I Got My Insurance! Did you?

  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 12:07 AM GMT
    I waited until the last minute so I was on the phone for 1 hour and 15 minutes, but I got it done. Wasn't exactly "affordable" for me but at least I'm covered now. I'll be paying $507.00 a month but that includes a dental plan. The dental plan was only 14 bucks.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 12:29 AM GMT
    Wow, I take for granted how much my employer pays for my ins. with full health, dental, vision, long term disability attached to it etc.
    We pay $236. EACH for the both of us every month.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 12:38 AM GMT
    Scruffypup saidI waited until the last minute so I was on the phone for 1 hour and 15 minutes, but I got it done. Wasn't exactly "affordable" for me but at least I'm covered now. I'll be paying $507.00 a month but that includes a dental plan.


    Hmm, 500 dollars, but I wonder do you still have a deductible? If so, what is it? For myself, I'll be fine paying the 99 or 100 dollar fine.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 12:41 AM GMT
    Unnamed5 said
    Scruffypup saidI waited until the last minute so I was on the phone for 1 hour and 15 minutes, but I got it done. Wasn't exactly "affordable" for me but at least I'm covered now. I'll be paying $507.00 a month but that includes a dental plan.


    Hmm, 500 dollars, but I wonder do you still have a deductible? If so, what is it? For myself, I'll be fine paying the 99 or 100 dollar fine.


    My fine would have been 1500 bucks! So no way in hell I was going to pay that.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 12:47 AM GMT
    I pay 40 dollars a month for my insurance icon_eek.gif!

    But then again I have a 2000 dollar deductible so there's that.
  • roadbikeRob

    Posts: 14335

    Apr 01, 2014 12:50 AM GMT
    Since I served my country in the Army, I have the VA for all my medical needs. They can keep this bureaucratic boondoggle called Obamacare.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 12:52 AM GMT
    Scruffypup said
    Unnamed5 said
    Scruffypup saidI waited until the last minute so I was on the phone for 1 hour and 15 minutes, but I got it done. Wasn't exactly "affordable" for me but at least I'm covered now. I'll be paying $507.00 a month but that includes a dental plan.


    Hmm, 500 dollars, but I wonder do you still have a deductible? If so, what is it? For myself, I'll be fine paying the 99 or 100 dollar fine.


    My fine would have been 1500 bucks! So no way in hell I was going to pay that.


    I actually need to look into this as it concerns myself... I recall a young person who might seem to hail Obamacare as something good, when I don't think he's going to qualify for Medicaid and basically pays into a system in which he still has a high deductible, and would be no different from an uninsured person at the end of the day.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 1:21 AM GMT
    Scruffy, I'm guessing your income was too high to qualify for subsidies?
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 1:35 AM GMT
    roadbikeRob saidSince I served my country in the Army, I have the VA for all my medical needs. They can keep this bureaucratic boondoggle called Obamacare.


    YOU HAVE GOVERNMENT HEALTHCARE but you hate Obamacare.

    This is as funny as seeing those tea party signs "Hey Gov't, Stay Away from My Medicare!"
  • Timbales

    Posts: 13993

    Apr 01, 2014 1:37 AM GMT
    is a healthcare savings plan considered adequate coverage?
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 1:37 AM GMT
    The "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.
  • creature

    Posts: 5197

    Apr 01, 2014 1:42 AM GMT
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    Because universal healthcare is socialist, and that's a dirty word in this country.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 1:46 AM GMT
    CarolinaMan said
    roadbikeRob saidSince I served my country in the Army, I have the VA for all my medical needs. They can keep this bureaucratic boondoggle called Obamacare.


    YOU HAVE GOVERNMENT HEALTHCARE but you hate Obamacare.

    This is as funny as seeing those tea party signs "Hey Gov't, Stay Away from My Medicare!"

    You do realize that it's totally different, right? He WORKED for his health care. He EARNED IT.

    It would be like if I worked for a business, a law firm, etc. and they gave me health benefits as part of my work. They're my employee, just like the military was Rob's employee.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 1:48 AM GMT
    creature said
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    Because universal healthcare is socialist, and that's a dirty word in this country.

    I think the Affordable Care Act should have been called "Fighting for freedom health action plan". I think it has a more catchy title that would appeal to the target demographics. icon_lol.gif


    8wPTdkh.jpg
  • creature

    Posts: 5197

    Apr 01, 2014 1:48 AM GMT
    libertpaulian said
    CarolinaMan said
    roadbikeRob saidSince I served my country in the Army, I have the VA for all my medical needs. They can keep this bureaucratic boondoggle called Obamacare.


    YOU HAVE GOVERNMENT HEALTHCARE but you hate Obamacare.

    This is as funny as seeing those tea party signs "Hey Gov't, Stay Away from My Medicare!"

    You do realize that it's totally different, right? He WORKED for his health care. He EARNED IT.

    It would be like if I worked for a business, a law firm, etc. and they gave me health benefits as part of my work. They're my employee, just like the military was Rob's employee.


    Right. You would get those benefits as an employee. roadbikeRob is no longer in the military.
  • creature

    Posts: 5197

    Apr 01, 2014 1:50 AM GMT
    xrichx said
    creature said
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    Because universal healthcare is socialist, and that's a dirty word in this country.

