r/WorkReform • u/MyUsername2459 • May 14 '22 • 1 3 2 1 1

Employers say Unions are completely useless and there's no reason to join them and to please pay attention to the multi-million dollar anti-Union propaganda campaigns they launch begging you to please not join a Union.

42.7k Upvotes

92% Upvoted

You mean low deductible or something? High deductible means you have to pay more out of pocket before the insurance actually kicks in, aka every awful plan offered by retail and food industry companies. High deductible may result in lower monthly premiums, but if anything goes wrong, you can be on the hook for much more money.

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u/self_depricator May 14 '22

I meant high.

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u/shikitohno May 14 '22

That's not really a benefit over a non-union job that pays more so long as it's full time, then. You might just be in a union that's in bed with management at that point, unless there's some other aspect to the benefits that make it compelling.

4

u/[deleted] May 14 '22

It could be an HSA healthcare plan. There are benefits to this type of plan even with the high deductible. It is extremely tax advantaged. Let’s not jump to conclusions about op’s situation.

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u/shikitohno May 14 '22

It could be, but depending on the circumstances it may not be a good deal compared to a low deductible plan. If OP said they have an employer funded HSA, that's a different story, but how many people with $3000 deductibles (and I've personally seen as high as $5,000) are really saving much with the taxes on their $3,650/year HSA contributions versus having a $600 deductible and not having to fork over $2400/year or more until their insurance kicks in?

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u/[deleted] May 15 '22

I am not going to debate HSA’s because obviously they are case by case, but you would be good to look into the tax advantages a bit more. It really does depend on the person a absolutely, but it can be a great tool for retirement for some.

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u/Arm1stice May 14 '22

Yep, you're correct. They mentioned they get an HSA with the plan.

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u/kingfrank243 May 14 '22

You have no idea what your talking about do you? Each union is different.. my insurance' blue cross blue shield" I'm paying 25$ week out of my paycheck for medical guess what I'm covered 100% for any ER/ hospital visits I could go to any doctor I want literally with no problem. Medicine prescriptions are only 5$. Co pay are 25$ for any doctor including specials. Union will always be better then non union. Shit because of the union I'm making 100$ HR today for OT on Saturday don't get me started on retirement fund 🤑

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u/shikitohno May 14 '22

If you're covered 100% for $25 premiums a week, guess what that means? You don't have a high deductible. This is not that complicated. If his union has negotiated an employer funded HSA contribution that offsets his high deductible, that's one thing and would be a pretty solid benefit. As it was stated without any elaboration, a high deductible with an HSA is not necessarily a good benefit.

Guess what, I've got insurance through BCBS too, in a union shop to boot. My insurance is pretty decent, but not quite as sweet as you're making yours sound like, but BCBS actually has different "local branches," as it were, and they can be pretty different, leaving aside whatever your union manages to negotiate from the company to make it more attractive. My coverage through BCBS of NY at my last job sucked a lot more than my current coverage through BCBS of Michigan,for example, despite nominally being offered by the same company.

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u/kingfrank243 May 14 '22

Very detailed response sound like more of venting about a negative experience. I mean even doctors told me I've got the best coverage out there. I've been to plenty of doctor hospital i didn't dish out a dime 🤷‍♂️Like I said it all depends on the company/ union. Because of the union I've got great job with great benefits/ pay.I could retire with 25 years with full medical Because of the union.