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organichic
LIF Adult
Member since 9/08 2223 total posts
Name:
Lauren
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Re: Healthcare Reform Passes the House
Posted by prncsslehcar
I'm probably in the extreme minority here, but as someone who has incredible health insurance, I can honestly say that my husband and I both feel that if we have to pay more so that other people can also have health insurance, then we are ok with it. Sometimes it's for the greater good. Yes my insurance might change, yes the price might go up, but I'm ok with it because when it comes down to it, tomorrow, my husband could be out of a job and we'd be screwed and it could happen to anyone else, too.
That's just my opinion, and I just feel as someone who has wanted healthcare reform, I realistically understand that it will eventually end up costing me more. And I really am ok with that.
Dh and I feel the same way.. we talk about it all the time. Its a tough world out there and I feel for anyone who is without coverage. Dh works for the state and I am a HS Counselor, so we both have terrific coverage. Not everyone is so lucky.
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Posted 11/9/09 4:58 PM  |
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Long Island Weddings
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Lillykat
going along for the ride...
Member since 5/05 16253 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by SweetTooth
You are "scared" the government will be choosing what doctors you can or can't see? Don't you know insurance companies do that now?
My DS has some serious skin issues. I wanted to take him to a pediatric dermatologist - one who I had heard was the best. But, he doesn't accept my insurance. So I couldn't take him to see the dr. would be best for him because I can't afford to pay out of pocket.
This is true that the insurance companies DO tell you who you can see if you are forced to go in network (but many times you can go out of network but many people don't b.c they don't want to pay that extra money)- BUT you can pay out of pocket to see someone else.
Unfortunately my fear is that your situation will become worse not better. I agree something needs to be done - but right now many of the top specialists and best doctors in our area - DON"T take medicare or medicaid - and in fact many of them b/c they are top in their fields don't take any insurance at all. This is much more common in NYC than on LI. They feel that they are that good that they can get by with only patients who pay out of pocket. Doctors are concerned with the new program b.c they worry that they will be getting even less money (they complain now about what insurance pays them). I do think if some of these plans do come to fruition I can tell you that there will be even more specialists who will decide not to take insurance so that will leave you with even fewer choices if you don't want to pay out of pocket. Kind of like with the old HIP program - those who can afford to get good healthcare will and those who can't will end up in programs like HIP which had some scary practices.
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| Posted 11/9/09 5:04 PM |
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KittyKatCopper
missing my handsome boy
Member since 3/09 1579 total posts
Name:
Kat - HamptonsBride (LIW)
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Re: Healthcare Reform Passes the House
Posted by Blu-ize
Your DH didn't contribute one dime to his unemployment benefits. Taxes from his employer paid for it.
Yes, but he paid into the "system" of government which pays for welfare, social security, medicaid, medicare and other resources...that was my point...as to why he had no problem with unemployment like anyone else even with his capitalistic views.
But thanks for pointing that out to me...twice.
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| Posted 11/9/09 5:07 PM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Healthcare Reform Passes the House
Posted by KittyKatCopper
Posted by Blu-ize
Your DH didn't contribute one dime to his unemployment benefits. Taxes from his employer paid for it.
Yes, but he paid into the "system" of government which pays for welfare, social security, medicaid, medicare and other resources...that was my point...as to why he had no problem with unemployment like anyone else even with his capitalistic views.
But thanks for pointing that out to me...twice.
How does that translate to unemployment benefits? They are two totally different things. Unemployment is not an entitlement. He pays nothing for it. It's not a taxpayer funded program. His firm had the choice of paying for it or not. His firm made the decision and funded it.
Sorry for reiterating, just wanted to make sure the facts were acknowledged.
Message edited 11/9/2009 5:27:37 PM.
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| Posted 11/9/09 5:26 PM |
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mommy2Alex
3 babies for me :)
Member since 5/05 6683 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by Cpt2007
Posted by skinny
Can someone answer a few questions for me?
