Community > Politics, Current News & Events

Topic: Lets Talk About Our Insurance
msharmony Joined Mon 08/31/09 Posts: 61041	Wed 10/16/13 11:30 AM
I pay 167 and some change a month for my family plan, ten dollar co pay and everything else is paid 100%. My union negotiated our insurance and we have given up some pay increases to get good affordable insurance. The point I am making is this. I KNOW I have a great plan but I also know others pay so much its almost unaffordable for them. That is the trouble its not Obamacare its not dem or republican its a social issue on all levels. Why was insurance so affordable to our parents generation and now its rising ten percent a year until no one can afford it? ..............and you wonder why it is so expensive for others! Unions are part of the Elite! Why is it so many Union members go blind and deaf?....Must be all that unnecessary protection they're paying top dollar for....Unions Mobs!.... What type of insurance do you have? Who pays your healthcare if you have it. I have BlueCross BlueShield of Tennessee.... I self insure and have since I retired in 2001 at age 52....In February I will be 65....Yesterday I received a packet from The Department of Health & Human Services letting me know that I am now automatically enrolled in Medicare Part A and B....Part A (hospital insurance) is free, part B (medical insurance) will cost me $104.90 if I decide to buy it....Medicare also offers Parts C and D.....Part C is called Medicare Advantage Plans and the cost is not determined until you select a plan...Part C is Prescription drug coverage and its cost is not determined until you choose a plan.... Were your born with a silver spoon? Did you earn your silver spoon or marry in to it? Self insure is very expensive. Neither, I worked my azz off to secure my future....After I retired, rather than use the money in my IRA, I made a pretty decent living buying and selling real estate (flipping properties)....No silver spoon at birth, no rich husbands...Just hard work and plenty of it....Now can I ask you two questions?...Why do you assume the only way a woman can finance her own life is to be born with or marry money?.... Are you a male chauvinist pig?.... Silly I also asked you if you worked for it.......Did you find time to raise a family? You still owe me an answer silly boy....And what you asked me was "did I earn my silver spoon"...According to my understanding of that expression, I don't have a silver spoon....Just a comfortable, middle class lifestyle which I did indeed earn...Now, are you a male chauvinist pig or not? There in lies to trouble with your perceptions. To pay self insure one must have at least a grand a month disposable income..... at least, and at your age I would assume more. That would put you very close to the silver spoon area. Its no stretch on my part to assume this. I also asked you if you earned it so I so no reason at all for you to be so defensive or confrontational. I also asked you if you raised a family. My point is we all make our choices we are all not born with the same IQ's or benefits of even being born in a middle class. We are a society and as such we all need to take care of each other just as I help pay for your liberal program medicare a younger person will pay into mine when I get older. I don't think the problem is perception...Your knowledge about health insurance is limited and rather than research before you open your mouth, you make foolish assumptions.....My current monthly health care insurance premium is below triple digits and has been for the past 12 years....Rather than continue making a fool of yourself, try thinking outside the box, then do a little research....You calling me confrontational is laughable ......Your "points" are common knowledge Best....Tell us something we don't know.....Now will you please answer my second question?.... I take it you have some type of 80/20 plan and you have no family. Family plans are far more expensive. I am going to assume your being honest. I see no reason at all to answer your question as it was asked based on your missed perception of a comment you failed to understand. I would think a woman of your age would have a little grace....... my bad Excuse me? Did you just insult the lady for being a senior.... AGAIN? Once can be a mistake, but twice is sheer disrespect! other issues aside,, where was there an INSULT Based in age there? don't WOMEN have class? as opposed to girls? isn't that something that usually comes as people gain experience,,ie,, age? could it be insulting that presuming someone elses attachment of class to age is somehow an INSULT to age? I would think a woman of your age would have a little grace.. Tell me one time this lady has been anything but graceful, even after the 1st insult! it was exactly that, a question of 'grace', not an insult about age,, An insult to her grace or age, either one is still an insult, no matter what spin you try to put to it no more than saying someone of your beauty would have grace or someone of your intelligence would have grace the first part (your beauty, your intelligence) is just an observation, not an insult the second (implying an expected grace is absent) is not we all do have an age , don't we? I expect a woman by her thirties to have some grace,, would I Be implying some insult to 'senior' status if I Said so to her? Speaking in generalities is much different than a direct attack on someones character as his comments were..... spin that one! the debate wasn't really about whether there was an attack my point was that nowhere did he insult her being a 'senior'

