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Posted

I don't offer it to my employees yet but I can tell you that my own personal health insurance is planning to more than double because the minimums don't meet Obamacare's requirements. So much for the lie that my health insurance won't be going up. We will probably have to do without sadly because there is no way I can afford to pay double for the crap insurance I already have :(

Posted

I am in the same boat as you are Jeff, hardly ever get sick couldn't tell you the last time I went to a doctor! But I am getting older now, so healthcare is becoming a concern of mine now but the prices of insurance are just plain ridiculous!

Also from what I have read if you don't have at least 10 employees you are not required to have insurance for them.

Posted

Yes its sad, that the honest worker can't afford to stay in business because of all of the dishonest moochers out there that work the system and make it so hard for us to make a living!

  • Like 1
  • 3 years later...
  • 9 months later...
Posted (edited)

I have just added health insurance. I have cut my personal pay to make it work. I am also lowering other insurance bills. I plan to call Comcast to reduce that bill, as well as cut out ALLDATA repair and use identif8x for all repair info.

I will probably raise my labor rate January 1st to cover the cost.

My wife and kids have been covered by CHIP and Medicaid. If they loose that coverage because I offer a plan It will cost me $1480 a month, more then my home payment.  

My one employee that signed up cost another $550. So this is a little over 2000 a month. If I raise my labor rate by $5 and fiddle with my parts matrix a tad it should balance out.  

It makes me sick thinking about the cost so I need to get it lol.

I do hope this will help me attract the better techs out there. If I can get a more efficient employee out of it the costs would be even more offset.

Edited by Hands On
Posted

The good thing is the max out of pocket is 2k a year. With my families heart history I am basically financing in advance work I know I will need in the future. I also plan to take advantage of all of the pre care health things it offers.

Posted
16 hours ago, xrac said:

At least the deductible is modest.  I am Medicare as of December 1.  My premium (medicare & supplements) drops by over $400 per month and my deductible went from $7,500 to less than $200 otherwise I would still be sweating the health insurance thing. 

I'm with ya Xrac, I turn 65 in April and I'm looking forward to Medicare. My insurance just took another jump of 

$100 to about $950/mo with a 4K deductible. I expect to see a decrease similiar to yours.

Posted

While this is not insurance, I recently learned of this healthcare insurance option.   There is a company here called diamondphysicians.com that offers concierge medicine.  I think it's under $100/month and then most medical issues are covered.  Doctor visits are free, Lab work is about $7, xrays $30, etc.  They have both GP's and some specialists on staff.  I think an insurance agent can make a mint if they find a way to package major medical insurance with this type of medical care.  One is not covered of they have a major medical issue or if you are in a car wreck.  However, if there's a choice between no insurance and this only, it still has value.  The person that told me about this has no insurance and a family with small children.  He's a member of this network and at least he, his wife and kids are getting medical care.    I had always associated concierge medicine with wealthy folks only.  As you can see, this one doesn't break the bank.  

It looks like they might expand to other areas as it is a franchise as well.  

Posted

Health insurance has become a JOKE ! we are not offered insurance through work.. I have to pay out of pocket for my and my wife's insurance. Our monthly bill starting Jan 1st will be 956.00 a month , there is no way we can afford it. We do not qualify for any assistance so it is on us.. Our saving grace maybe that my wife started a new job as a medical secretary for a spine doctor in a hospital so we have looked into their insurance and it looks like we should be able to join hers without having to wait until their open enrollment which is in may and wouldn't take effect until July. They said that they may be able to consider the high payment that we can't afford to be a life altering circumstance. Her insurance will be 400.00 a month cheaper and much much better coverage. much lower out of pocket and deductibles not to mention no need for referrals we can go to any specialist in the network most of which are in our living area so that is a plus as well. We should hear something soon if not we will be without health insurance starting Jan 1st.

  • 1 month later...
Posted

I had to pay a penalty this year because NYS made and error and cancelled a couple of my kids. Their website was broken so they couldn't fix it for a few months. The state got it corrected finally but we still had a gap. How can 6 people be on the same plan, all dependents of me, all signed up at the same time and 2 get dropped mid year? Computer error. Now I have to file another form to get a refund of the penalty, I'm still working on getting reimbursed for some Dr visits. Not to be one of those guys but when I was self insured everybody made more money. The providers and me both. By a LOT! My employees have other halves with family plans thank god because I can't afford to provide health care for them no matter how I figure it. 

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  • Have you checked out Joe's Latest Blog?