As someone w/ great insurance:
1. Will I be able to keep my current insurance? If so, will I have to pay more for it? (I currently pay about $400 a month.)
2. Will I have to change my doctors?
3. Will I get hit with higher taxes as a result of this plan?
4. Will my coverage change?
I think a lot of people have these same questions. I can't really have an opinion on this until I know more about it.
My read of the bill (in fact, ALL versions that have been put forth thus far) yields the following answers to your questions:
1) it depends on what plan you have, but most likely, no, you will not have to pay more for your current plan. they are only exploring taxing the so called "Cadillac" plans with much higher premiums than $400.
2) no, you will not have to change doctors.
3) again, hard to say b/c the funding of the bills is still being worked out. will there be some aggregate cost to the American public, yes, but at this point, it's too early to say that it's going to cost each tax paying adult $X for the plan.
4) your coverage most likely will not change for the worse and in fact may expand depending on your own situation, if you have, for example, a pre-existing condition.
HTH.
I am going to disagree with some of these answers.
1) no one can say that you will be able to keep your current insurance, if your company decides to pay the 8% payroll tax and let all their employees go on the government plan, then you will no longer have your insurance company unless you buy it privately which will cost you a lot more money now.
2) As for changing doctors, some Drs may no longer practice...yours could be one of them.
3) Everyone is going to be hit with higher taxes in one form or another...it may not be as blatantly obvious as an income tax per se because there is no way to pay for this plan other than to raise taxes. I do not believe one word that they are going to reduce the fraud in medicare and medicaid....why aren't they doing that now?
4) see question one.
I am not against healthcare reform, but this isn't reform it is an overhaul of an entire system that works. Let start with selling insurance across state lines, requiring insurance companies to insure those with Pre existing conditions and allowing people to have healthcare expense accounts. I for one will be calling our senators and voicing my concerns over this bill. I hope it gets killed in the Senate. 2012 can't come fast enough in my book.
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| Posted 11/9/09 5:28 PM |
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KateDevine
*
Member since 6/06 24950 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by organichic
Posted by prncsslehcar
I'm probably in the extreme minority here, but as someone who has incredible health insurance, I can honestly say that my husband and I both feel that if we have to pay more so that other people can also have health insurance, then we are ok with it. Sometimes it's for the greater good. Yes my insurance might change, yes the price might go up, but I'm ok with it because when it comes down to it, tomorrow, my husband could be out of a job and we'd be screwed and it could happen to anyone else, too.
That's just my opinion, and I just feel as someone who has wanted healthcare reform, I realistically understand that it will eventually end up costing me more. And I really am ok with that.
Dh and I feel the same way.. we talk about it all the time. Its a tough world out there and I feel for anyone who is without coverage. Dh works for the state and I am a HS Counselor, so we both have terrific coverage. Not everyone is so lucky.
We agree as well.
My sister didn't have insurance for about 3 years and it made my parents sick with worry.
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| Posted 11/9/09 8:36 PM |
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ttcc
LIF Toddler
Member since 7/09 453 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by Cpt2007
1) it depends on what plan you have, but most likely, no, you will not have to pay more for your current plan. they are only exploring taxing the so called "Cadillac" plans with much higher premiums than $400.
This is what worries me. I work for the city and have great benefits. I don't make a huge salary, but it is the tradeoff that I choose. So will i be taxed more.
I think that healthcare is broken, but i don't feel like more gov't intervention is the answer. I say we make insurance a non-pofit industry...I am sure that would bring costs down!! hard to keep premiums low when every year profits need to be shown!
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| Posted 11/9/09 9:20 PM |
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Re: Healthcare Reform Passes the House
Posted by Xelindrya
Am I in the minority here?
I see a lot here who are "ok with it" to pay for this program. Really?
Wow.
I'm sorry.
