gr8Dad
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...healthcare reform passed the House.
Some of the finer points Pelosi BRAGGED on?
The government will MANDATE things that private insurance companies WILL cover, and there will be NO limit on the amount they MUST pay out. There will be a government imposed limit on the amount "we" will pay in premiums and co pays.
Gee, we will GREATLY increase your cost, and LIMIT your pricing. But we're NOT trying to put you out of business. Considering the health insurance companies are running a 3% profit margin, they will not be in business long. But worry not, cause you can ALWAYS use the government option. Whew, good thing we put THAT in there, cause those MEAN old private companies will only take advantage of you.
Under a healthcare plan, companies will be MANDATED to cover "children" under a parent's policy until they are TWENTY SEVEN.
Lovely, welcome to the Socialist Republic of America. I will be honest, for the first time in my life, I am TRULY embarrassed and disappointed in my country.
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
Edited by gr8Dad (11/07/09 10:28 PM)
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JennyLynn
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Yup, I was going to post it but figured you or Red would.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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JennyLynn
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So I guess now they need 60 votes in the Senate to pass it fully? Is that right?
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Redlegg
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But Michelle is proud.
I have been reading throught he 1900 page monstrosity. I heard today that this was passed by the leadership getting the Dem who oppose federal funding for abortion to vote for it, because the wording that allows that would be changed later. They do know they can edit on these computers they use, right??
There a lot of things that this country has done that are embarrasing. But this may be a step towards charging Americans a price for being American. Forget what the parents want. You know, that child that disowned you as a parent, well now you may be paying for them to be on your policy whether you want to or not. The one thing that came out of this is that now intact families will be ordered to pay insurance just like those parents that are divorced. the playing field is level.
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JennyLynn
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They took the abortion ammendment out before it was voted on though didn't they?
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Redlegg
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I did not even watch it, I had heard the amendment was to ban the funds from being used for abortion. So if they took out the amendment, hmmm. So I will say I do not know if they voted with it in there or out of there. It really does not matter though. The funny thing is they could have hammered this down our throats with their 60 votes in the senate regardless, the only reason they could not was because of the democrats who couldn't unite for their own bill. Too funny It is far from over.
My guess is that none of this will be in effect before 2013 because if America starts feeling the cost, it will be the price of a second term.
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JennyLynn
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I've been watching it - I believe they took that part out, b/c they were afraid they wouldn't pass it if it was included. I've been watching it off and on though, so i can't say for sure.
And yes, it is definitely far from over - and they hardly won by a landslide - 220 yes's to 215 no's.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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RJ1
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Did anyone see Obama's half brother on Larry King pushing his new book? He looks a lot like Obama since they have the same Dad...but is seriously...uhhh...weird. I mean he's goofy.
-------------------- Roll Tide!!!
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JennyLynn
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I didn't see it.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Cassie23
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I agree. I do see the flip side for people who can't have insurance privately or through the state. My mother is a perfect example right now. She is 61, not old enough for Medicare, but makes too much money for Medicaid. She cannot get state insurance, because she doesn't meet the income guidelines for that. She can't pay for private insurance because she has diabetes and she will not get accepted since she is insulin dependent.
She can get a special kind of insurance, but has to be without insurance for at least 6 months.
Where I live unless you can get Medicaid or Medicare or you are pregnant or have children (and meet the income guidelines) there is no insurance for you. In the case of my mom she would not be eligible for insurance here. They do have insurance that is considered for those that are high risk. $700/MONTH. On someone who brings in $1200/month that is impossible.
There should be statewide programs for those that fall in the cracks.
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gr8Dad
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...the Dem's are saying, "Now healthcare is a right!" and touting that this will provide healthcare to 96% of the people....hmmm, isn't a "right" something that ALL people have access to? I mean could you see the right to free speech or to vote only being applied to 96% of the population? Isn't that discrimination?
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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JennyLynn
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I agree with you Cassie. There are always those who fall between the cracks - which is why personally I think there should have been reform in the current healthcare system, rather than writing up something new that is costing us 1.2 trillion dollars.
I do believe there needs to be reform, but I don't agree with the way in which it's happening right now, and the way some want it to go.
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Sherron
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"She is 61, not old enough for Medicare, but makes too much money for Medicaid."
Can she get on insurance through her employer?
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Cassie23
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I agree JL...
And I agree with gr8 as well! 96% hmmm....
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JennyLynn
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Geraldo who's on Fox hosting the election on that channel pointed out the other 4% are the illegal aliens?
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JennyLynn
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Also interesting - requires individuals to either purchase healthcare, or pay a fine.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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gr8Dad
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...someone ELSES fault? She chose to NOT have insurance BEFORE she got sick, now that she IS, she wants to complain that it costs a lot. I mean you don't need CAR insurance until you have a accident, so would you feel sorry for someone complaining that they couldn't get their car fixed cause they didn;t have car insurance when tey got in a wreck, and NOW the insurance company wants to much?
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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Cassie23
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She is working as of right now, she has neuropathy which is causing her some pain. Last year she was in the hospital 3 times for a stroke, and other diabetic related incidents. She is working FT, but then had to cut her hours. She wants to start working PT and live off the social security death benefits she gets from my Dad. she was going to try and declared disabled, which is what she was told she could do...but that could take months if not years. She is kinda stuck between a rock and hard place. Right now she works in the hospital pushing carts with trays and picking up boxes. She is having issues walking and problems with her hands and wrists (carpal tunnel). She had surgery for the one wrist and she ended up in the hospital for 2 weeks. It was really bad.
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Redlegg
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I agree. I do see the flip side for people who can't have insurance privately or through the state. My mother is a perfect example right now. She is 61, not old enough for Medicare, but makes too much money for Medicaid.
So what if we used the programs that exist, and work for coverage. Why not expand the limits. get your mother, and others like her covered by an existing program. does it make sense to change something that works for the majority of the people now.
This going to be shameful, watch what happens, surely people will get covered, but what about your insurance. it is sad that the government is saying you can keep your insurance now, when you don't even have that choice now.
The cost of healthcare will not go down. Like medicare, what the government will pay for for healthcare will go down, but the cost of it won't go down. When the organizations that provide it, cannot fund improvements, well, what will happen is obvious.
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gr8Dad
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...DEPENDS on fines of 168 BILLION to fund part of it. So if everyone follows the rules and gets insurance, the program will be underfunded, LMAO.
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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Cassie23
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She has insurance now, she is physically having issues with her neuropathy and really diabetic related issues. She could try and get declared disabled, but that could take forever. Her doctor suggested she cut hours but then she would no longer be able to eligible for insurance.
she is actually looking at moving back to NYS. There you can get insurance for $250/month if you move into the state. If you live in the state and lose your insurance you have to go without ins. for 12 months before they will pick you. This is Healthy NY. They do have programs for those with low income, but she wouldn't qualify for those with the $1200/month she gets from my Dad's death. Family Health Plus she misses the income limits by $1000/yr.