         0 comments
      The Technician Shortage Is Our Fault, And It's Time We Own It
      Nearly every day, I hear shop owners complain: "There's a technician shortage. We can't find qualified people. There's no one out there." If that's true, then who's to blame?
      The industry? The schools? The government? I don't know how you feel, but who promised us an endless supply of qualified technicians?
      Another common complaint is that young people do not want to work in the trades. Well, if that were true, then why are other trades such as HVAC, electrical, and plumbing growing? What are they doing that the automotive industry is not? 
      Here's the reality we need to face: We do have a problem, but we shouldn't look for someone or any entity to rescue us. Not the government. Not the trade schools. Not the recruiting companies. No one owes us a workforce. If we want great people in our industry, it's up to us. At some point, we need to own up to the truth: Building a pipeline of qualified technicians is our responsibility.
      In this blog article, I will break down the key reasons we are in this situation today and what we, as an industry, can do to solve the technician shortage. Are you ready to look in the mirror?
      Have We Pushed Technicians Away?
      Let's take a look at flat-rate pay. True flat rate, which pays a technician only for the hours they produce, is a controversial pay plan that emphasizes high production levels and creates a competitive work environment that, if not properly controlled, can lead to increased mistakes and a decline in morale and team spirit. Additionally, the stress and physical demands placed on technicians as they age are not favorable to long-term employee retention. What do we do with technicians as they grow older into their fifties and begin to slow down? 
      I have heard all the arguments and pros and cons of flat-rate pay, and I am not going to judge any pay plan. Let the facts speak for themselves. True flat rate has changed in most areas around the country and has evolved into a pay plan that gives technicians some pay guarantee.
      Many shop owners have learned that team morale, along with the opportunity to earn income, is important to technicians and to the company's long-term success. But let me ask you: how many technicians have left or been pushed out over the years because of the old flat-rate pay system?
      Another issue is the workplace environment. I remember being grateful to be hired as a young technician at a local repair shop. While very thankful, the work environment was not ideal. The shop owner kept the bay doors open year-round (I am from New York) unless it rained or snowed. He felt that if the bay doors were closed, customers might think we were closed for business. We had no heat and no hot water. Many of the jobs were done outside, year-round,  in all types of weather. The starting pay was minimum wage, with no benefits, sick days, or vacation pay. 
      Now, again, I need to point out that I was truly grateful for the opportunity this shop owner gave me. I learned a lot working there, and the experience was pivotal in my career. But looking back, I wonder how many people were discouraged by these working conditions?
      While the physical demands of the repair workplace are daunting, perhaps even more critical is the culture. Too many of my generation shop owners preached the mindset of "my way or the highway." We were the business owners, after all. We started our companies, took all the risks, and provided jobs. Why shouldn't we be the ones to set the ground rules our way?   
      Many of us found over the years that the "my way or the highway" mentality was a sure way to isolate employees and make them more likely to look over the fence for greener grass. In other words, it led many technicians to seek employment elsewhere, where they felt they could be appreciated and recognized for their hard work. The issue, however, was that there wasn't much green grass around. Disappointment after disappointment, bouncing from repair to repair shop, eventually led to despair. So, I ask you: were workplace conditions a contributing factor in today's technician shortage?
      Another factor that we are all well aware of is the complexity of the modern automobile. When I started, the work was mostly physical, and you were required to master essentially three vehicle models: General Motors, Ford, and Chrysler. Let's fast-forward to today. The evolution of automotive technology, along with the extensive training and tools required, has outpaced the typical technician's pay compensation, with no clear career path. Again, leading to frustration and insecurity about the future.
      Here is the bottom line: people don't leave their job; they leave their experience. We must do a better job. 
      The News Isn't all Bad; Your Next Steps to Fix the Technician Shortage
      To fix the technician shortage, it will take a combined effort from everyone in the automotive industry, particularly automotive shop owners. Shop owners are in the perfect position to make the greatest impact, not only on their businesses but also on the future automotive workforce.
      First, shop owners must become better leaders and understand that their ultimate success is directly dependent on the people they assemble around them. Any shop owner who mistakenly believes they can build an empire solely on their abilities is destined for serious disappointment. Business owners who think like this will eventually plateau. Without the collective contributions from a team of qualified people, your business will stall; it will not continue to grow.
      Create a workplace that attracts top talent: a clean, professional, well-equipped facility designed to support productivity, teamwork, and a career, not just a job. Build a great reputation in your community by getting involved locally. Become the auto repair shop that people take notice of as "the" place to work.
      Next, shop owners must become more financially knowledgeable. Knowing your numbers and what you need to achieve for a strong bottom-line profit is essential to paying technicians the money they need and deserve. Profit will also allow you to compete with other trade industries by providing a benefits package that has real take-home value and security.
      When it comes to culture, this is where the rubber hits the road. People crave recognition, praise, and a sense of purpose. Despite what you hear, people are not just money-motivated. Once people feel secure in their financial situation, retaining and motivating technicians can only be achieved by connecting with them on an emotional level. You cannot show enough appreciation. Give out praise for a job well done as if your business depended on it, because it does.
      As technicians age, we need to have a place for them. Expecting a 58-year-old to perform like a 35-year-old is unrealistic. We need to be more focused on career pathing. Provide training, skill development, and coaching to develop leaders and mentors within our older workforce. While their bodies may have slowed, the knowledge they have gained is priceless. 
      Our future is dependent on young people entering our industry. We need to give more young people opportunities. Every shop owner across the country should consider hiring an apprentice, then build an apprentice training plan and career path for them. If every shop did this, we could solve the technician shortage within five years. Get involved with the trade schools and high schools in your area. Look into the NAPA Apprenticeship Program. Don't sit on your hands with this one. Do it today.
      Lastly, don't get left behind. Commit to ongoing training for all your employees. Keep up to date with tools and equipment tailored to your business model. Don't try to be all things to all people and all vehicles. Identify your core profile customer and the vehicles they drive, and become an expert on those vehicles and the services you offer.
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    • By nptrb

      Premium Member Content 

      This content is hidden to guests, one of the benefits of a paid membership. Please login or register to view this content.

    • By Hands On
      The emailed me a form to sign up to be a "service provider" The company Service Up will send me the client. They will bill the client and pay me after the repair. Look at some of the highlights from the terms:
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    • By JustTheBest

      Premium Member Content 

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    • By carmcapriotto
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