I think that's great for you really but not for me. As one said, we already pay for the uninsured. Yes, we do, so the price we used to pay won't change its just going to increase. You're ok with paying more for the same thing? Not just you but your children as well?
I'm very confused how its ok to pay for services you already have which WILL be changed (and if you loved your program before, you think they will just leave it totally untouched?).
The ME ME ME attitude? Hrm, I can see how this 'may' look like that. It's all prespective. I have been laid off twice and uninsured while I was temping. I'm not saying there isn't a problem I'm saying this isnt the solution. It breeds fraudulant behavior and a attitude that the government will be responsible for our healthcare. We need to take ownership of our healthcare, not give it away. I fear our government lacks the balls to truly change the healthcare environment. How much pharmacuetical lobby money is going to move?
If just money...
Well I dont have enough to pay for groceries anymore. I seriously doubt this is going to help me. I can barely afford AJ's food and hubby and I have moved to meager rations of PB&J and ramen soup, but now you want me to pay for someone else too? I'm sorry - yes it's selfish, but I need to take care of my family. If I could help theirs I would, but I can't and forcing me to do so because it makes politicans look good is horribly wrong.
I'm just 'not ok' with paying for insurance for others by taking from my own. This isnt a communist country, it *IS* a capitalist society. I'm not ashamed of that. I worked hard to get what little I have. I will not apologize for wanting to keep it.
But I will say, I'm glad I moved to Texas when I did. I'm glad I haven't bought a home yet because with this, the so-called american dream is more or less GONE. Now I can just hope to keep working long enough to pay for taxes that may free my daughter enough to get a chance a truly free life.
Well said.
And this has nothing to do with being selfish. I would love to see everyone have coverage. At this point, thanks in a great part to the lovely economy, I can barely afford my own. Sorry, I really can't spot others right now.
Yes, the healthcare system is flawed. But this was rushed and this is very flawed and it is not the right way to do things.
I have a great idea of how we can make health care better! Why not implement tort reform and heavily prosecute insurance fraud and make insurance companies competitive with each other. This will greatly lower the price tag on health care. It is a good start. And those who are eligible for Medicaid should be given Medicaid. We have a lot of people in this country who are uninsured and eligible and just don't apply. This is definitely a start.
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| Posted 11/9/09 9:32 PM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Healthcare Reform Passes the House
Both Medicare and SS are flawed programs and they were that way when they were instituted and people like them just fine. So unless it's perfect we shouldn't do it?
Getting people regular medical care will drive down costs of healthcare in our country. Doing nothing will most certainly without a doubt increase it.
We all should be worried about doing nothing because that will definitely affect us and our future generations.
eta: and if you think it's easy to even apply for medicaid, give it a try.
Message edited 11/10/2009 8:39:48 AM.
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| Posted 11/10/09 8:39 AM |
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brownie
Baby #1 is here!
Member since 11/08 13903 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by Palebride
Posted by prncsslehcar
I'm probably in the extreme minority here, but as someone who has incredible health insurance, I can honestly say that my husband and I both feel that if we have to pay more so that other people can also have health insurance, then we are ok with it. Sometimes it's for the greater good. Yes my insurance might change, yes the price might go up, but I'm ok with it because when it comes down to it, tomorrow, my husband could be out of a job and we'd be screwed and it could happen to anyone else, too.
That's just my opinion, and I just feel as someone who has wanted healthcare reform, I realistically understand that it will eventually end up costing me more. And I really am ok with that.
I agree 100%!
same here
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| Posted 11/10/09 9:13 AM |
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twiceasnice
LIF Adult
Member since 2/08 1126 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by Blu-ize
Posted by KittyKatCopper
Posted by Blu-ize
Your DH didn't contribute one dime to his unemployment benefits. Taxes from his employer paid for it.
Yes, but he paid into the "system" of government which pays for welfare, social security, medicaid, medicare and other resources...that was my point...as to why he had no problem with unemployment like anyone else even with his capitalistic views.
