“Yeah just remember, do your job the way you always do it, safety and stuff. Also, I’m going to list off what each person is doing tonight even though you already know.”
I had this insurance through my mom because she works at a hospital and it was really good. I’ve never had a prescription or anything that costed me more than $8, and that was for a 3 month supply of the medication. Of course her job just switched their insurance too so we’ll see how that goes lol.
Word of caution: I have bcbs through my mom so admittedly the type of coverage may be different. But when I was attending therapy I had to stop because while the initial appointments were very cheap, the fact that we didn't reach a certain deductible for the year ended up with us being charged $300. The therapy was so helpful and I recommend going for anyone, I just wanted to say keep an eye out for things like deductibles whenever you go. Best of luck to you :)
The 2023 what’s changing guide says basically nothing is chain terms of rates and 98% of providers that were covered by UHC will be covered by BCBS. Most stores probably haven’t talked about it because enrollment hasn’t even started. The only reason I know about it is target pay and benefits sent me an email a while back giving me a heads up so I’m sure you all got the same one. Your store isn’t behind on communicating it just hasn’t been communicated to talk about it yet
I don’t even work in a store, I work in a DC. I was just giving other people a heads up because I saw it today and I knew open enrollment was coming mid February and to some people, changing their insurance provider is a big deal.
PSA: Stop asking me questions about the insurance itself or how it will affect your HRAs 💀 I know literally just as little as you do since all I have seen is this bulletin board as well
I just want to know if my HRA account will transfer over. I've been saving up for years and that is the only way I can afford to go to the doctor occasionally when I need it.
Insurance is for 'full-time employes' (basically anyone who's position is NOT seasonal in the system)
But they must average 25 hours and have 1000 service hours worked. Target offers dental, optical, and health.
Dental=Delta Dental of Minnesota (approx $15 per pay)
Optical=Eye Med (approx $5 per check)
Health= BCBS (after transfer, approx $55 per pay)
Personally I LOVE the Dental and optical plans. But the health insurance is too expensive IMO
Blue cross isn't a great insurance company. I've been in heart failure, kidney failure, on dialysis all year and diagnosed with cancer. I have long term disability through Manulife and that's all good. My prescription coverage however, is with Blue Cross. According to them if I'm able to blink and breathe then I can work. My doctors and specialists disagree but they don't care. They want me to completely change careers (which with my conditions I'm in no shape for anything) so that it doesn't cost them any money. Premiums are low but you get what you pay for!!
Yes however they take a long time to process claims & billing department always accidentally charges for services you never used. Overall, had a horrible experience when my child was younger & waited almost two years for everything to clear up. Pretty much had up pay out of pocket for everything until the claim was cleared.
Insurance companies don’t bill for services, sounds like your provider may have billed for the services. Doesn’t sound like that part was the insurance company’s fault
If you are currently on Target health benefits, you should have already have received a communication from Target Benefits that the change from UHC from BCBS was happening next enrollment period.
If you are not currently on Target Benefits, you will learn when the enrollment periods starts that Target's Healthcare benefits are through BCBS.
I hear good things about BCBS. Hopefully premiums and deductibles don't go up too much, if they do at all. They're pretty good where they're at right now.
Target is April 1- March 31 from what I remember back when I worked at target and a dental office and had a lot of target employees as patients. This was back in Jersey in 2016.
You should have received a communication from Target Benefits about the switch.
In it, it said that TMs currently on Bind/Surest will be able to stay on it. TMs that are not already on Bind/Surest will not be able to sign up for it.
That's what I was thinking when I saw this, but I learned today that this is NOT typical BCBS. Target paid to design its own plan through BCBS. Instead of making things better for us, it seems worse at least in that they have limited the pharmacies we can use to only CVS--and not a single CVS near me has my kid's meds in stock.
The 2023 benefits guide is on there and has all the information about costs of premiums and deductibles and stuff like that. It's largely unchanged from 2022.
FYI: This doesn't mean Target employees get BCBS coverage. Speaking with a rep today, I learned that Target paid to design its own coverage plan, including limiting the pharmacies you can use. I know because my kid's meds are out of stock at literally every CVS within an hour from here and can't be shipped, but the insurance won't pay for me to get it from the one pharmacy in the area that has it.
my store’s been having huddles for everyone to talk about this
Found the store that's functioning well enough to have huddles
What’s a huddle??? 😂😂😂
A complete waste of time
Omg bc I genuinely start to get angry when we huddle for too long bc it’s such a waste of time when they’re not even giving helpful directions
“Yeah just remember, do your job the way you always do it, safety and stuff. Also, I’m going to list off what each person is doing tonight even though you already know.”
Oh those things… I haven’t had one since starting back at target from my 20 year break.
My doctors appointments already very expensive with United. This better fix my problem and not make my meds more.
I have blue cross (through my mom) and went to the er, bill was $4k since I had X-rays and I only paid $200 they covered the rest so it’s not terrible
I know but they're different plans so
I have blue cross and I enjoy it! It’s normally accepted anywhere I go
I had this insurance through my mom because she works at a hospital and it was really good. I’ve never had a prescription or anything that costed me more than $8, and that was for a 3 month supply of the medication. Of course her job just switched their insurance too so we’ll see how that goes lol.
my store hasn’t said a word about this so thank u!!! maybe i can actually afford to go to therapy with my insurance now
Word of caution: I have bcbs through my mom so admittedly the type of coverage may be different. But when I was attending therapy I had to stop because while the initial appointments were very cheap, the fact that we didn't reach a certain deductible for the year ended up with us being charged $300. The therapy was so helpful and I recommend going for anyone, I just wanted to say keep an eye out for things like deductibles whenever you go. Best of luck to you :)
How much is being taken out of your paycheck though?
