• When you click on links to various merchants on this site and make a purchase, this can result in this site earning a commission. Affiliate programs and affiliations include, but are not limited to, the eBay Partner Network.

Health Insurance - More for Less

I thought WalMart had it right all along. I knew a guy who worked there back in 2004, and he was telling me about how their health insurance was structured. The idea was WalMart encouraged people to shop around for the best prices, so why shouldn't healthcare be the same way? The more you shopped around under the WalMart plan, the lower your costs were. Instead of the company just dumping a load of cash on a fixed plan, they encouraged their employees to find the most affordable doctors, hospitals, scripts, etc., and rewarded them for their efforts, which is the same mindset behind the HSA concept.
 
Unfortunately, I have heard Walmart is allegedly known for keeping many of its employees working hrs just low enough to 'not be' considered full time employees...making them ineligible for Walmart provided benefits (i.e.: health insurance).
 
Dako said:
Unfortunately, I have heard Walmart is allegedly known for keeping many of its employees working hrs just low enough to 'not be' considered full time employees...making them ineligible for Walmart provided benefits (i.e.: health insurance).
Click to expand...

Like most companies will be forced to do now, because of the financial burden the ACA Tax/un-Affordable Care Act/Obamacare has imposed on especially small businesses today, larger corp. don't feel the pain anywhere near like a small business or the middle income family will, that are struggling just to survive, with the money they have now, let alone add this over burdening train-wreck of a TAX/unaffordable heath care law on-top of it...

like the original post says More for less it's actually less coverage for more money & unless you in the poverty level & they were eligible already before this law... it's a middle class working still/blue collar killer... with way to high of deductibles to make it at all affordable, so your just screwed either way, remember to vote people...

it's creating a part time less than 30 hrs a work week, for many Americans now, that will have to get a second job, just to survive...
 
I have been going to WalMart almost everyday, when I'm in America for the last 30 years. My wife worked there many years ago. I always ask people working in the store, how is it working for Walmart? I have never gotten a a negative response. The liberal media makes Walmart out to be this terrible company. They are the largest employer in America and no Barry had nothing to do with creating a single job at Walmart.

Dako said:
Unfortunately, I have heard Walmart is allegedly known for keeping many of its employees working hrs just low enough to 'not be' considered full time employees...making them ineligible for Walmart provided benefits (i.e.: health insurance).
Click to expand...
 
It's not the Liberal media driving that story although they are helping to spread it, it's the USW unions. Walmart is the largest retailer in the country, and the USW and other unions have been desperate to get those workers unionized as it would likely double their size and cash, so they're the ones who either cook up stories or look for some ticked off former worker who's likely a former worker due to their own malfeasance and spread these stories around.
 
paladin06 said:
I have been going to WalMart almost everyday, when I'm in America for the last 30 years. My wife worked there many years ago. I always ask people working in the store, how is it working for Walmart? I have never gotten a a negative response. The liberal media makes Walmart out to be this terrible company. They are the largest employer in America and no Barry had nothing to do with creating a single job at Walmart.
Click to expand...

Almost every day?! I go a week at a time without going to ANY stores at all. Consolidating trips saves me gas money and time to do stuff I want to do. I honestly cannot remember the last time I stepped foot in a Wal-Mart. It's because I disagree with their business practices. Dictating, not negotiating, what they will pay a manufacturer for a product (often allowing the manufacturer to make mere pennies per item) then setting a retail price per item that just undercuts the competition enough to draw in consumers...and laughing all the way to the bank with their significant mark-up. It's a matter of principle for me. I'm off my anti Wal-Mart soap box now...

I ask these questions because I honestly do not know.

1. Are most Wal-Mart employees full time or part time?
2. Do part time employees qualify for health care through Wal-Mart?
 
Gas prices don't dictate what I need or want to do. If gas prices were an issue I would use public transportation. Wal-Mart’s business practices mirror those from Target, to GM so where do you shop? Wal-Mart’s employment numbers grow significantly during say Christmas. This provides much needed additional cash (part time) for many in communities all across America. The part time vs. full employee insurance covers the same gambit from Target to GM's. Matter of fact it is the law.