But thanks for pointing that out to me...twice.
How does that translate to unemployment benefits? They are two totally different things. Unemployment is not an entitlement. He pays nothing for it. It's not a taxpayer funded program. His firm had the choice of paying for it or not. His firm made the decision and funded it.
Sorry for reiterating, just wanted to make sure the facts were acknowledged.
1. It's a federal law to pay unemployment tax for a company with employees.
(1) they pay wages to employees totaling $1,500, or more, in any quarter of a calendar year; or,
(2) they had at least one employee during any day of a week during 20 weeks in a calendar year
2. In one way or another we all pay this tax, as we will all pay for the healthcare bill indirectly.
Businesses do not just pay these fees/taxes and call it a day. There services and products reflect these costs because they want their profit. Us the consumers pay them
3. Healthcare is not an entitlement either.
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| Posted 11/10/09 9:56 AM |
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mrsej
The cutest!
Member since 1/07 2495 total posts
Name:
Mommy
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Re: Healthcare Reform Passes the House
Posted by Blu-ize
Medicaid and medicare need a major audit. We can probably pay for 1/2 of this bill by getting rid of the waste. I'm not talking about cutting services, but cutting in other areas. Why does it take 8 months to get a medicaid approval? Why do some have to hire lawyers to get the application in and then appeal when it's denied? The system is a mess. I have first hand experience.
Audit this first, then institute a new model for a public option.
I work and deal with Medicaid Fraud cases every day - people are stealing millions, I mean millions, of dollars from the government through Medicaid Fraud. The government only catches a few people but these few people steal upwards of $100 million dollars. Imagine how much fraud is going on that nooone knows about? How is the government going to handle government run health care when they are failing miserably with Medicaid? They need to have some sort of system in place to manage the public run health we have now and they could save probably a billion dollars. Anything government run is a disaster.
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| Posted 11/10/09 10:28 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Healthcare Reform Passes the House
Posted by twiceasnice
Posted by Blu-ize
Posted by KittyKatCopper
Posted by Blu-ize
Your DH didn't contribute one dime to his unemployment benefits. Taxes from his employer paid for it.
Yes, but he paid into the "system" of government which pays for welfare, social security, medicaid, medicare and other resources...that was my point...as to why he had no problem with unemployment like anyone else even with his capitalistic views.
But thanks for pointing that out to me...twice.
How does that translate to unemployment benefits? They are two totally different things. Unemployment is not an entitlement. He pays nothing for it. It's not a taxpayer funded program. His firm had the choice of paying for it or not. His firm made the decision and funded it.
Sorry for reiterating, just wanted to make sure the facts were acknowledged.
1. It's a federal law to pay unemployment tax for a company with employees.
(1) they pay wages to employees totaling $1,500, or more, in any quarter of a calendar year; or,
(2) they had at least one employee during any day of a week during 20 weeks in a calendar year
2. In one way or another we all pay this tax, as we will all pay for the healthcare bill indirectly.
Businesses do not just pay these fees/taxes and call it a day. There services and products reflect these costs because they want their profit. Us the consumers pay them
3. Healthcare is not an entitlement either.
So I pay unemployment taxes by buying products and services from companies? If you follow that logic then I pay everyone's taxes because I am a consumer. Your DH did not "pay into the system" for 20 years and that's why he gets unemployment benefits. You can spin it any way you want. The "I paid into the system so I should get something out of it" mentality doesn't float with UE benefits. It's totally funded by employer paid taxes.
It didn't come out of his paycheck like SS taxes and medicare. If he collected SS and was on medicare then that would be the correct statement.
Medicare and SS are entitlement programs. Medicare is healthcare. Nobody seems to be bothered by these programs. We all like them just fine and they are not perfect and will never be. Healthcare reform will never be perfect. Does that mean we shouldn't make a change?
