Self funding: the reason our Cigna dental plan is the worst plan that Cigna has. The NYSUT catastrophic plan is self funded. Lord knows what self funding will do to NYC public service healthcare. Mulgrew has made monumentally bad choices on the backs of all those who dedicate or dedicated decades of their lives to working for NYC. Time for change. The power is in your hands, seize the moment.
The only way to realize a 10% cost saving is by freezing reimbursement rates to providers. This is a five year contract. In the first two years, providers may not drop out but in the outlier years they will. Look at the UFT dental plan: how many dentists dropped out? They won't tell you but I am: that is their plan. Ask Mulgrew how the plan will adjust reimbursement rates going forward. Going to a self-funded plan saves very little because the current plan is a minimum premium plan and the premium tax paid by GHI which is passed on to the current plan is nominal. That "cost savings" is a red herring.
Also, by self-funding, the New York Department of Financial Services will not have jurisdiction over the plan: that is a fact no matter what they tell you.
Who will control the plan: the City and the MLC. Do you really want the City and Garrido, Nespoli and Mulgrew controlling your health care? These are same people who bankrupted the Health Insurance Stabilization Fund. (Garrido testified before the City Council that the Fund is insolvent. You can look it up.)
Unless and until those questions are answered and you can actually read the contract and the actuarial analysis which is essential to understanding the underlying assumptions, you cannot approve the plan.
Leah - I'm glad you are getting the word out to in-service & retirees.
My thoughts:
I also agree! If it's a great plan then just show us. I have serious trepidations about United Healthcare.
Secondly, your "self-funded" questions were right on!
Through discussion groups & Substack I read that our fabulous dental plan "Cigna" is self-funded. This keeps payments to the dentist low
and dentist participation is even lower. Do you blame them?
So Mulgrew should understand that based on inferences we must vote NO.
Lastly, HEALTHCARE may just be the catalyst that UNITES in-service & retirees.
An InstaGram post from a Chapter Leader/UNITY supporter (drank the KoolAid) stated
"retirees do not care about this plan and will vote NO because a) it does not affect us b) we don't trust Mulgrew & Crew."
We should be offended and insulted by this post (one of many) which has only one directive to divide and conquer.
I attended "healthcare" meets with RA retirees & delegates and there is a passion to do the right thing for our union brothers & sisters.
This is another ploy from Mulgrew & Crew. Like I said this issue is uniting us so we will be stronger in the 2028 election.
In solidarity,
mea
I think the Delegate Assembly should vote NO
Self funding: the reason our Cigna dental plan is the worst plan that Cigna has. The NYSUT catastrophic plan is self funded. Lord knows what self funding will do to NYC public service healthcare. Mulgrew has made monumentally bad choices on the backs of all those who dedicate or dedicated decades of their lives to working for NYC. Time for change. The power is in your hands, seize the moment.
The only way to realize a 10% cost saving is by freezing reimbursement rates to providers. This is a five year contract. In the first two years, providers may not drop out but in the outlier years they will. Look at the UFT dental plan: how many dentists dropped out? They won't tell you but I am: that is their plan. Ask Mulgrew how the plan will adjust reimbursement rates going forward. Going to a self-funded plan saves very little because the current plan is a minimum premium plan and the premium tax paid by GHI which is passed on to the current plan is nominal. That "cost savings" is a red herring.
Also, by self-funding, the New York Department of Financial Services will not have jurisdiction over the plan: that is a fact no matter what they tell you.
Who will control the plan: the City and the MLC. Do you really want the City and Garrido, Nespoli and Mulgrew controlling your health care? These are same people who bankrupted the Health Insurance Stabilization Fund. (Garrido testified before the City Council that the Fund is insolvent. You can look it up.)
Unless and until those questions are answered and you can actually read the contract and the actuarial analysis which is essential to understanding the underlying assumptions, you cannot approve the plan.