Edited by Cassie23 (11/07/09 10:57 PM)
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Cassie23
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So what if we used the programs that exist, and work for coverage. Why not expand the limits. get your mother, and others like her covered by an existing program. does it make sense to change something that works for the majority of the people now.
______________________________________________________
I agree.
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sally1234
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You are all talking like this has passed - it has not become law, nor will it. The Senate does not have the votes, not even close. Everyone is in hysterics over this and all it really has done is placed many Democrats at risk in 2010. That is why it made it through with only 219 Dems, because the ones who voted for it will be vulnerable next time around, so why risk more votes. This is a bad Bill and will not see the light of day.
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Sherron
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Cassie, you're confusing me...
" I do see the flip side for people who can't have insurance privately or through the state. My mother is a perfect example right now. She is 61, not old enough for Medicare, but makes too much money for Medicaid. She cannot get state insurance, because she doesn't meet the income guidelines for that. She can't pay for private insurance because she has diabetes and she will not get accepted since she is insulin dependent."
"She has insurance now"
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JennyLynn
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Did you catch the "bipartisan" chuckle? Give me a break..
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JennyLynn
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That's true sally.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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gr8Dad
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...her income will go down, and she could qualify for medicaid.
Bottom line, she is 61, the "system" is designed for her to be RETIRED. Failure to do so is HER fault for not planning better. I know that may sound "mean" or heartless, but honestly, we ALL have curveballs thrown at us. I lost my house because of my move, will not qualify for buying a house for YEARS because of it. Don't see anyone looking to help ME out, and I don't EXPECT it, cause I do not look to the government to support me, other than the paycheck I get for the work I do for them.
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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Cassie23
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she has insurance RIGHT NOW, but she wants to work PT since physically she is feeling unable to continue. If she goes PT she will lose her insurance. So she looked into alternatives for insurance. Private insurances won't accept her, Medicaid she would make too much based on the $1180 she would get from my dad's death benefits and Healthy IN--- you have to be without insurance for 6 months before you become eligible.
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JennyLynn
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Holy crap RJ - watching it now, they look so much alike!!
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Miranda
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Loc: North of Mexico
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I have a wait and see type attitude regarding this. As a military dependent I already have socialized healthcare. Is it the best, no? Is it pretty good? Hell yeah.
I think health insurance companies (well just insurance in general) are the biggest con artists in the world. People should not be denied for "pre existing conditions". Did you know that "little people" cannot be covered EVER because of pre existing conditions? I don't think that anyone who works, and pays taxes for a government should be denied medicaid or medicare...especially when illegal aliens get it for free.
-------------------- I may be schizophrenic but at least I have each other.
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gr8Dad
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You know, I am raising three kids alone, I would like to work part time as well, so I can spend more time with them, should the government give me the means to do that?
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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Cassie23
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True. She just wishes the programs that are available now would accept her. Healthy IN will only take her if she has no insurance for 6 months. The other programs will only cover pregnant women or families with children.
If her hours go down she still makes too much because my Dad's death benefit is $1180/month. Medicaid is something like $800-$900/month.
She doesn't mind PAYING for insurance BUT there is NO insurance she qualifies for.
Cobra would be about $500/month.
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Sherron
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"she has insurance RIGHT NOW, but she wants to work PT since physically she is feeling unable to continue. "
She WANTS to work PT...? I'll probably sound cold, but it appears she does not currently have that option.
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Miranda
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[quote]You are all talking like this has passed - it has not become law, nor will it. The Senate does not have the votes, not even close. Everyone is in hysterics over this and all it really has done is placed many Democrats at risk in 2010. That is why it made it through with only 219 Dems, because the ones who voted for it will be vulnerable next time around, so why risk more votes. This is a bad Bill and will not see the light of day. [/quote]
Oh I, for one, am VERY excited for November of 2010. I cannot wait till Pelosi is outta there!
-------------------- I may be schizophrenic but at least I have each other.
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RJ1
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I mean he eventually makes his points...but it takes him forever and he goes around in circles and stutters. He is Twilight Zone weird if you ask me. They do look a lot alike don't they?
-------------------- Roll Tide!!!
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Cassie23
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Her doctor suggests she works PT because she has a hard time getting around, or finds another job that isn't so labor intensive...
Exactly that is why she isn't quitting or working PT, because she loses her insurance. She had a stroke a few months back, we didn't think she would ever be able to work again. So she did get better, not back to where she was before, but better.
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JennyLynn
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I agree with you for the most part Miranda.
I DON'T believe people should be denied for pre-existing conditions, however - I'm not against their premiums being higher b/c of them. Take for example auto insurance - "preexisting conditions" would be tickets, wrecks, etc - that lead to a higher premium. Premiums go up when the conditions are more at risk.
But I do agree - they should NOT be denied or dropped b/c of preexisting conditions, but I can see why premiums would be higher.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Miranda
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[quote]You know, I am raising three kids alone, I would like to work part time as well, so I can spend more time with them, should the government give me the means to do that? [/quote]
Well you think the government would want to keep you healthy so that you could continue to pay taxes. Who else is going to foot illegal aliens' kids' college tuition?
-------------------- I may be schizophrenic but at least I have each other.
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Redlegg
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There is no question the big players want to eliminate private health insurance, they have said that numerous times. They do not hide it, they have said that this is the only way to get there. Private insurance will cease to exist. We will have health care programs like the european and canadian state run programs. This is no secret. The quality and quantity will suffer, it has with everyone who has tried it. Someone who is not insured now, may get insurance, but that only means that someone else will not get an MRI later on. we will get used to it.
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sally1234
enthusiast
Reged: 12/07/06
Posts: 222
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I would also add that this will scare the daylights out of the electorate. This was not a good move by the Democrats as more comes out about what's in the 2,000 pages. Pelosi took a victory lap at the expense of her party.
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Sherron
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"She doesn't mind PAYING for insurance BUT there is NO insurance she qualifies for.
Cobra would be about $500/month. " Okay, so she WOULD qualify for COBRA then?
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JennyLynn
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They do RJ, a lot.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Cassie23
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True gr8dad, she isn't looking for a hand out, she would be more than happy to pay for private insurance, it just isn't possible since she is insulin dependent. Healthy IN she could get and pay for, but she has to be without ins. for 6 months.
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Miranda
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[quote]"She doesn't mind PAYING for insurance BUT there is NO insurance she qualifies for.
Cobra would be about $500/month. " Okay, so she WOULD qualify for COBRA then? [/quote]
Who said that she'd qualify?
-------------------- I may be schizophrenic but at least I have each other.
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gr8Dad
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"People should not be denied for "pre existing conditions"."