To answer another poster, Medicaid is a freakin disaster and needs fixing. I've written the letters and plan on doing more. I've written the White house about it too. It's sickening. They should fire everyone over there and start over.
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| Posted 11/10/09 10:42 AM |
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melbalalala
Little Lady
Member since 5/07 5014 total posts
Name:
Melissa
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Re: Healthcare Reform Passes the House
The thought of this healthcare reform turns my stomach, and to me it doesn't involve haves vs. have nots.
1. The quality of healthcare we'll all receive will decrease over time as incentives ($) to be medically revolutionary decrease.
2. The quality of people becoming physicians will greatly decrease in a world where doctors salaries aren't worth the schooling it takes to become one.
3. How can ANYONE think our government can run something like this? Really? I work for the Federal govt and see waste, red tape, laziness, and sub-par service/products daily. We all have seen this at different levels of government. Do you REALLY want to be calling a gov't agency for customer service? To ask about a claim? Have you been to the DMV? Have you dealt with the IRS?
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| Posted 11/10/09 10:46 AM |
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Re: Healthcare Reform Passes the House
Posted by melbalalala
The thought of this healthcare reform turns my stomach, and to me it doesn't involve haves vs. have nots.
1. The quality of healthcare we'll all receive will decrease over time as incentives ($) to be medically revolutionary decrease.
2. The quality of people becoming physicians will greatly decrease in a world where doctors salaries aren't worth the schooling it takes to become one.
3. How can ANYONE think our government can run something like this? Really? I work for the Federal govt and see waste, red tape, laziness, and sub-par service/products daily. We all have seen this at different levels of government. Do you REALLY want to be calling a gov't agency for customer service? To ask about a claim? Have you been to the DMV? Have you dealt with the IRS?
Well said. In this government, the right hand doesn't know what the left hand is doing.
I think we should start slow and make changes. But it is true. Why would anyone want to go through that type of rigorous schooling to not reap the benefits in the end.
How about the government fix Medicare and Medicaid first? Let's see how they do on the small scale.
And any uninsured person can walk into a hospital and they must get treatment.
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| Posted 11/10/09 11:11 AM |
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annoyedTTCer
LIF Adult
Member since 4/09 3272 total posts
Name:
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Re: Healthcare Reform Passes the House
Best way to make sure folks have health insurance is to keep people working.
I'm all for a law that says you must enroll in the health plan offered at work unless covered by a spouse. None of this opting out because you want to spend the $100 a month on something else.
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| Posted 11/10/09 11:26 AM |
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twiceasnice
LIF Adult
Member since 2/08 1126 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by Blu-ize
So I pay unemployment taxes by buying products and services from companies?
Absoultely! You are paying for any overhead that it costs run that company and unemployment taxes are overhead.
Posted by Blu-ize
If you follow that logic then I pay everyone's taxes because I am a consumer.
Dead On! We all pay for it, unemployment, insurance premiums, ss overhead, companies have to make that money before they can pay the bills.
Posted by Blu-ize
Your DH did not "pay into the system" for 20 years and that's why he gets unemployment benefits. You can spin it any way you want. The "I paid into the system so I should get something out of it" mentality doesn't float with UE benefits. It's totally funded by employer paid taxes.
The comment she wrote was based on a comment made that a person with a capitalist belief system would be happy to get an unemployment.
Her point was yes! He worked, he provided a service, he paid into alot of other entitlement programs and his company paid unemployment taxes on him then laid him off so why would he NOT accept this "service". He qualifies for it.
Posted by Blu-ize
Medicare and SS are entitlement programs. Medicare is healthcare. Nobody seems to be bothered by these programs. We all like them just fine and they are not perfect and will never be. Healthcare reform will never be perfect. Does that mean we shouldn't make a change?
I HATE when it is implied that change is not needed or wanted because people do not support the healthcare bills.