Bestinshow Joined Mon 06/01/09 Posts: 5540	Wed 10/16/13 11:36 AM
I pay 167 and some change a month for my family plan, ten dollar co pay and everything else is paid 100%. My union negotiated our insurance and we have given up some pay increases to get good affordable insurance. The point I am making is this. I KNOW I have a great plan but I also know others pay so much its almost unaffordable for them. That is the trouble its not Obamacare its not dem or republican its a social issue on all levels. Why was insurance so affordable to our parents generation and now its rising ten percent a year until no one can afford it? ..............and you wonder why it is so expensive for others! Unions are part of the Elite! Why is it so many Union members go blind and deaf?....Must be all that unnecessary protection they're paying top dollar for....Unions Mobs!.... What type of insurance do you have? Who pays your healthcare if you have it. I have BlueCross BlueShield of Tennessee.... I self insure and have since I retired in 2001 at age 52....In February I will be 65....Yesterday I received a packet from The Department of Health & Human Services letting me know that I am now automatically enrolled in Medicare Part A and B....Part A (hospital insurance) is free, part B (medical insurance) will cost me $104.90 if I decide to buy it....Medicare also offers Parts C and D.....Part C is called Medicare Advantage Plans and the cost is not determined until you select a plan...Part C is Prescription drug coverage and its cost is not determined until you choose a plan.... Were your born with a silver spoon? Did you earn your silver spoon or marry in to it? Self insure is very expensive. Neither, I worked my azz off to secure my future....After I retired, rather than use the money in my IRA, I made a pretty decent living buying and selling real estate (flipping properties)....No silver spoon at birth, no rich husbands...Just hard work and plenty of it....Now can I ask you two questions?...Why do you assume the only way a woman can finance her own life is to be born with or marry money?.... Are you a male chauvinist pig?.... Here is the three part question, did you marry a silver spoon? earn it or be born into it? The EARNED part was ignored and I got some absurd comment about being a chauvinistic pig. Then when I pointed that out I was still tasked to answer that question. I see no insult directed except at myself but I wont cry about it. The point of this thread really is to find out about others insurance and what forms the opinions on this topic. I see no plan from the republicans except to let the price go up 10% a year forever.........

Conrad_73 Joined Sat 09/29/07 Posts: 22488	Wed 10/16/13 12:14 PM
I pay 167 and some change a month for my family plan, ten dollar co pay and everything else is paid 100%. My union negotiated our insurance and we have given up some pay increases to get good affordable insurance. The point I am making is this. I KNOW I have a great plan but I also know others pay so much its almost unaffordable for them. That is the trouble its not Obamacare its not dem or republican its a social issue on all levels. Why was insurance so affordable to our parents generation and now its rising ten percent a year until no one can afford it? ..............and you wonder why it is so expensive for others! Unions are part of the Elite! Why is it so many Union members go blind and deaf?....Must be all that unnecessary protection they're paying top dollar for....Unions Mobs!.... What type of insurance do you have? Who pays your healthcare if you have it. I have BlueCross BlueShield of Tennessee.... I self insure and have since I retired in 2001 at age 52....In February I will be 65....Yesterday I received a packet from The Department of Health & Human Services letting me know that I am now automatically enrolled in Medicare Part A and B....Part A (hospital insurance) is free, part B (medical insurance) will cost me $104.90 if I decide to buy it....Medicare also offers Parts C and D.....Part C is called Medicare Advantage Plans and the cost is not determined until you select a plan...Part C is Prescription drug coverage and its cost is not determined until you choose a plan.... Were your born with a silver spoon? Did you earn your silver spoon or marry in to it? Self insure is very expensive. Neither, I worked my azz off to secure my future....After I retired, rather than use the money in my IRA, I made a pretty decent living buying and selling real estate (flipping properties)....No silver spoon at birth, no rich husbands...Just hard work and plenty of it....Now can I ask you two questions?...Why do you assume the only way a woman can finance her own life is to be born with or marry money?.... Are you a male chauvinist pig?.... Here is the three part question, did you marry a silver spoon? earn it or be born into it? The EARNED part was ignored and I got some absurd comment about being a chauvinistic pig. Then when I pointed that out I was still tasked to answer that question. I see no insult directed except at myself but I wont cry about it. The point of this thread really is to find out about others insurance and what forms the opinions on this topic. I see no plan from the republicans except to let the price go up 10% a year forever......... and you still try tell me that the Unions aren't getting preferential Treatment? http://thelibertarianrepublic.com/deal-unions-win-republicans-get-almost-nothing/#axzz2guP6fQd2 Senator Harry Reid (D-NV) and Mitch McConnell (R-KY) reportedly reached a budget deal on Wednesday that will reopen the government and raise the debt ceiling. The increase of the debt ceiling will last until February 7th, when congress will again revisit the issue. The budget will fund the government until January 15th. It would also require income verification to be eligible to receive Obamacare subsidies. The budget deal is expected to win swift approval from Speaker of the House John Boehner (R-OH). Senator Ted Cruz (R-TX) railed against the deal, but stated he would not use procedural moves to delay a vote. Cruz was upset because there were no real substantive changes to the Affordable Care Act. “Unfortunately once again it appears the Washington establishment is refusing to listen to the American people,” Cruz said. “The deal that has been cut provides no relief to millions of Americans who are hurting because of Obamacare. The deal that has been cut provides no relief to the young people coming out of school who cannot find a job because of Obamacare. It provides no relief to all the single parents who have been forced into part-time work struggling to feed their kids of 29 hours per week. It provides no relief to all the hard-working families who are facing skyrocketing health insurance premiums and it provides no relief to all the seni while those with disabilities who are right now getting in the mail notifications from the health insurance companies that they are losing their health insurance because of Obamacare.” Lawmakers are speeding up the budget process today in order to beat the deadline to raise the debt ceiling. Financial market analysts were said to be holding their breath over the gamesmanship and waiting for news that the deal is done. Some experts believed that the markets would seize up if the government ran dry of cash. House Republicans will get almost nothing they asked for. Labor unions will reportedly receive a delay on their reinsurance fees. Downright sickening! http://thelibertarianrepublic.com/unions-might-win-big-obamacare-budget-deal/ The Hill is reporting that labor unions may be the big winners in the budget deal emerging in the US Senate. The compromise would reportedly make only small adjustments to the Affordable Care Act and delay the law’s reinsurance fee for a year. The tax is universal to all the plans, but it was a major topic of discussion at a recent AFL-CIO convention where union members voted to demand changes to the law. The fee was supposed to generate revenue for three years for the purpose of stabilizing premiums as sick patients begin entering the risk pool. New news is that the budget deal would raise the debt ceiling until mid-February. It would also reopen the government, with enough funding to last until January 15th. House Republicans are not likely to react positively to a bill that gives them little concessions, while unions would get a major one. The push to repeal the medical device tax has been taken off the table. Supporters claim that the $30 billion in revenue it will generate is needed to implement Obamacare successfully.

