Eliminate the 80/20 plan

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North Carolina Teachers Chatboard

Eliminate the 80/20 plan

by tlc

Jan 30, 2016

TAKE ACTION! The NC State Health Plan staff are proposing to the Board of Trustees this Fri, Feb 5, to eliminate the 80/20 plan and force all state employees to take the 70/30 plan, which would increase our healthcare costs significantly making NC’s state health plan the worst in the nation. Call and email your legislators and tell them to stand up against eliminating the 80/20 health plan. Find your legislators by entering your address at this link. [link removed]

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It is more complicated On 1/30/16, tlc wrote: > TAKE ACTION! The NC State Health Plan staff are proposing to > the Board of Trustees this Fri, Feb 5, to eliminate the > 80/20 plan and force all state employees to take the 70/30 > plan, which would increase our healthcare costs > significantly making NC’s state health plan the worst in the > nation. Ca...See MoreOn 1/30/16, tlc wrote: > TAKE ACTION! The NC State Health Plan staff are proposing to > the Board of Trustees this Fri, Feb 5, to eliminate the > 80/20 plan and force all state employees to take the 70/30 > plan, which would increase our healthcare costs > significantly making NC’s state health plan the worst in the > nation. Call and email your legislators and tell them to > stand up against eliminating the 80/20 health plan. Find > your legislators by entering your address at this link. > [link removed]

This isn't quite accurate, what the state health plan REALLY wants is to move more and more people to the CDHP plan, not the 70/30. They want to "manage" your health care, increase people's participation in managing their own health and they want to reduce the number of 70/30 members who "refuse" to co- operate with their "management".

Get ready for significant increases no matter what…unless you retire this year or next.

The State Health Plan is under direction by legislative mandate from the GA to reduce growth in employer contributions for employee health care for the 2018 and 2019 fiscal biennium.

However, the GA has not told “the Plan” what those sufficient measures are…so the Plan is shooting in the dark, trying to figure out what might constitute "sufficient measures" actually are…therefore the Plan is making recommendations that the 80/20 option be done away with to encourage more of the 80/20 and 70/30 members to move to the CDHP plan which is the more “engagement based plan” that includes things like being required to participate in “case and disease management plans” (if you are identified as someone who falls in this “risk category”) and to “agree to get/complete age appropriate preventive screenings” and complete “health screening” with info (biometrics) provided to the Plan by your doctor…. or lose your “high value plan”.

So the Plan is doing everything it can to make all members choose the CDHP (high value, but managed and with participation requirements) plan and not choose the 80/20 or 70/30 (the 70/30 plan has been identified as having way to many members) and even then the plan is proposing that the CDHP plan increase your deductible by $500 and your coinsurance will increase by $750 between now and 2018.

For the 70/30 plan holders: an increase of aprox. $3450 in your deductible and increases in every other category…office visits, drugs, etc. between now and 2018.

For the 80/20 option-elimination of this choice in 2018 with increases for the 2017 year… a $140 increase in your deductible, a $640 increase in your coinsurance, and increases in all the other categories…office visits, drugs, etc.

For retirees (medicare and non-medicare): options would stay the same as they are now as the GA is required by law to provide premium free health insurance which retirees can have at the 70/30 level. Non-medicare retirees with 80/20 and CDHP would continue to pay a premium for those levels of insurance for 2016-2017, however 80/20 would be discontinued after 2017. Non-medicare retirees would then have to choose between 70/30 with no premium or CDHP with a premium. Medicare eligible retirees can continue with 70/30 as their optional insurance or move to an Advantage plan.

To see the rational and proposals for yourself:

[link removed]

Jan 31, 2016

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More complicated Here is the link to the state health plan's 2017 strategy (being presented to the GA) to get more people on board with completing all the wellness requirements if you want more than 70/30 coverage.

So yes, the plan's strategy is to move everyone back to 70/30 and have them start over with the wellness requirements to have better insurance ...See More

Jan 31, 2016

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AR Williams On 1/31/16, More complicated wrote: > Here is the link to the state health plan's 2017 strategy > (being presented to the GA) to get more people on board with > completing all the wellness requirements if you want more than > 70/30 coverage. > > So yes, the plan's strategy is to move everyone back to 70/30 > and have them start...See More

Jan 31, 2016

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AR Williams On 1/31/16, AR Williams wrote: HERE IS WHAT SEANC SAYS:
> [link removed]

Jan 31, 2016

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futile On 1/31/16, TLC wrote: > I agree, it probably is futile. However, you can indicate to > your legislator that you know it is an election year, and if > they allow to happen, you will encourage everyone you know to > not vote for them.

My legislator is in a safe district. He usually runs UNOPPOSED and the last time he had opposit...See More