I see posts along the lines of "We need change for the common good of man and we are willing to pay the price" ok...so are the other people but they are saying "We want change but we want it to be a SMART change" Thats it thats the only difference. I am noy implying one group is "smarter" I am implying that one group is fearful of what the bills could do knowing the state of so many government run programs and setting up our future for more failure.
I think everyone agrees that SS and Medicare stink and we are all bothered by it because I doubt there is ONE poster on LIF that thinks they will collect SS when they turn... 72! Medicare is a disaster too, we know that is why this bill is so important.
There are realy great solutions but our government is trying to make too many groups happy and the people are the ones who pay the price. Literally
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| Posted 11/10/09 11:27 AM |
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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Healthcare Reform Passes the House
UE taxes are not paid by employees. It's just that simple. They are two different animals. Medicare and SS are programs that we all pay taxes for. UE isn't.
Everything we buy has costs built into it. If that is the logic then I pay for everything and I am entitled to everything.
Everyone pays indirect costs. The premise that you pay into UE so you should get it is just incorrect. I don't contribute directly to the fund for UE, my employer does.
I contribute directly to fund medicare and SS and I hope to be able to rely on that down the road but I don't have my head in the sand about it. I'm prepared not to receive SS.
Message edited 11/10/2009 11:40:05 AM.
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| Posted 11/10/09 11:37 AM |
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Sassyz75
Turning a new page
Member since 5/05 9731 total posts
Name:
Dina
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Re: Healthcare Reform Passes the House
Posted by annoyedTTCer
Best way to make sure folks have health insurance is to keep people working.
I'm all for a law that says you must enroll in the health plan offered at work unless covered by a spouse. None of this opting out because you want to spend the $100 a month on something else.
and what happens when the health plan offered is either unaffordable or stinks? That's where we are now- the good one is $1400 a month OOP and the one we have that stinks is $500 OOP with a super duper high deductible b/f we see ANY benefits that we really can't afford.
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| Posted 11/10/09 1:55 PM |
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JessInCA
live laugh love
Member since 8/06 5082 total posts
Name:
Jess
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Re: Healthcare Reform Passes the House
Posted by BunnyWife
I don't understand why this is an argument? We have spent almost a trillion dollars, yes, a TRILLION dollars on the wars in Afghanistan and Iraq. Why aren't people getting up in arms about that? Think of how many people we could have covered with that money?
Slightly off topic, but I've heard this argument a lot, and I have to wonder if people just don't understand that one thing has absolutely nothing to do with the other. The federal defense budget and the healthcare budget do not intermingle. Even if we pulled all the troops out of Iraq and Afghanistan tomorrow, yes, a lot of money would be freed up, but it would not likely be eligible for transfer to healthcare costs.
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| Posted 11/10/09 2:04 PM |
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DiamondGirl
You are my I love you
Member since 7/09 18802 total posts
Name:
DiamondMama
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Re: Healthcare Reform Passes the House
Posted by JessInCA
Posted by BunnyWife
I don't understand why this is an argument? We have spent almost a trillion dollars, yes, a TRILLION dollars on the wars in Afghanistan and Iraq. Why aren't people getting up in arms about that? Think of how many people we could have covered with that money?
Slightly off topic, but I've heard this argument a lot, and I have to wonder if people just don't understand that one thing has absolutely nothing to do with the other. The federal defense budget and the healthcare budget do not intermingle. Even if we pulled all the troops out of Iraq and Afghanistan tomorrow, yes, a lot of money would be freed up, but it would not likely be eligible for transfer to healthcare costs.
I think this argument is brought up bc so much $$$ is being used to fight these wars....OUR tax $$$ (which everyone comes back to in regards to health care)
I get that the two budgets are seperate.
BUT I also see the point that is being argued...it infuriates people to think of all the $$ and more importantlly lives we have lost 
To think if all that money was put toward healthcare....
Message edited 11/10/2009 2:09:24 PM.