Why not? It will eat into the ALREADY small profit margin, with little hope of collecting more than they pay out. Suppose you agree to do a job for someone, and after starting, you are informed that the job contains more work than you will make profit on? Almost EVERY company has clauses for extended work and more charges for unknown factors. For example, you own a roofing company, and you have an advertised roof for X amount of dollars. Upon removing the roof, you find the rafters EATEN by termites and they MUST be replaced, at TWICE the cost, should YOU have to eat the cost because the customer didn;t tell you about the termites? Of course not, more work, more money, its the way of the world.
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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JennyLynn
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But Red, I think they are trying to hide it. They are saying this is going to be an "option" - they are NOT saying they want it to eventually be th ONLY option. So many people believe in the "option" b/c that's all they think it will be. They don't realize the point is to completely do away with private insurance altogether.
(ETA - they have said it, but have denied it as of late - ever saying it. They aren't publicly admitting it, b/c they are trying to fool people into believing that isn't their goal, IMO)
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
Edited by JennyLynn (11/07/09 11:08 PM)
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Cassie23
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Yes, Cobra is an option and something she looked into. But after her out of pocket prescription costs and seeing the endo as well as other well check visits, she couldn't afford Cobra, all of the above, her rent, food and the rest of her bills. We looked into it all.
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Miranda
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[quote]"People should not be denied for "pre existing conditions"."
Why not? It will eat into the ALREADY small profit margin, with little hope of collecting more than they pay out. Suppose you agree to do a job for someone, and after starting, you are informed that the job contains more work than you will make profit on? Almost EVERY company has clauses for extended work and more charges for unknown factors. For example, you own a roofing company, and you have an advertised roof for X amount of dollars. Upon removing the roof, you find the rafters EATEN by termites and they MUST be replaced, at TWICE the cost, should YOU have to eat the cost because the customer didn;t tell you about the termites? Of course not, more work, more money, its the way of the world. [/quote]
WHHAAAATTTTTTTT????????????????????
-------------------- I may be schizophrenic but at least I have each other.
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Cassie23
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Do they deny Cobra for pre existing conditions? I don't know about that? She just looked into how much it would cost.
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Sherron
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"Yes, Cobra is an option and something she looked into. But after her out of pocket prescription costs and seeing the endo as well as other well check visits, she couldn't afford Cobra, all of the above, her rent, food and the rest of her bills. We looked into it all." Are you able to help her out financially?
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gr8Dad
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People with preexisting conditions COST MORE to insure.
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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Cassie23
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I would assume those without pre existing conditions would see it that way. Hmmm... I have a daughter with a pre existing condition, as do I... I can't even imagine what it would cost to have no insurance for her. Her prescriptions on a monthly basis with insurance were at $250. Plus the price of testing and 3 specialists and reg, dr. every 3 months.
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Cassie23
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I am right now. Long story. UGH. And that is with her getting health ins.
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JennyLynn
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SO has preexisting conditions - and had to pay a lot more when his employer didn't cover it, so I do partially understand. Even so - I don't believe those w/ preexisting conditions should be denied, but I can see how they would have higher premiums.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Sherron
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Okay, I'm confused, Cassie. What is the problem then?
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Cassie23
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Hmmm... here we all are on a Sat. night talking about health care... Hahahaha. Nothing better to do!
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Sherron
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"SO has preexisting conditions " Sigh... for the LAST time, JL... a small weiner is NOT a "pre-existing condition".
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JennyLynn
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LMAO - Sherron!!!!!!!!!1
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Cassie23
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Confused how? I am helping her out now, without her getting Cobra for $500/month. I would not be able to afford to pick up an extra $500/month to cover Cobra costs.
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Redlegg
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JL, there are too many instances of the biggest supporters of this outright saying they want single payer. They know they cannot do it outright, so they are phasing it in, little by little. As one insurance company goes under, all clients go to the government option.
The government could write laws to cover dropping people/pre existing conditions. No one who is in this country should not receive healthcare. we are a great country, and we should not leave anyone behind. But that does not mean you give it away freely. There are ways to do this without rewriting the entire system. This is a true case of sacrificing quality for quantity.
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JennyLynn
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I agree Red. That's why it drives me insane when I have friends who are educated who absolutely refuse to believe that's where this is going.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Sherron
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"Confused how?" Your mother has options, she just doesn't want to exercise them.
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Cassie23
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LOL--- ohhhhhh okay, then I guess you are no longer confused. If paying $500/month for healthcare so that she can't afford rent or food, is an option then YES she def. has options.
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Cassie23
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Regardless her REAL option will be to work less, not have health ins. and get picked up after 6 months. While looking for income based housing in NYS where she can move in and get health insurance. BUT those living in NYS cannot receive health insurance (with the same income level she has) because they would have to be without insurance for 12 months.
We do what we do, and just hope the rest falls as it should.
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Sherron
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She can stay working FT and keep the insurance.
She can reduce her hours and get COBRA.
She can stop entirely, apply for disability, and get medicaid.
Seems to me she has options, but she's got excuses why neither one of them work.
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Cassie23
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Yes, disability would take months if not years, so she can be without ins. either way.
She can't get Cobra is she can't afford food and rent. Shelter and food come first.
I don't know how those are excuses? I call that common sense.
Her option quit and go without insurance for 6 months or move to a state where you can get insurance. The latter is my suggestion, if I were in her shoes.
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sally1234
enthusiast
Reged: 12/07/06
Posts: 222
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I am moving from liberal to the middle and a friend of mine is pushing me. She sent the following email to me
"I think I understand this????
OK. I THINK I GET IT . .. … … . . .
Let me see if I understand all this....
IF YOU CROSS THE NORTH KOREAN BORDER ILLEGALLY YOU GET 12 YEARS HARD LABOR.
IF YOU CROSS THE IRANIAN BORDER ILLEGALLY YOU ARE DETAINED INDEFINITELY.
IF YOU CROSS THE AFGHAN BORDER, YOU GET SHOT. IF YOU CROSS THE TURKEY BORDER ILLEGALLY, YOU SPEND THE REST OF YOUR LIFE IN PRISON!
BUT, IF YOU CROSS THE U.S. BORDER ILLEGALLY YOU GET: A DRIVERS LICENSE A SOCIAL SECURITY CARD WELFARE FOOD STAMPS AND, FREE HEALTH CARE
Oh well sure . . . . That makes perfect sense!!!!!"
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Sherron
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Posts: 8521
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"Yes, disability would take months if not years," According to who? That is an excuse right there.
"She can't get Cobra is she can't afford food and rent. Shelter and food come first." Then I guess her other option is to stay working FT to keep her coverage. **shrugs**
Interesting how we went from "she can't get coverage" to she CAN get it, she just can't afford it or doesn't like what she has to do to get it.
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Cassie23
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My Dad was UNable to get disability through the state while he was deathly sick. He died and they FINALLY, after his death declared him disabled. His doctor, who is a friend of mine, told us that disability usually gets kicked out the first couple of times. So we are going on his word.
Yes, she is choosing to work FT right now, just as she has, but the neuropathy is making it difficult for her to DO the job. She will most likely be let go if she cannot complete the physical labor she was hired to do.
Yes she has coverage and can get coverage, "can't" was used incorrectly. She was hoping to find private insurance or any kind of insurance that is somewhat affordable for her given her situation/needs.
Edited by Cassie23 (11/07/09 11:35 PM)
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Sherron
Carpal \'Tunnel