Besides I invested in Wal-Mart back in 1985. I'm almost ashamed to tell what that investment grown to. I will say, it was done VERY, VERY well. :)

Dako said:
Almost every day?! I go a week at a time without going to ANY stores at all. Consolidating trips saves me gas money and time to do stuff I want to do. I honestly cannot remember the last time I stepped foot in a Wal-Mart. It's because I disagree with their business practices. Dictating, not negotiating, what they will pay a manufacturer for a product (often allowing the manufacturer to make mere pennies per item) then setting a retail price per item that just undercuts the competition enough to draw in consumers...and laughing all the way to the bank with their significant mark-up. It's a matter of principle for me. I'm off my anti Wal-Mart soap box now...

I ask these questions because I honestly do not know.

1. Are most Wal-Mart employees full time or part time?
2. Do part time employees qualify for health care through Wal-Mart?
Click to expand...
 
paladin06 said:
Gas prices don't dictate what I need or want to do. If gas prices were an issue I would use public transportation. Wal-Mart’s business practices mirror those from Target, to GM so where do you shop? Wal-Mart’s employment numbers grow significantly during say Christmas. This provides much needed additional cash (part time) for many in communities all across America. The part time vs. full employee insurance covers the same gambit from Target to GM's. Matter of fact it is the law.

Besides I invested in Wal-Mart back in 1985. I'm almost ashamed to tell what that investment grown to. I will say, it was done VERY, VERY well. :)
Click to expand...

I understand...you are happy with Wal-Mart. Cheers!
 
I was paying $4,788 year........then a letter came to my home from my insurance carrier....
"Under the new affordable care act, I am no longer in compliance! "

Now, for the near same approximate service, yada ,yada, yada.....
paragraph's later,
My health insurance went up to $12,000.00 dollars per year, just for me! (one person) ($997.98) per mo.---. Actual cost but now I can get , mammograms, Birth control pills, a wellness check, abortion, blood panel, all for 3,500.00 deductible! ....NO drugs covered! I am so happy!:head_smack: Sonny P.S , I can buy down the deductible, $18,000.00 gets me $2,500.00 deductible! thank you "0" for the Aforadable Health Care!...and more fun to come....stay tuned!


:icon_salut:
 
You guys drink some strong Kool Aid (Fox Flavored I bet) My wife & I have a $2500 deductable & get dental with our insurance for $497 a month I pay 5% on meds
That beats the $1230 a month for just my wife with a preexisting before ObamaCare Our income is over $80K a year so you can't call me a Govt mooch

Non compliant usually means not enough insurance to be legal in the law
 
You have to compare apples to apples. RCA- You're in MO. Is your coverage for an HMO or a PPO? I'm in NJ. I have a PPO. The same coverage as I had last year went up $7500 for my family plan. I'll be drinking Kool Aid cause my beer and bourbon money is going to pay for my higher premium so someone else can pay less for theirs. Thanks but no thanks.


RCAddict said:
You guys drink some strong Kool Aid (Fox Flavored I bet) My wife & I have a $2500 deductable & get dental with our insurance for $497 a month I pay 5% on meds
That beats the $1230 a month for just my wife with a preexisting before ObamaCare Our income is over $80K a year so you can't call me a Govt mooch

Non compliant usually means not enough insurance to be legal in the law
Click to expand...
 
Dako said:
I honestly cannot remember the last time I stepped foot in a Wal-Mart. It's because I disagree with their business practices. Dictating, not negotiating, what they will pay a manufacturer for a product (often allowing the manufacturer to make mere pennies per item) then setting a retail price per item that just undercuts the competition enough to draw in consumers...and laughing all the way to the bank with their significant mark-up. It's a matter of principle for me. I'm off my anti Wal-Mart soap box now...

I ask these questions because I honestly do not know.

1. Are most Wal-Mart employees full time or part time?
2. Do part time employees qualify for health care through Wal-Mart?
Click to expand...