    I think the Affordable Care Act should have been called "Fighting for freedom health action plan". I think it has a more catchy title that would appeal to the target demographics. icon_lol.gif


    8wPTdkh.jpg


    lol maybe!
  • Timbales

    Posts: 13993

    Apr 01, 2014 1:54 AM GMT
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    Because it wouldn't be free, and most people in America don't like being told what they have to do. They'd rather not plan for tomorrow and then bitch when the day comes and they are unprepared.
  • Timbales

    Posts: 13993

    Apr 01, 2014 2:07 AM GMT
    My company offers two levels of Blue Cross/Blue Shield coverage, a healthcare savings plan that is untaxed and rolls over from year to year, a flex-plan that they will contribute a partial amount to, optional dental and vision and the HR person told me that until it became a mandate, about 20% of the employees opted for no coverage.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 2:11 AM GMT
    creature said
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    Because universal healthcare is socialist, and that's a dirty word in this country.

    Mh, most people in Uruguay pay for private health care (or they get that through their jobs). You can chose which ones (there are many options) BUT before even going there everyones got access to free healthcare, whether you can't pay for private or you dont want to, free insurance is there; you just go to the hospital and that's it. So how come having public AND private options is such horrible socialism? And even if it is, it works and most countries in the world use it.
  • creature

    Posts: 5197

    Apr 01, 2014 2:23 AM GMT
    David3000 said
    creature said
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    Because universal healthcare is socialist, and that's a dirty word in this country.

    Mh, most people in Uruguay pay for private health care (or they get that through their jobs). You can chose which ones (there are many options) BUT before even going there everyones got access to free healthcare, whether you can't pay for private or you dont want to, free insurance is there; you just go to the hospital and that's it. So how come having public AND private options is such horrible socialism? And even if it is, it works and most countries in the world use it.


    I think that's sensible. I wish we could have public and private options. Technically, there are public options with medicare, medicaid, and VA benefits, but those are open to a select portion of the public. I wish the public option was open to the general public.

    The demographics in this country are changing. Once they take root, I am sure we'll have further change to our healthcare like other nations.

    I'm not sure how much you know about US politics, but the debates are intense regarding the involvement of the federal government in our healthcare.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 2:30 AM GMT
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    You do realize that this is a scheme to primarily fund Medicare (also known as the best health coverage system on the planet once an American reaches 65), right? And it's a coverage system, not an insurance system, as it's not base on any model of insurance that private companies use, or even what a country like Canada uses, that's base on calculating for risk and costs), as there is really no medical procedure in which Medicare denies to anyone when you reach this age as an American (unless of course you want something like private four star hospital suites and unbothered medical staff), it just needs to be funded. When the smoke is gone, yes, Obamacare is really nothing but an insurance and funding system for Medicare, that simply has thousands of onerous regulations to otherwise support inefficient health insurance companies and hospitals, in which young productive people are paying into a system that they are not likely going to be using for a long while, on top of the FICA taxes they are already paying to supposedly fund their own Medicare entitlement (which I doubt will exist by then when 20 or 30 somethings finally become 65). And Medicare is also funded by our country's capacity to borrow money (as you can recall the "government shutdown" back in October 2013 when Republicans were refusing to increase the debt ceiling, and if that was going to go on any longer, the ability to fund Medicare, like hundreds of other federal programs, would be placed in jeopardy).
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 2:40 AM GMT
    Unnamed5 said
    David3000 saidThe "insurance" problem in USA is an issue I will never get. In most places in the world we get free (and private) health care for everyone, it's like a basic and easy thing, how come USA don't fix their situation beats me.


    You do realize that this is a scheme to primarily fund Medicare (also known as the best health coverage system on the planet once an American reaches 65), right? And it's a coverage system, not an insurance system, as it's not base on any model of insurance that private companies use, or even what a country like Canada uses, that's base on calculating for risk and costs), as there is really no medical procedure in which Medicare denies to anyone when you reach this age as an American (unless of course you want something like private four star hospital suites and unbothered medical staff), it just needs to be funded. When the smoke is gone, yes, Obamacare is really nothing but an insurance and funding system for Medicare, that simply has thousands of onerous regulations to otherwise support inefficient health insurance companies and hospitals, in which young productive people are paying into a system that they are not likely going to be using for a long while, on top of the FICA taxes they are already paying to supposedly fund their own Medicare entitlement (which I doubt will exist by then when 20 or 30 somethings finally become 65). And Medicare is also funded by our country's capacity to borrow money (as you can recall the "government shutdown" back in October 2013 when Republicans were refusing to increase the debt ceiling, and if that was going to go on any longer, the ability to fund Medicare, like hundreds of other federal programs, would be placed in jeopardy).

    Im not aware of how the USA medical system is organized, but I can tell from a start it's wrong and dont work or this wouldn't be such a big problem and complication for so many people. I'm interested to know how it is though, but your block of text is not very appealing to read so I might go to Wikipedia someday instead.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 2:46 AM GMT
    I voted for Obama, but I've never been sure about Obamacare. I'm just waiting to see if it will work with my fingers crossed. I'm not exactly happy with what I'm stuck paying, but if it helps others get the health care they need, I'm okay with it.
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 2:50 AM GMT
    More reasons I would never move to the States. icon_rolleyes.gif
  • Posted by a hidden member.
    Log in to view his profile

    Apr 01, 2014 3:02 AM GMT
    Mine finally came through about a month ago.

    (In my state, the bureaucrats and their pet contractors stole $160,000,000 that was supposed to go to make a web site, (A simple web site!) and have nothing to show for it. So there is a long drawn-out process of mailing off applications, then waiting for a serial number, then mailing that back to them, then waiting for a case number, then mailing that off to an insurance company.) icon_rolleyes.gif

    Anyhow, on paper, it's much better coverage than what I had before, for about the same price. And it includes dental! But with insurance companies, after all the double-talk, you never really know what they'll cover until you try to file a claim. I hope it's a good long time before I have to test it.