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"So we are going on his word." And I could tell you stories about people who got it within a couple of months. I guess the only way to find out for sure for your mother is to actually APPLY.
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Cassie23
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Yes that would be the plan if she so chooses to go that route.
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Sherron
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"if she so chooses to go that route." See, isn't it amazing how many CHOICES she has?
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Cassie23
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Yes she has choices, it's just picking which one...most will leave her without affordable health insurance. So I pick moving to a different state and being able to get insurance. I just think it sucks you can move to a different state and get ins. but those that LIVE in the state can't get ins. unless they have been without for 6-12months.
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Sherron
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"Yes she has choices, it's just picking which one...most will leave her without affordable health insurance."
Well, that's a lot better than "My mother is a perfect example right now. She is 61, not old enough for Medicare, but makes too much money for Medicaid. She cannot get state insurance, because she doesn't meet the income guidelines for that. She can't pay for private insurance because she has diabetes and she will not get accepted since she is insulin dependent."
We've already previously established that I MAKE less a month than you RECEIVE in cs. And yet, I pay just under $200 to have insurance for both my kids. I guess if I can swing it, your mother can as well. And one thing your mother has that I don't have - family who can help out. **shrugs**
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jaiye
old hand

Reged: 10/27/05
Posts: 773
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However Sharron even if she could get disability from SSDI she still would not be eligible for Medicare for a year after she applies and that is only IF they approve it. It took me almost 4 years before I was approved and only after appeal. If took almost 2 years to get may appeals hearing and even at that it had to be a video hearing because it had to be an out of state judge.
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jaiye
old hand