One of my pilots from the Navy days is an executive at Walmart and I asked about those stories I heard about them "dictating" what a vendor can charge, and he told me that does happen from time to time, but mainly with vendors of new products and it stems from not understanding the market place very well. Walmart's success is highly dependent on turning over merchandise. A great comparison is going into a Kmart. There's crap in Kmarts that's been there for years. Walmart can't afford to have anything sitting on shelves for very long, so if it's going to take up shelf space it has to be priced to move. So a vendor can sell something at a higher price to a business that is willing to accept merchandise sitting on the shelves for 90 or 120 days, but Walmart looks to turn merchandise in 30 days max. Walmart also tracks data on every aspect of their business so they know what the best price points are. If someone wants to sell Walmart a picture frame for $5 that will sell for $7, Walmart can look at the metrics for comparable frames and say at a $7 price point, that frame isn't going to sell well because there are $5 frames that sell more frequently and will tell the vendor they need to lower their price. The thing is making a few pennies when you're selling thousands of units is better than making a dime by selling a hundred units, which is why vendors compete like mad for Walmart shelf space and are willing to lower their costs.

How they set their prices is also interesting. If you look closely at the prices, you'll notice they tend to only set the price of the lowest quality item below the competition's price. Say microwave ovens. Say Target has three grades of ovens: Good, Better, and Best, Walmart will markdown the price of the Good oven in their stores to be lower than Target's price... but will mark up the prices of the Better and Best ovens to be well over Target's price. The reasoning is someone comes in and sees the big floor display touting how much cheaper the Good oven is, and they assume the prices on the Better and Best ovens are also cheaper and why pay for a Good oven when for a little more they can buy a Better or a Best model and the consumer ends up gladly paying a higher price than they would have paid at Target had they taken the time to check prices. :) Prices at Target would be say $49/$59/$69, Walmart will be $39/$69/$79, and Walmart will not only get the sale but they'll also sell more units at $79 than Target will at $49. Pretty cool trick!
 
Thank you for the explanations, Bruzilla.
 
Bruzilla said:
It's not the Liberal media driving that story although they are helping to spread it, it's the USW unions. Walmart is the largest retailer in the country, and the USW and other unions have been desperate to get those workers unionized as it would likely double their size and cash, so they're the ones who either cook up stories or look for some ticked off former worker who's likely a former worker due to their own malfeasance and spread these stories around.
Click to expand...
Well said Bruzilla, we think allot alike... I was going to respond about the unions too, but figured it would send this thread straight to the Political forum

- - - Updated - - -

Dako said:
I ask these questions because I honestly do not know.

1. Are most Wal-Mart employees full time or part time?
2. Do part time employees qualify for health care through Wal-Mart?
Click to expand...

My niece in law works as a floor manager for Walmart in Redbluff Ca. area she loves it there, she has been there now for 5+ years, she keeps climbing the chain of advancement, she's a legal Russian/Ukrainian Immigrant, also married to my nephew, she really couldn't find any other work, here she's a/was a Violin teacher, not much work for it were she lives, she heard all the same lies & horror stories about supposedly how bad & how tyrannical Walmart was, but she's said it's all false from what she sees or has seen even in the Assos. meetings she attends every month... I've had quite a few conversations with here about all the employment issues, she says "the part time employees she supervises are part time only by choice", it's not a blanket company policy, it depends on what part of the store people work in & what their skill levels are, whether they are over staffed or not, they try to give everyone hr's & be fair with the employees... Says that they actually have a great insurance policy, IIRC she said her copay is $40 a month with a $2500 deductible & you can get a better deductible, with more copay contribution, it's the same exact policy/plan the executives have, from the greeters to the top of the company, also some are in probation periods, before permanent status, when they get fulltime status too... I think it's a lot of propaganda & lies, against Walmart, most all of it, isn't true or disgruntled employees, that were usually fired, that start all the rumors, the IIRC who the AFL-CIO {not sure which union} union tries to get into the store that she works in also, the employees all voted & choose to not unionize, from what I understand... I could be wrong... It seems allot/most all of the employees that work for Walmart, are very happy with their jobs... Advance fast when they work hard & show up on time... She even has a stock & profit sharing deal, not sure of any details thou... She & all her immediate family gets a 25% discount on all products & once a year on a "single ring up", she called it, can get an additional 10% added discount, she said she save $600 on her Christams shopping alone, just with that one discount occasion... I personally don't really shop rarely only when they are the last resort or care for Walmart, mainly because of all the cheap made crappy products, allot of Chinese & cheap foreign crap they sell, all the cheapskates & freaks that are always in Walmart shopping, not because their businesses employment practices, which seem to me be pretty good... People can work somewhere else if they don't like the wages, it's a free country still, for now anyway... just calling the whole Walmart org./co. corrupt or bad, is just false, BS & lies, it's the largest employer in the USA it's bound to have some issues... that my $0.02 cent, I don't care if anyone takes it or leaves it... IIRC they also have a $4 & a $12 a month prescription program for anyone who chooses, not just employees, I call that down right great deal... If I actually needed it, I'd probably take advantage of that great enexpensive prescription drug deal...
 
