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4ghost  
#1 Posted : Tuesday, November 04, 2008 7:49:38 AM(UTC)
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I have not had NALC Health Insurance for several years. How good is it now? Do you recommend it? I presently have BC/BS, but I am considering changing to NALC to supplement Medicare coverage that I will be getting in April. Any advise?
Thanks
ejm604  
#2 Posted : Tuesday, November 04, 2008 8:03:41 PM(UTC)
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NALC and Medicare A & B work perfectly together at a lower cost than BC&BS. Even slightly lower drug co-pays.
saturneptune  
#3 Posted : Monday, September 14, 2009 10:30:34 PM(UTC)
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I noticed NALC is about $100 less per month than Blue Cross Blue Shield. Could someone give me some feedback about how they like the NALC insurance? Thanks
dhacker56  
#4 Posted : Monday, September 14, 2009 10:52:12 PM(UTC)
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I have had NALC for two years after using BC for 10-15 years. NALC customer service seems to be accessible and helpful. The bennys are basically the same except for the lack of any dental coverage. But then again BC's dental allowances haven't changed in about 20 years. They paid very little for the extra premium. NALC in my opinion is superior for MY needs. But you should compare the coverages based on your current medical profile.
saturneptune  
#5 Posted : Wednesday, September 16, 2009 12:28:04 AM(UTC)
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thanks for the response
03INF  
#6 Posted : Saturday, November 24, 2012 12:28:45 PM(UTC)
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Isn't it like 500 $ a month for just the employee?
dhacker56  
#7 Posted : Saturday, November 24, 2012 8:06:13 PM(UTC)
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NALC for family coverage for the RETIREE is only 326/mo. It is nowhere near 500 month for the employee only.
Rabbitt12  
#8 Posted : Sunday, November 25, 2012 12:12:27 AM(UTC)
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BC/BS Basic is less than NALC.
jello  
#9 Posted : Sunday, November 25, 2012 12:34:22 AM(UTC)
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BC/BS Basic is great and cheaper if you have access to Prefered Providers but if you are in a smaller town you won't have the amount of prefered providers so you could end up paying more for your Dr. visit if not a PPO. I switched to NALC because my favorite medical center dropped BC/BS and so far I really like the NALC plan.
rich1mc1  
#10 Posted : Sunday, November 25, 2012 4:01:46 AM(UTC)
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Many doctors have dropped BC/BS in the last two years. I have had NALC for Myself and familly for many years, it is less expensive for me here than BC/BS is, plus there is a rate reduction on it this year. I currently pay $105.00 every pay period for it. It also pays the doctor promptly, and has many cash out of pocket savings options.rich1mc12012-11-25 12:11:50
alpine2g  
#11 Posted : Sunday, November 25, 2012 6:08:02 AM(UTC)
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Not if your a T.E. Then it's thru the roof, $286 bi weekly for the Nalc when BC&BS for me is $199 per month.
5 year T.E. retired a CCA 8/20/2013.
dhacker56  
#12 Posted : Sunday, November 25, 2012 7:21:00 AM(UTC)
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Alpine- be careful. You are comparing apples to oranges. Basic has NO mail order Rx plan.
alpine2g  
#13 Posted : Sunday, November 25, 2012 11:28:28 AM(UTC)
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Just saying Hack.

5 year T.E. retired a CCA 8/20/2013.
boober  
#14 Posted : Sunday, November 25, 2012 11:29:33 AM(UTC)
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Mail order RX plans are soooooooo over rated anyways.
[img]https://i.chzbgr.com/maxW500/1706490624/hAE2AE657/[/img]
dhacker56  
#15 Posted : Sunday, November 25, 2012 9:09:13 PM(UTC)
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boober - My wife has ONE Rx that she has taken ALL the time since about 1984. It still costs 2700+ for three months cash. I pay $65. Is that over rated?   And I can pick it up right in the Pharmacy NO extra charge.
And that is just one on 5 she takes.
HoosierDaddy  
#16 Posted : Sunday, November 25, 2012 11:37:34 PM(UTC)
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If picking it up at the pharmacy costs the same as mail order doesn't that prove the point boober was trying to make?
dhacker56  
#17 Posted : Monday, November 26, 2012 6:52:30 AM(UTC)
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HD- no it does not cost the same. since Caremark is owned by CVS we can get our mail order thru the store instead of mailing away. Still have the mail order price but the convenience of pickup.
HoosierDaddy  
#18 Posted : Monday, November 26, 2012 7:44:47 AM(UTC)
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It does cost the same, and its not mail order if you pick it up from the pharmacy.
dhacker56  
#19 Posted : Monday, November 26, 2012 8:33:21 AM(UTC)
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It does not cost the same as if I filled a 90 day RX thru the pharmacy.
That RX I spoke of costs $2765 cash price. If I bought it thru the pharmacy I would pay 20%. That is a heckuva lost more than $65.
I know because I am now a Pharmacy Tech and I have priced it.O\
The main point is that there is no way you could get the RX with BCBS Basic for what you can with NALC. NO WAY NO HOW!
dhacker562012-11-26 16:43:18
HoosierDaddy  
#20 Posted : Monday, November 26, 2012 9:00:32 AM(UTC)
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dhacker56 wrote:

The main point is that there is no way you could get the RX with BCBS Basic for what you can with NALC. NO WAY NO HOW!
Wrong again. Once you meet the catastrophic limit with BCBS Basic you pay absolutely nothing for prescriptions. My wife takes multiple prescriptions also and we haven't had any co-pays since June.
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