Reged: 10/27/05
Posts: 773
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In my state she can work and still earn $800 a month after she files while she is waiting for approval. I think this is actually federal quidelines.
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rocketgirl
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Reged: 06/24/04
Posts: 6383
Loc: On the beach in 14 years...
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I'm sure the good people of San Fran will vote her back into office.. we cannot seem to vote the bad ones out because most of them have been there for over 40 years...
-------------------- Lisa
Diplomacy - the art of telling someone to go to hell, and them looking forward to the trip.
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Redlegg
Carpal \'Tunnel

Reged: 10/05/06
Posts: 13460
Loc: Capital District, NY
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Does anyone thinnk this is a good idea? This bill, is this the one that will make it better?
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rocketgirl
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Reged: 06/24/04
Posts: 6383
Loc: On the beach in 14 years...
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I think it is horrible! Fix the corruption in what we HAVE, don't reinvent the wheel.
-------------------- Lisa
Diplomacy - the art of telling someone to go to hell, and them looking forward to the trip.
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gr8Dad
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...are the LAWYERS (no tort reform) and those who will benefit from government run insurance. The employer fees and fines in this bill will cost us ANOTHER 5 million jobs. This bill is DEVASTATING, and on more than a healthcare level.
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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Cassie23
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Yes, I should have said AFFORDABLE HEALTH CARE. If she had a child (under 19) or was pregnant she WOULD be able to get affordable healthcare, but because she doesn't-- she does not qualify for that kind of healthcare as you or anyone with kids would.
I do NOT get CS and alimony, that whole how happy are you post...I was being sarcastic since Susan's first posting was about how she would be 100% happy if she had MONEY.
Even with my help with $100/month she still cannot afford health care and isn't able to get private insurance because of her diabetes.
She will continue to work right now, when it comes to the point of being physically unable she will look into disability and then also look into finding low income housing in NY where she can get health care.
She does qualify for low income housing though...but not health insurance.
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KiwiGirl
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Posts: 4422
Loc: Nebraska
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And there is now a little hidden proposal to force insurance companies to cover Cristian Science prayer treatment. Surely you can't 'buy' prayers?
I have to sign up for my insurance this week for 2010. Should I even bother?
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gr8Dad
Carpal \'Tunnel

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...the preacher who preaches feed the poor and clothe the nekkid has to make the nut on his mansion.
-------------------- The paper holds their folded faces to the floor and everyday the paperboy brings more
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Sherron
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"If she had a child (under 19) or was pregnant she WOULD be able to get affordable healthcare, but because she doesn't-- she does not qualify for that kind of healthcare as you or anyone with kids would."
Not sure what healthcare you think I'm on, but it's through my employer. Anyone who works there FT, qualifies for it. I also purchase my kids medical and dental insurance through my employer. They do have state insurance as a secondary.
"I do NOT get CS and alimony, that whole how happy are you post...I was being sarcastic " My bad, in that case, I make more than you get in cs or alimony.
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Redlegg
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I hope it works out, but I don't see her being able to afford to move if she can't afford insurance. Moves are pretty costly I always thought.
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Cassie23
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I just meant if you lost your job, or lost your insurance you would qualify because you have children. I understand you get insurance through your employer as of right now. If she loses her job, she would not have the same option of someone who has children. But it depends on the state too. Where I live you can't get affordable health insurance through the state. In NY you can be a single person and qualify for Family Health Plus. Each state has different programs.
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Cassie23
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I have a friend who works for low income housing, she would qualify for that (probably pay about $200 or so a month). There is a deposit of $500. She would just time it so that she would leave before her next month's rent is due, which is currently over $500. She would use that for the deposit and then only owe what the low income housing would be... That would be around $200'ish. As far as the cost of moving, she would have to have her kids (there are 7 of us) help her out with that. She does not have much stuff at all. She sold most of it when she left my Dad a few years prior and moved to AZ.
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Redlegg
Carpal \'Tunnel

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Loc: Capital District, NY
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Would she lose any deposit by doing that?
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Sherron
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"I just meant if you lost your job, or lost your insurance you would qualify because you have children." If I lost my job, I would be looking for another one, and not checking on how many gov freebies I can cash in on.
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spinnerdegrassi
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If I lost my job I would sponge off my wife like any smart husband would :). Then if she gave me any grief, i'd be " Hey Woman, either pay up now, or pay up with alimony!!!!"
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Cassie23
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Good for you.
If a 61 year old with very little work experience, 5 years total with health issues...wouldn't get picked up by an employer as quick as a 30 or 40 year old would.
I, personally, have never been on government assistance even when I qualified however I was AWARE of the programs out there in CASE I needed it.
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Sherron
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"If a 61 year old with very little work experience, 5 years total with health issues...wouldn't get picked up by an employer as quick as a 30 or 40 year old would."
She's got 5yrs of work experience??
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Cassie23
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Yup- I know... She was with my Dad up until 5 years ago. They married when she was 21, they had seven kids and she was a SAHM. My youngest sibling graduated HS 4 years ago...
Believe me, she should have worked I think well before my sister graduated HS, but she also had an issue socially. She was almost afraid to speak to people. Couldn't call anyone, didn't know how to socialize... Anyway, my Dad and her split almost 5 years ago and that was the first time she had a job. She worked PT at a school district, and now has been working FT for the last 3 years.
After leaving my Dad it was also the first time she ever pumped gas, went to the grocery store by herself, etc. She was apparently very co-dependent. It doesn't help that she is also a little 'off'... :)
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Sherron
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I'm really not trying to be hard on your mom, but would you agree that some of the problems she is having now are because of the choices she made earlier? What we do has consequences.
I can hear ex already... he's working under the table, no taxes, but guess what... nothing gets reported to SS, either... let's pretend for a second that SS will still be around in 25 years (which I believe it will be, but with cut benefits)... ex will be severely pi$$ed because he's not gonna get $hit... he has no other retirement... and I can hear him whine already how "lucky" I was that I had a job that reports wages to SS and that has a mandatory retirement plan... and how it was HIS cs that made it all possible... all I can say is thank GOD we didn't make it to 10 years... close, but not quite... it would make me sick to my stomach for him to draw on my benefits after the way he is screwing his kids and the system every which way he can.
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Redlegg
Carpal \'Tunnel