Bruzilla said:
One of my pilots from the Navy days is an executive at Walmart and I asked about those stories I heard about them "dictating" what a vendor can charge, and he told me that does happen from time to time, but mainly with vendors of new products and it stems from not understanding the market place very well. Walmart's success is highly dependent on turning over merchandise. A great comparison is going into a Kmart. There's crap in Kmarts that's been there for years. Walmart can't afford to have anything sitting on shelves for very long, so if it's going to take up shelf space it has to be priced to move. So a vendor can sell something at a higher price to a business that is willing to accept merchandise sitting on the shelves for 90 or 120 days, but Walmart looks to turn merchandise in 30 days max. Walmart also tracks data on every aspect of their business so they know what the best price points are. If someone wants to sell Walmart a picture frame for $5 that will sell for $7, Walmart can look at the metrics for comparable frames and say at a $7 price point, that frame isn't going to sell well because there are $5 frames that sell more frequently and will tell the vendor they need to lower their price. The thing is making a few pennies when you're selling thousands of units is better than making a dime by selling a hundred units, which is why vendors compete like mad for Walmart shelf space and are willing to lower their costs.

How they set their prices is also interesting. If you look closely at the prices, you'll notice they tend to only set the price of the lowest quality item below the competition's price. Say microwave ovens. Say Target has three grades of ovens: Good, Better, and Best, Walmart will markdown the price of the Good oven in their stores to be lower than Target's price... but will mark up the prices of the Better and Best ovens to be well over Target's price. The reasoning is someone comes in and sees the big floor display touting how much cheaper the Good oven is, and they assume the prices on the Better and Best ovens are also cheaper and why pay for a Good oven when for a little more they can buy a Better or a Best model and the consumer ends up gladly paying a higher price than they would have paid at Target had they taken the time to check prices. :) Prices at Target would be say $49/$59/$69, Walmart will be $39/$69/$79, and Walmart will not only get the sale but they'll also sell more units at $79 than Target will at $49. Pretty cool trick!
Click to expand...

you have to tell me this ...HOW is it unions are to blame for so much in this country when less that 10% of the country is unionized ..I'm at a loss to understand this ..and while on the subject Walmart is one of the major problem employers as there people need the government programs ( food stamps ...heap ) and any other things necessary to exist ..of course there employees say Walmart is a good employer their afraid to say anything else they don't know who you are ..my wife worked there for years ....they suck
 
Wonder if their medical services are from China.
 
NJRR said:
You have to compare apples to apples. RCA- You're in MO. Is your coverage for an HMO or a PPO? I'm in NJ. I have a PPO. The same coverage as I had last year went up $7500 for my family plan. I'll be drinking Kool Aid cause my beer and bourbon money is going to pay for my higher premium so someone else can pay less for theirs. Thanks but no thanks.
Click to expand...
We have a PPO & keeping our specialists & docs we've had all along.
We went for a 3 month checkup to our reg Doc today The first time we've never had a co pay to pay, our specialist visits cost $50 instead of $250 & labs paid 100% instead of paying 25% of a $800 bill every two weeks
 
You must log in or register to reply here.

Similar threads

Meep-Meep
The Cancer Factory
2
Replies
39
Views
7K
steve from staten island
S
Auto Transport Service
Back
Top