Check out your Company Bowl for anonymous work chats.
Bowls
Get actionable career advice tailored to you by joining more bowls.
Followed companies
Stay ahead in opportunities and insider tips by following your dream companies.
Job searches
Get personalized job recommendations and updates by starting your searches.
Benefits reviews
931-940 of 1618 Reviews
1.0
Jul 22, 2017
3.0
Jul 19, 2017
5.0
Jul 14, 2017
3.0
Jul 14, 2017
3.0
Jul 12, 2017
3.0
Jul 12, 2017
4.0
Jul 11, 2017
4.0
Jul 11, 2017
5.0
Jul 9, 2017
Anonymous employee
4.0
Jul 6, 2017
Anonymous employee
Former
Not good at all. Be WARNED read the fine print before you take an insurance policy with IBM. The policies look good on paper but then you have to use them. IBM offers a "free" policy with an HSA which even put money in. However, The deductible is $2,700 so that HSA will dry up quickly. Most of mine went away in one visit to a foot specialist.
The following year I got IBM's EPO plan which their most expensive. It has almost no out of network options but that's okay I live in a big city. Well even in an in network hospital my recent ER trip cost me $360. Even the lady who did financing thought told me most employer plans typically make the customer pay $75 for an ER visit. In fact my previous employer had a flat $75 co-pay .
Also that ER visit co-pay doesn't include the urine and blood work. I'm expecting $600-$800 for a two hour visit. My previous employer I took outpatient surgery and it costs me $100 -$200. Aetna(My provider in Texas, IBM has different providers in different states) doesn't really tell you if blood work or other tests are covered in the benefits information. Furthermore I needed medicine that is considered "special drugs" by CVS Caremark. CVS Caremark would initially not honor my Walgreens prescription. I had to call them to get special permission so I didn't need to use mail order from CVS specialty pharmacy for drugs that could easily be gotten from any old pharmacy. Those drugs cost me $220 after insurance. So I am looking at $800 - $1,100 for a two hour ER visit.
I previously paid a $160 co-pay for an allergy test.
I pay $150 every month for insurance that for the most part is pretty mediocre and I am being kind. I fear needing another ER because my insurance certainly is not good enough to cover the enormous co-pays. You think IBM would be better but they are actually than other IT/tech companies when it comes to insurance.
I am considering the individual marketplace and see if I could find better or cheaper insurance than what IBM offers.
Anonymous employee
Current
Baton Rouge, Louisiana
High copay if doctor is not in network.
Anonymous employee
Former
Wide range of options. Watson can provide personalized recommendations to drive savings
Anonymous Program Manager
Former
Detroit, Michigan
There aren't a lot of health insurance plans to choose from, but the one I had was pretty good. A little expensive, but overall it was more than adequate.
Anonymous Client Solution Professional
Current
Little Rock, Arkansas
Average compared to other companies where I have worked.
Anonymous Program Director
Former
Austin, Texas
IBM has continued to shift burden to employees over time.
Anonymous Research Intern
Current
Yorktown Heights, New York State
Not directly impacted by this plan as i am an intern
Anonymous Deliver Project Exec
Current
Las Vegas, Nevada
Premiums have doubled in 2017
Former
Raleigh, North Carolina
The best thing about healthcare is that no matter how good could be you always have to pay lot of money.