Reged: 10/05/06
Posts: 13460
Loc: Capital District, NY
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So what do you think about this push towards one government healthcare system?
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Miranda
Carpal \'Tunnel

Reged: 06/02/05
Posts: 16698
Loc: North of Mexico
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That does not change the fact that this 61 year old woman needs medical coverage and cannot get it. Coulda, woulda, shoulda is fruitless at this point. No point in beating shytt about what she should have done over the past 40 years.
-------------------- I may be schizophrenic but at least I have each other.
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Sherron
Carpal \'Tunnel

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"No point in beating shytt about what she should have done over the past 40 years. " Why not? How is this anyone else's problem that she didn't do $hit over the past 40 years, but now it's up to the government to pick up the tab? She made poor choices, now it's "poor me", and where's my hand out.
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JennyLynn
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I tend to agree with you Sherron.
Miranda, while the situation is unfortunate, we all have to face the consequences to our actions.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Sherron
Carpal \'Tunnel

Reged: 11/25/06
Posts: 8521
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Hey, here's a thought... why don't the people who benefitted from having a SAHM all these years help the poor woman out NOW?
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Cassie23
Carpal \'Tunnel

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Oh yes completely. That is what she wanted- stay home with the kids, raise them, have the man work. she left my Dad with nothing sold everything, although he did let her take it. She has been making it almost completely on her own (without help from anyone) for the last three years... FINALLY.
Just sucks in general that there isn't affordable healthcare for those that are older, but not old enough for Medicare. Or even having the chance to pay for private insurance, but with the pre existing condition...she can't. I don't agree with freebies, but too bad there weren't more options that are affordable. Although she is only 3.5 years away from Medicaid.
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Cassie23
Carpal \'Tunnel

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Being the child that benefitted from having a SAHM, I don't know that I can say I did. I was the eldest daughter so a lot of the child rearing went onto my shoulders. Having 6 siblings was no walk in the park for me, WHERE is my HAND OUT???
I don't believe that she is looking for a freebie, necessarily, just would be nice is affordable health care was an option. It is an option for pregnant women, or families with children, why not the elderly?
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Miranda
Carpal \'Tunnel

Reged: 06/02/05
Posts: 16698
Loc: North of Mexico
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[quote]"No point in beating shytt about what she should have done over the past 40 years. " Why not? How is this anyone else's problem that she didn't do $hit over the past 40 years, but now it's up to the government to pick up the tab? She made poor choices, now it's "poor me", and where's my hand out. [/quote]
Who said she is looking for a hand out? THe way I read it, is that she is working and is paying taxes and would like AFFORDABLE health care. Who is talking about freebies?
-------------------- I may be schizophrenic but at least I have each other.
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Miranda
Carpal \'Tunnel

Reged: 06/02/05
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Loc: North of Mexico
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Unfortunately some people have a hard time distinguishing between AFFORDABLE and FREE.
-------------------- I may be schizophrenic but at least I have each other.
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Miranda
Carpal \'Tunnel

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Loc: North of Mexico
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[quote]I tend to agree with you Sherron.
Miranda, while the situation is unfortunate, we all have to face the consequences to our actions. [/quote]
SO if you are a low income wage earner, you should not be able to afford healthcare? I guess I don't understand what you are talking about.
-------------------- I may be schizophrenic but at least I have each other.
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Cassie23
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She has a job right now and pays for healthcare, but is looking for an option if she goes PT or gets laid off/fired due to being unable to physically complete her job now (after a variety of medical issues). I think she would like to look for another job, with healthcare options, but that doesn't include the physical labor. She has been looking, but everything she can do is considered PT.
So...she was looking into any kind of healthcare that is affordable. Whether it be through the state, privately or whatnot. She doesn't qualify through the state or privately. That leaves high risk health ins. which is $700/month. Cobra (if she qualifies) is $500.
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Cassie23
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Thing is someone can get pregnant and be considered lower income, and would qualify for affordable insurance. Like I said RIGHT NOW my mother could move to NYS and get affordable health insurance no problem. It would be $220/month which she could afford, but that option is non existent for those that live in the state unless they have been without ins. for 6-12 months.
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JennyLynn
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No Miranda - that isn't what I mean.
There should be more affordable healthcare - and to be perfectly honest, I've been there - I've been on state healthcare, and I've been one of the "in between" people who could hardly afford more expensive healthcare, but made too much to qualify for state aid.
And I also agree some people are finding it difficult to distinguish between "affordable" and "free". IMO - free healthcare is not a right.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Miranda
Carpal \'Tunnel