Bestinshow Joined Mon 06/01/09 Posts: 5540	Wed 10/16/13 12:27 PM
I pay 167 and some change a month for my family plan, ten dollar co pay and everything else is paid 100%. My union negotiated our insurance and we have given up some pay increases to get good affordable insurance. The point I am making is this. I KNOW I have a great plan but I also know others pay so much its almost unaffordable for them. That is the trouble its not Obamacare its not dem or republican its a social issue on all levels. Why was insurance so affordable to our parents generation and now its rising ten percent a year until no one can afford it? ..............and you wonder why it is so expensive for others! Unions are part of the Elite! Why is it so many Union members go blind and deaf?....Must be all that unnecessary protection they're paying top dollar for....Unions Mobs!.... What type of insurance do you have? Who pays your healthcare if you have it. I have BlueCross BlueShield of Tennessee.... I self insure and have since I retired in 2001 at age 52....In February I will be 65....Yesterday I received a packet from The Department of Health & Human Services letting me know that I am now automatically enrolled in Medicare Part A and B....Part A (hospital insurance) is free, part B (medical insurance) will cost me $104.90 if I decide to buy it....Medicare also offers Parts C and D.....Part C is called Medicare Advantage Plans and the cost is not determined until you select a plan...Part C is Prescription drug coverage and its cost is not determined until you choose a plan.... Were your born with a silver spoon? Did you earn your silver spoon or marry in to it? Self insure is very expensive. Neither, I worked my azz off to secure my future....After I retired, rather than use the money in my IRA, I made a pretty decent living buying and selling real estate (flipping properties)....No silver spoon at birth, no rich husbands...Just hard work and plenty of it....Now can I ask you two questions?...Why do you assume the only way a woman can finance her own life is to be born with or marry money?.... Are you a male chauvinist pig?.... Here is the three part question, did you marry a silver spoon? earn it or be born into it? The EARNED part was ignored and I got some absurd comment about being a chauvinistic pig. Then when I pointed that out I was still tasked to answer that question. I see no insult directed except at myself but I wont cry about it. The point of this thread really is to find out about others insurance and what forms the opinions on this topic. I see no plan from the republicans except to let the price go up 10% a year forever......... and you still try tell me that the Unions aren't getting preferential Treatment? http://thelibertarianrepublic.com/deal-unions-win-republicans-get-almost-nothing/#axzz2guP6fQd2 Senator Harry Reid (D-NV) and Mitch McConnell (R-KY) reportedly reached a budget deal on Wednesday that will reopen the government and raise the debt ceiling. The increase of the debt ceiling will last until February 7th, when congress will again revisit the issue. The budget will fund the government until January 15th. It would also require income verification to be eligible to receive Obamacare subsidies. The budget deal is expected to win swift approval from Speaker of the House John Boehner (R-OH). Senator Ted Cruz (R-TX) railed against the deal, but stated he would not use procedural moves to delay a vote. Cruz was upset because there were no real substantive changes to the Affordable Care Act. “Unfortunately once again it appears the Washington establishment is refusing to listen to the American people,” Cruz said. “The deal that has been cut provides no relief to millions of Americans who are hurting because of Obamacare. The deal that has been cut provides no relief to the young people coming out of school who cannot find a job because of Obamacare. It provides no relief to all the single parents who have been forced into part-time work struggling to feed their kids of 29 hours per week. It provides no relief to all the hard-working families who are facing skyrocketing health insurance premiums and it provides no relief to all the seni while those with disabilities who are right now getting in the mail notifications from the health insurance companies that they are losing their health insurance because of Obamacare.” Lawmakers are speeding up the budget process today in order to beat the deadline to raise the debt ceiling. Financial market analysts were said to be holding their breath over the gamesmanship and waiting for news that the deal is done. Some experts believed that the markets would seize up if the government ran dry of cash. House Republicans will get almost nothing they asked for. Labor unions will reportedly receive a delay on their reinsurance fees. Downright sickening! http://thelibertarianrepublic.com/unions-might-win-big-obamacare-budget-deal/ The Hill is reporting that labor unions may be the big winners in the budget deal emerging in the US Senate. The compromise would reportedly make only small adjustments to the Affordable Care Act and delay the law’s reinsurance fee for a year. The tax is universal to all the plans, but it was a major topic of discussion at a recent AFL-CIO convention where union members voted to demand changes to the law. The fee was supposed to generate revenue for three years for the purpose of stabilizing premiums as sick patients begin entering the risk pool. New news is that the budget deal would raise the debt ceiling until mid-February. It would also reopen the government, with enough funding to last until January 15th. House Republicans are not likely to react positively to a bill that gives them little concessions, while unions would get a major one. The push to repeal the medical device tax has been taken off the table. Supporters claim that the $30 billion in revenue it will generate is needed to implement Obamacare successfully. Are you happy with the health care in Switzerland? How is it funded?