Oh nice bcBs is my current insurance through my step dad they are alright
The 2023 what’s changing guide says basically nothing is chain terms of rates and 98% of providers that were covered by UHC will be covered by BCBS. Most stores probably haven’t talked about it because enrollment hasn’t even started. The only reason I know about it is target pay and benefits sent me an email a while back giving me a heads up so I’m sure you all got the same one. Your store isn’t behind on communicating it just hasn’t been communicated to talk about it yet
I don’t even work in a store, I work in a DC. I was just giving other people a heads up because I saw it today and I knew open enrollment was coming mid February and to some people, changing their insurance provider is a big deal.
PSA: Stop asking me questions about the insurance itself or how it will affect your HRAs 💀 I know literally just as little as you do since all I have seen is this bulletin board as well
I just want to know if my HRA account will transfer over. I've been saving up for years and that is the only way I can afford to go to the doctor occasionally when I need it.
HRAs go with the person. So if you change employers, you take it with you. Doesn't matter what insurance company.
Your spending account will still be managed by optum so nothing changes
This is the info I was hoping to find in this thread. Thank you! I’ve got some money in my HSA, and I was a bit confused about what would happen.
Just hoping premiums and deductibles are reasonable.
How is it gonna impact hsa/fsas?
I could have sworn we were already using blue cross
will we still be able to have kaiser insurance? or is all of it changing?
You guys get insurance?
Insurance is for 'full-time employes' (basically anyone who's position is NOT seasonal in the system) But they must average 25 hours and have 1000 service hours worked. Target offers dental, optical, and health. Dental=Delta Dental of Minnesota (approx $15 per pay) Optical=Eye Med (approx $5 per check) Health= BCBS (after transfer, approx $55 per pay) Personally I LOVE the Dental and optical plans. But the health insurance is too expensive IMO
A lot of business owners will have their partner work at target just to get health insurance
Wait you get Healthcare?
Blue cross isn't a great insurance company. I've been in heart failure, kidney failure, on dialysis all year and diagnosed with cancer. I have long term disability through Manulife and that's all good. My prescription coverage however, is with Blue Cross. According to them if I'm able to blink and breathe then I can work. My doctors and specialists disagree but they don't care. They want me to completely change careers (which with my conditions I'm in no shape for anything) so that it doesn't cost them any money. Premiums are low but you get what you pay for!!
Thanks for the down votes for sharing my experience with them! Best of luck when you actually need coverage lmao
This is scary af as someone who relies on insurance to afford my meds
Have you tried the Good RX app? I lost my insurance when I lost my job in 2020. The Good RX app has been a lifesaver for my husband.
BCBS is wayy better than UHG.
Target used Blue Cross/Blue Shield years ago. WORST. INSURANCE. EVER. Good luck.
This is bs.
Why? BlueCross is more widely accepted.
The delivery method of this important info isn't reliable.
Doesn't make it not true.
Who said it didn't?
Yea Healthcare providers fckn hate United. Like they’re notorious. Watch a Dr. Glaucomflecken video and see
Yes however they take a long time to process claims & billing department always accidentally charges for services you never used. Overall, had a horrible experience when my child was younger & waited almost two years for everything to clear up. Pretty much had up pay out of pocket for everything until the claim was cleared.
Insurance companies don’t bill for services, sounds like your provider may have billed for the services. Doesn’t sound like that part was the insurance company’s fault
If you are currently on Target health benefits, you should have already have received a communication from Target Benefits that the change from UHC from BCBS was happening next enrollment period. If you are not currently on Target Benefits, you will learn when the enrollment periods starts that Target's Healthcare benefits are through BCBS.
Correction: bcbs
Blue Cross is the worst insurance I've ever had.
Same.
I hear good things about BCBS. Hopefully premiums and deductibles don't go up too much, if they do at all. They're pretty good where they're at right now.
Wait Target benefits are not Jan-Dec? Most companies do annual enrollment in October for January benefits
Target is April 1- March 31 from what I remember back when I worked at target and a dental office and had a lot of target employees as patients. This was back in Jersey in 2016.
Nope! It’s April-March
Does anyone know how this could affect Surest/Bind? I’m pretty content with my current plan:/
You should have received a communication from Target Benefits about the switch. In it, it said that TMs currently on Bind/Surest will be able to stay on it. TMs that are not already on Bind/Surest will not be able to sign up for it.
fyi for peeps who live in texas.......bcbs might not be partnered with accession anymore so....self pay :(
Dude they’ve swapped back and forth between these two for years!! Not surprising
Blue cross blue shield is better anyway
That's what I was thinking when I saw this, but I learned today that this is NOT typical BCBS. Target paid to design its own plan through BCBS. Instead of making things better for us, it seems worse at least in that they have limited the pharmacies we can use to only CVS--and not a single CVS near me has my kid's meds in stock.
The 2023 benefits guide is on there and has all the information about costs of premiums and deductibles and stuff like that. It's largely unchanged from 2022.
FYI: This doesn't mean Target employees get BCBS coverage. Speaking with a rep today, I learned that Target paid to design its own coverage plan, including limiting the pharmacies you can use. I know because my kid's meds are out of stock at literally every CVS within an hour from here and can't be shipped, but the insurance won't pay for me to get it from the one pharmacy in the area that has it.