Reged: 06/02/05
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Loc: North of Mexico
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No one is saying it is. Some people run off on tangents of "free" or "government hand-outs" when that is not even the issue at hand.
-------------------- I may be schizophrenic but at least I have each other.
Edited by Miranda (11/08/09 07:47 PM)
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Redlegg
Carpal \'Tunnel

Reged: 10/05/06
Posts: 13460
Loc: Capital District, NY
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Affordable health care is like an affordable car. All the wishing in the world will not make the cost of quality healthcare go down. The actions we have to take to bring down the cost will include cutting salaries, limiting research and development, eliminating health insurance companies. We are going to cause people to lose jobs, become overworked and underpaid.
We are a great country, we can certainly do better, but this is not the way. We are going to revamp a system that works for the majority, and we are doing it to satisfy the minority. it does not make sense. Why don't we start with medicaid. expand it either by age or income level or both, police up the fraud waste and abuse, and see where we are. One of the things we can do is as a part of unemployment benefits is to work in health care and a prescription plan.
One of the things we have to realize, as a country is that we are going to be paying for a lot of people to have healthcare, and that is not what America is about. America is about making your own way with the opportunities in front of you. We know now, that it is not possible for everyone to do that all the time. Whether we like it or not we have to decide if we are willing to let people die because they cannot pay. I am talking about the people who will not work, and will not try to improve their own situation. Either we let them die, or we accept the fact that we need to pay for their care. This whole clown circus of a government is doing nothing but breaking this country financially. I don't know if they are doing it to line their pockets, for personal glory, or to stay in power, but they are doing it with a straight face. They will not accept the plan they want to put you under. What a f*88**g joke.
No one, not one person has explained with any clarity how we are going to be able to afford this, pay for it, reduce any kind of debt. Another 24 billion stimulus signed the other day.
The sad thing is that there is a workable solution, but people's ego are so far out in front of their face, they are only seeing their own personal gain, whether it is glory power or money. When they say be careful of what you wish for, this healthcare deal is the poster child.
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Redlegg
Carpal \'Tunnel

Reged: 10/05/06
Posts: 13460
Loc: Capital District, NY
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Cassie brings up an excellent point. The federal government will not allow certain aspects of healthcare commerce across state lines. This has been brought up repeatedly and every time it has been shot down. Right now, cassies mom can afford the insurance offered in another state, she cannot afford it where she is. Once the company where she is had the competition, chances are they would lower their price to compete. Right now the government is making sure they do not have competition. Now the government has another reason to push for single payer healthcare. They create an environment where companies can charge the prices they want to, and zero competition. A nice plan actually. it will surely win support for their single payer journey.
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Sherron
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"I don't believe that she is looking for a freebie, necessarily, just would be nice is affordable health care was an option." Well, I keep hearing about too young for medicare and makes too much for medicaid. And that she doesn't want cobra.
"It is an option for pregnant women, or families with children, why not the elderly? " You keep saying that. I have never been on state health insurance, not when I was pregnant, and not now that I have children.
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Sherron
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"Having 6 siblings was no walk in the park for me, WHERE is my HAND OUT???"
Are you fvcking kidding me? Please say this is a joke?
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Cassie23
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"It is an option for pregnant women, or families with children, why not the elderly? " You keep saying that. I have never been on state health insurance, not when I was pregnant, and not now that I have children. ___________________________________________________________
I was not speaking about YOU, just that it is an option for those without insurance as an affordable possibility.
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Cassie23
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"Having 6 siblings was no walk in the park for me, WHERE is my HAND OUT???"
Are you fvcking kidding me? Please say this is a joke? ___________________________________________________________
Yes, I forgot the ;). I have never taken a hand out personally even though I qualified for one. My siblings mean the world to me, I have helped them all out on many occasions. I am the only family member that has a close relationship with each of my siblings and my parents (my relationship with my Mom can be an issue). We have each helped my parents out on several occasions. My mother does not have a close relationship with many of her children, out of the batch maybe 2 or 3.
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Cassie23
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Red- I think you explain it perfectly, and the possibilities that could exist if the system was just tweaked.
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Sherron
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"I was not speaking about YOU, just that it is an option for those without insurance as an affordable possibility. "
**sigh** whatever... you know if you and your 6 sibs each chipped in $100 a month, you could afford mom's cobra.
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Cassie23
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Doesn't want COBRA? I think I made it clear more than once that if she paid $500 for COBRA she could not afford necessities like shelter and food. Again we are talking about affordable alternatives. $500/month not affordable for someone who makes $1200 and plays over $500 for rent.
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Cassie23
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Okay Sherron, unfortunately my siblings all have children but ONE. My brother almost lost his house, they each have families to care for. 3 of my siblings have taken pay cuts due to the economy, one just divorced. They do NOT have the means to give $100/month. If they did they would, they have on occasion given WHEN they could.
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Cassie23
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I don't know what your friends/family has as far as extra $$$ goes, most people I know can't afford giving away $100 on a monthly basis. That's the way it is especially given the economy at least where I live. some are dipping into their savings now just to take care of monthly bills. It's been very difficult for many people, must be the economy isn't affecting your area. Lucky for you.
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Sherron
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"some are dipping into their savings now just to take care of monthly bills. It's been very difficult for many people, must be the economy isn't affecting your area. Lucky for you. "
Yes, very lucky for me that I've been living at poverty level all along. BAER.
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spinnerdegrassi
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Posts: 4334
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I still think my Logan's Run plan is better than any of these options.
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Cassie23
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Well do you expect others that are just barely able to afford their homes or their rent to give money so that they can lose their homes? Just your matter of fact attitude- you know that your siblings could give $100/month and pay for her Cobra. My siblings, all but ONE, I would say are behind on their own bills. And the one who isn't, has been dipping into the $$ they put aside for their kids college. It is affecting everyone.
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Sherron
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"Well do you expect others that are just barely able to afford their homes or their rent to give money so that they can lose their homes? [...]It is affecting everyone. " I'm confused... you write about how well off you are, the guitar lessons, the shopping, the stuff... now you're barely scraping by?
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Cassie23
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I specified MY siblings... I specified that out of MY siblings ONE is dipping into his savings as the others have all fallen behind. I did not specify my family was just scraping by, I also never mentioned that I was well off. The shopping/the stuff?? Ummmm...I'm not sure what you are talking about. The only extras my kids do right now is guitar lessons that is it. NOTHING else.
ME personally. I could not afford $500/month on a continual basis. My kids have what they need and then some, my H pays over $1100/month in CS. I have dipped into savings, for the last 6 months continually. We are selling stock to put back into our savings. We have also helped out other family members and friends on occasion.
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Buckeye
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Who decides what affordable health insurance is??? What may be affordable to one is way too much for another. Or, they just don't want to afford it.
I'm trying to remember the exact amount, but this new health insurance is going to have a $5,000+ yearly deductble. Plus, if you don't buy it, there will be a $15,000 fine plus 5 year jail time.
Sounds like this is the answer to all our prayers!!!
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Redlegg
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Posts: 13460
Loc: Capital District, NY
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As it is right now, all these decisions are left up to the HHS Secretary. She can set the limits, and the costs. The more I look at it, the more it looks like the mob muscling in. You will buy this product, and that money will be used to pay for everyone else, if you don't buy that product, we are going to take even more money from you to pay for everyone else. If you still don't want to do it, we are going to take you away for a few years. Health care appears to be an offer we can't refuse.
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Cassie23
Carpal \'Tunnel