Bestinshow Joined Mon 06/01/09 Posts: 5540	Wed 10/16/13 03:23 PM
I pay 167 and some change a month for my family plan, ten dollar co pay and everything else is paid 100%. My union negotiated our insurance and we have given up some pay increases to get good affordable insurance. The point I am making is this. I KNOW I have a great plan but I also know others pay so much its almost unaffordable for them. That is the trouble its not Obamacare its not dem or republican its a social issue on all levels. Why was insurance so affordable to our parents generation and now its rising ten percent a year until no one can afford it? ..............and you wonder why it is so expensive for others! Unions are part of the Elite! Why is it so many Union members go blind and deaf?....Must be all that unnecessary protection they're paying top dollar for....Unions Mobs!.... What type of insurance do you have? Who pays your healthcare if you have it. I have BlueCross BlueShield of Tennessee.... I self insure and have since I retired in 2001 at age 52....In February I will be 65....Yesterday I received a packet from The Department of Health & Human Services letting me know that I am now automatically enrolled in Medicare Part A and B....Part A (hospital insurance) is free, part B (medical insurance) will cost me $104.90 if I decide to buy it....Medicare also offers Parts C and D.....Part C is called Medicare Advantage Plans and the cost is not determined until you select a plan...Part C is Prescription drug coverage and its cost is not determined until you choose a plan.... Were your born with a silver spoon? Did you earn your silver spoon or marry in to it? Self insure is very expensive. Neither, I worked my azz off to secure my future....After I retired, rather than use the money in my IRA, I made a pretty decent living buying and selling real estate (flipping properties)....No silver spoon at birth, no rich husbands...Just hard work and plenty of it....Now can I ask you two questions?...Why do you assume the only way a woman can finance her own life is to be born with or marry money?.... Are you a male chauvinist pig?.... Silly I also asked you if you worked for it.......Did you find time to raise a family? You still owe me an answer silly boy....And what you asked me was "did I earn my silver spoon"...According to my understanding of that expression, I don't have a silver spoon....Just a comfortable, middle class lifestyle which I did indeed earn...Now, are you a male chauvinist pig or not? There in lies to trouble with your perceptions. To pay self insure one must have at least a grand a month disposable income..... at least, and at your age I would assume more. That would put you very close to the silver spoon area. Its no stretch on my part to assume this. I also asked you if you earned it so I so no reason at all for you to be so defensive or confrontational. I also asked you if you raised a family. My point is we all make our choices we are all not born with the same IQ's or benefits of even being born in a middle class. We are a society and as such we all need to take care of each other just as I help pay for your liberal program medicare a younger person will pay into mine when I get older. I don't think the problem is perception...Your knowledge about health insurance is limited and rather than research before you open your mouth, you make foolish assumptions.....My current monthly health care insurance premium is below triple digits and has been for the past 12 years....Rather than continue making a fool of yourself, try thinking outside the box, then do a little research....You calling me confrontational is laughable ......Your "points" are common knowledge Best....Tell us something we don't know.....Now will you please answer my second question?.... I take it you have some type of 80/20 plan and you have no family. Family plans are far more expensive. I am going to assume your being honest. I see no reason at all to answer your question as it was asked based on your missed perception of a comment you failed to understand. I would think a woman of your age would have a little grace....... my bad Excuse me? Did you just insult the lady for being a senior.... AGAIN? Once can be a mistake, but twice is sheer disrespect! other issues aside,, where was there an INSULT Based in age there? don't WOMEN have class? as opposed to girls? isn't that something that usually comes as people gain experience,,ie,, age? could it be insulting that presuming someone elses attachment of class to age is somehow an INSULT to age? I would think a woman of your age would have a little grace.. Tell me one time this lady has been anything but graceful, even after the 1st insult! it was exactly that, a question of 'grace', not an insult about age,, An insult to her grace or age, either one is still an insult, no matter what spin you try to put to it no more than saying someone of your beauty would have grace or someone of your intelligence would have grace the first part (your beauty, your intelligence) is just an observation, not an insult the second (implying an expected grace is absent) is not we all do have an age , don't we? I expect a woman by her thirties to have some grace,, would I Be implying some insult to 'senior' status if I Said so to her? Speaking in generalities is much different than a direct attack on someones character as his comments were..... spin that one! the debate wasn't really about whether there was an attack my point was that nowhere did he insult her being a 'senior' TY

