Please read the Risk Management folder

[Smoky]

Are you reading what is written in the Risk Management folder on PLACES regarding insurance problems?

[love to teach]

I wonder if the School Board gives a damn? Apparently not! We got shitty raises and we got jacked on our insurance. I'm already looking into a private plan for myself and my son. Maybe if we get enough people to sign up, they'll give US a good discount.

LTT

[Birdie]

I was recently speaking to a friend of mine, who told me about a program that supposedly has an HMO with much more reasonable preiums. He is the prinicpal of a private school, and I'm certain he said that he has switched to it. I will look into it further and report back before our renewal time.
Birdie

[Samantha]

They probably got the worst insurance on purpose so that we will not sign up for it. Then they can save all the money they contribute.
It would not surprise me at all.

[FINFER]

Why Cant The System Combine With Pinellas County And Go To THERE HealthPLAN

[Haber]

Why Cant The System Combine With Pinellas County And Go To THERE HealthPLAN
I asked that at PCTA and was told tha pinellas county wouldn't have us. Years ago I asked why our premiums were so high--they said that there were too many women of childbearing age. I asked again why our premiums were so high--they said that we were all too old on average. It's all crap!

[Strivin' for Success]

Maybe TUFF can bargain for better insurance premiums. For as many people
registered there surely must be a company that would love to inherit a
large group of people to insure.

[Unregistered]

I would also like to add that Jade Moore is given $12,000 per year for insurance and benefits ( all from union dues) on top of his $93,300 annual salary, the uniserv directors who also work for the PCTA also recieve $9,200 a year for their insurance and benefits and each one makes over $58,000. The PCTA members also pay for the social security, state pension contribution for these hardworking people. Perhaps this is why we have such high insurance costs, especially for families, the main people negotiating the contracts for teachers are basically not effected. By the way, the PCTA will be voting to raise dues by a dollar a paycheck at the next faculty rep meeting.

[Unregistered]

By the way, the PCTA will be voting to raise dues by a dollar a paycheck at the next faculty rep meeting.


All the more reason to keep your $500 or so a year and do something for your family with it. My raise was totally taken away by the insurance increase. And Jade gets all that money for his??? Tell PCTA to actually DO something for us about insurance, not give it all to Jade Moore. PCTA won't get any of my money...EVER.

[Ron]

I think that the board should look at ACTUAL dollars out for claims paid, not dollars billed to the plan. Also, they should ask some hard questions about what they are buying. Do they have a handle on the numbers or are they relying on Aetna, or the Risk Management Department? Health insurance is an actuarial function of age of participant/claims experience over a period of 1 to 3 years/and necessary administrative costs needed to properly service the plan. Aetna has a formula to determine that, and since they have had the plan for at least a year, they are well aware of the ACTUAL dollars they expended in claims payment. Their admin chart shows 12% for administrative needs. 92 million dollars is a lot of money, and that means at the 12%, they are getting over 11 million to run a local claims department. They are automated! How much does it cost to handle claims. I submit that $800. per employee per year whether they had a claim or not is a lot. That is in addition to the actual charge for the insurance.

These numbers should be made public and looked at closely. If for no other reason than to demonstrate the necessity of the charge.

[Unregistered]

A small correction, the PCTA proposed raise in dues is 50 cents per paycheck, not $1.

[Unregistered]

While it is true that the PCTA only proposed a 50 cent increase it is also true that due to the loss of 300 members as a direct result of the last contract, the remaining members will also have to pay an extra 50 cents that will go to the FEA. So in total the "reward" for those of us who have chosen to remain in the PCTA is to pay another dollar per paycheck. Can anyone tell me why we must give Jade Moore $12,000 a year for insurance? This is almost double the amount that the PSC contributes towards a teacher's health plan.

[Haber]

Can anyone tell me why we must give Jade Moore $12,000 a year for insurance? This is almost double the amount that the PSC contributes towards a teacher's health plan.
They should have the same insurance package that we do--maybe they'd negotiate a little better if their health was on the line.

[Ron]

Why does Humana charge $118/per check for a family and PCSB charges $201/per check for the same coverage. Even adjusted for number of checks, 26 vs 20, the number is still about $50/check higher for the school board than for City of St. Pete. I am certain that there is a real good reason for this.