Reged: 10/07/05
Posts: 8883
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This is true Buckeye...what may be affordable to one, could very well not be affordable to another.
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Redlegg
Carpal \'Tunnel

Reged: 10/05/06
Posts: 13460
Loc: Capital District, NY
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Healthcare will not be affordable for everyone until it is free, and when it is free, it will cost us all too much.
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JennyLynn
Carpal \'Tunnel

Reged: 07/14/05
Posts: 25648
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<<I'm confused... you write about how well off you are, the guitar lessons, the shopping, the stuff... now you're barely scraping by? >>
Sherron, did someone piss in your coffee this morning!? :)
You know I love you - but I think you're way out of line on this one. I have NEVER taken Cassie as someone to brag about shopping, this or that...yada yada. IMO she's very humble and has even offered to help others here when they've needed it.
It seems to me you're almost blaming her and her siblings for the situation her mother is in?
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Sherron
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Reged: 11/25/06
Posts: 8521
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"Sherron, did someone piss in your coffee this morning!? :)" Apparently, you haven't had your first cup yet. This was last night. Not this morning.
"I have NEVER taken Cassie as someone to brag about shopping, this or that...yada yada. IMO she's very humble " **bites tongue**
"It seems to me you're almost blaming her and her siblings for the situation her mother is in? " No, I blame her mother for the situation her mother is in. But the system is blamed and how mom is falling through the cracks. The woman is 61 and has worked 5 years of her life. No, the system was not designed with her in mind. So, my suggestion was that those who benefitted from her not working can pick up the tab, instead of taxpayers. **shrugs**
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JennyLynn
Carpal \'Tunnel

Reged: 07/14/05
Posts: 25648
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Sherron - thing is, I agree with you! I just think you're being a bit harsh on Cassie - it isn't Cassie's situation, it's her mom's. I Just feel like you're jabbing her when it's about her mom - NOT her, not her shopping, not her house, nothing.
-------------------- Parents often talk about the younger generation as if they didn't have anything to do with it.
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Sherron
Carpal \'Tunnel

Reged: 11/25/06
Posts: 8521
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"I just think you're being a bit harsh on Cassie - it isn't Cassie's situation, it's her mom's. I Just feel like you're jabbing her when it's about her mom - NOT her, not her shopping, not her house, nothing. " Well, if her mom was posting here, I'd tell her mom. She was complaining how mom doesn't qualify... you know what, never mind.
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Cassie23
Carpal \'Tunnel

Reged: 10/07/05
Posts: 8883
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Hmmm...yes I respect your opinion on the health care situation and understand your POV. However throwing my kid's guitar lessons and my shopping and stuff out there...kind of rude?
I don't really shop. I buy off the sale racks nine times out of ten. I mentioned my kids guitar lessons once and it is the only extra they have done in the last year. As for 'stuff' I don't know what you are talking about to be honest?
I guess it really doesn't matter in the long run, but I just find it quite...odd.
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Cassie23
Carpal \'Tunnel

Reged: 10/07/05
Posts: 8883
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Actually, I think the shopping and kid's guitar lessons threw me off. I have spoken about the kind of neighborhood I live in. I have actually done as more of a you can live in a nice neighborhood and it is worse as far as mean neighbors that yell at you :(, parents that drink too much and kids with mouths that should be washed out with soap.
Anyway my intention is never to come across as someone who isn't grateful for what they have. I have struggled over the years- as a child growing up and many years during my marriage. I know what it feels like to have $5 to get me through the week.
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