Drivinmenutz Joined Wed 11/14/07 Posts: 4290	Sun 10/20/13 01:51 PM
Given the increasing costs of insurance, something did have to be done. I fail to see how ACA is going to do anything but hurt doctors and/or increase medical costs. Horrible idea #1. Not allowing doctors to deny insurance (which means they will have to accept medicare/medicade salaries) Horrible idea #2. Taxing medical equipment and supplies. Is it just me, or is increasing taxing on medical care doing the opposite of making it more affordable? There were much better ways to deal with rising costs of healthcare, and having this shoved down our throats before we even had time to review what in it is like playing russian roulette. Not sure how anyone could be comfortable with such an idea.

Sojourning_Soul Joined Fri 02/13/09 Posts: 10767	Mon 10/21/13 04:11 AM
A post from the Obamacare website page........ "I actually made it through this morning at 8:00 A.M. I have a preexisting condition (Type 1 Diabetes) and my income base was 45K-55K annually I chose tier 2 "Silver Plan" and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so I "opt-out" and chose to continue along with no insurance. I received an email tonight at 5:00 P.M. informing me that my fine would be $4,037 and could be attached to my yearly income tax return. Then you make it to the "REPERCUSSIONS PORTION" for "non-payment" of yearly fine. First, your drivers license will be suspended until paid, and if you go 24 consecutive months with "Non-Payment" and you happen to be a home owner, you will have a federal tax lien placed on your home. You can agree to give your bank information so that they can easy "Automatically withdraw" your "penalties" weekly, bi-weekly or monthly! This by no means is "Free" or even "Affordable"

markc48 Joined Wed 05/07/08 Posts: 5536	Mon 10/21/13 04:51 PM
I have been buying my own insurance way before all of this. My plan is being canceled. For a more expensive plan with higher deductible. Now in the past this cost is 100% tax deductible. I think it may still be. I know people who don't have nothing how are they going to do it.

Bestinshow Joined Mon 06/01/09 Posts: 5540	Mon 10/21/13 05:22 PM
I have been buying my own insurance way before all of this. My plan is being canceled. For a more expensive plan with higher deductible. Now in the past this cost is 100% tax deductible. I think it may still be. I know people who don't have nothing how are they going to do it. Why was your plan canceled? Did they give a reason?