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| Posted 11/10/09 2:08 PM |
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OStewarts
LIF Adult
Member since 11/07 1096 total posts
Name:
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Re: Healthcare Reform Passes the House
Without getting too involved in this debate, I only add that I am cautiously optimistic about this healthcare reform. I think its a step in the right direction and I plan on staying informed and calling our senators to make sure they support it as well. I have no doubt about Schumer but have to check out Gillibrand's website this weekend.
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| Posted 11/10/09 2:18 PM |
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annoyedTTCer
LIF Adult
Member since 4/09 3272 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by Sassyz75
Posted by annoyedTTCer
Best way to make sure folks have health insurance is to keep people working.
I'm all for a law that says you must enroll in the health plan offered at work unless covered by a spouse. None of this opting out because you want to spend the $100 a month on something else.
and what happens when the health plan offered is either unaffordable or stinks? That's where we are now- the good one is $1400 a month OOP and the one we have that stinks is $500 OOP with a super duper high deductible b/f we see ANY benefits that we really can't afford.
Stinks and unaffordable are based on opinion.
I would argue that some plan is better than nothing and ask you what is more unaffordable - $100 amonth towards full coverage or having NONE
My employer offers a top package for $100 a month - fricken deal of the century if you ask me
What are you spending $1400 OOP for?
is this private coverage or through work?
Message edited 11/10/2009 2:25:32 PM.
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| Posted 11/10/09 2:22 PM |
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Re: Healthcare Reform Passes the House
Posted by annoyedTTCer
Posted by Sassyz75
Posted by annoyedTTCer
Best way to make sure folks have health insurance is to keep people working.
I'm all for a law that says you must enroll in the health plan offered at work unless covered by a spouse. None of this opting out because you want to spend the $100 a month on something else.
and what happens when the health plan offered is either unaffordable or stinks? That's where we are now- the good one is $1400 a month OOP and the one we have that stinks is $500 OOP with a super duper high deductible b/f we see ANY benefits that we really can't afford.
Stinks and unaffordable are based on opinion.
I would argue that some plan is better than nothing and ask you what is more unaffordable - $100 amonth towards full coverage or having NONE
My employer offers a top package for $100 a month - fricken deal of the century if you ask me
What are you spending $1400 OOP for?
is this private coverage or through work?
If you have to shell out $1400 a month, I don't think it's an opinion to say that it's unaffordable- I think even without knowing the OP's $$ situation many of us would accept that as fact. Most middle class families with kids would find that unaffordable- at least I know my family would and we have a pretty good income between the two of us.
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| Posted 11/10/09 2:41 PM |
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annoyedTTCer
LIF Adult
Member since 4/09 3272 total posts
Name:
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Re: Healthcare Reform Passes the House
Posted by MrsProfessor
Posted by annoyedTTCer
Posted by Sassyz75
Posted by annoyedTTCer
Best way to make sure folks have health insurance is to keep people working.
I'm all for a law that says you must enroll in the health plan offered at work unless covered by a spouse. None of this opting out because you want to spend the $100 a month on something else.
and what happens when the health plan offered is either unaffordable or stinks? That's where we are now- the good one is $1400 a month OOP and the one we have that stinks is $500 OOP with a super duper high deductible b/f we see ANY benefits that we really can't afford.
Stinks and unaffordable are based on opinion.
I would argue that some plan is better than nothing and ask you what is more unaffordable - $100 amonth towards full coverage or having NONE
My employer offers a top package for $100 a month - fricken deal of the century if you ask me
What are you spending $1400 OOP for?
is this private coverage or through work?
If you have to shell out $1400 a month, I don't think it's an opinion to say that it's unaffordable- I think even without knowing the OP's $$ situation many of us would accept that as fact. Most middle class families with kids would find that unaffordable- at least I know my family would and we have a pretty good income between the two of us.
How many people pay $1400 a month for their health coverage through work?
I'm guessing less than 0.005%
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| Posted 11/10/09 2:47 PM |
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