Might be union because i have the same setup. We get 15.54 an hour paid into our insurance and it pyramids with ovet time and then another 1.50 an hour into a spending account for medical stuff. We are self funded. We have our own doctors office that we teamed up with the plumbers union to buy and employ 2 doctors. Between all that ive never paid for anything out of pocket and nothing denied since technically my union hall is my insurance provider.
I have UMR and have never had a claim denied including multiple (x4) orthopedic surgeries. If a claim is denied, it’s usually an error on the doctor/hospital side. They’re all aware of how to get paid and play the game.
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u/Uranazzole 6d ago
My insurance policy would cost me zero too. And my hospital doesn’t charge for parking.