma 5 years ago and the LTC medical insurance denied me my medical insurance benefits saying it was "unnecessary surgery"!!!!!
It took me over a year and a bitter battle, but I finally got a little money out of that worthless LTC insurance. Never again.
Apr 3, '08
I just switched jobs, but I worked at the same LTCF for 2 years before resigning a couple of months ago. It was a larger skilled nursing facility that was owned by a corporation and had over 80 sister facilities across the nation.
My medical coverage at the LTCF was through BCBS (Blue Cross). I had BCBS when I was a factory worker, and that coverage was wonderful back then. I had $5 copays and all my claims got paid in a timely manner. The insurance at the LTCF was very different, because they disputed every claim and did not want to pay any major medical expenses. I have needed to have a pelvic organ surgical procedure for quite some time, but I'm afraid of undergoing it since the insurance might not pay. I've been stuck with a major medical bill before, and I surely do not want this to happen again!
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