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What Does Everyone Do For Health Insurance?

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theabortionator
Posts: 51263 - Karma: 157,452
My mom worked for the state and was on her health insurance. It got extended and was able to stay on till I turn 26. I'm 3 months away from that and wondering what I should dabble in.

Also curious with my luck if anyone would want to insure me. At the same time I only go to the doctor if Im dead or at risk of being dead so not that often.

I don't really make enough to afford health insurance or at least at some of the prices I've heard from people. At the same time I don't want to be back without any insurance like I was for a few years, especially at this point in my life and pretty much living in the terrain park.

What's everyone doing? If you pay for health insurance how much are you paying? What kind of coverage do you have?
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Dec 1 2014 4:45PM
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.Hugo.
Posts: 17360 - Karma: 28,469
seanahue.I take back what I said about being below the poverty line, the line itself is roughly 12k per year, and my reported income was slightly above that. My actual income was probably 3-4x that, but it was all in cash tips so the IRS doesn't know shit about it.


reported to the irs. hope your butthole is ready for prison
Dec 2 2014 1:27AM
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seanahue.
Posts: 2142 - Karma: 3,368
Also, since your parents' coverage for you runs out in 3 months, you will need to enroll in a new plan sometime before Feb. 15. That is the cut-off date for 'open enrollment,' so if you miss that date, unless you're gonna go with Medicaid (no open enrollment period), you'll likely be without insurance until the next open enrollment period starts (Nov. 15, 2015).

Fucking ridiculous the way that works IMO... if you have money for insurance, you should be able to pay for it whenever you goddamn please. I don't get it at all. At least insurance providers aren't raping us quite as badly as before... Obamacare was a step in the right direction at least, but it's far from perfect.

Real-life is such a bitch.
Dec 2 2014 1:35AM
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Barefootin_Fiend
Posts: 7618 - Karma: 4,727
theabortionatorNo way. I haven't even come close to making it above the poverty line. Mt life for the win.

Someday


seriously? what the fuck do you do with your time that prevents you from pulling in 12k in a year?
Dec 2 2014 1:37AM
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seanahue.
Posts: 2142 - Karma: 3,368
.Hugo.reported to the irs. hope your butthole is ready for prison


eat my shorts
Dec 2 2014 1:37AM
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theabortionator
Posts: 51263 - Karma: 157,452
Barefootin_Fiendseriously? what the fuck do you do with your time that prevents you from pulling in 12k in a year?


Park crew 4 lyfe yo
Dec 2 2014 2:14AM
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jellomellow
Posts: 961 - Karma: 3,562
The referenced post has been removed.


fuck yeah free health care mother fuckers!
Dec 2 2014 2:17AM
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Laurent.
Posts: 10054 - Karma: 25,277
Over here it's required by law to have health insurance, but no one can be excluded and there's a fixed low price for a basic package that includes everything except extravagancies.

It's nice.
Dec 2 2014 2:47AM
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El_Barto.
Posts: 11630 - Karma: 24,465
I dont have insurance and havent for almost a full year now.

My school doesnt have a group plan and im almost 27

#yolo
Dec 2 2014 3:08AM
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cobra_commander
Posts: 16909 - Karma: 4,682
Tricare/VA, working on something else to supplement/replace it. .gov healthcare sucks balls. Unfortunately the ACA pretty much boned me out of good options.
Dec 2 2014 3:09AM
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louie.mirags
Posts: 6015 - Karma: 5,028
PeppermillRenoI don't need to consume myself in 40 hours a week of wage slavery to put a roof over my head or whatnot. So why do I get punished without access to health care like employees?


Remember if you are only earning 11 bucks an hour and they are taking shit out for your health insurance and all that your take home is not a liveable amount of money for an adult and you aren't too different to a black person pre 1870 in the south are you?


If I was making 11 bucks an hour you would sound like a genius. Instead, you sound like a dummy
Dec 2 2014 8:18AM
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Barefootin_Fiend
Posts: 7618 - Karma: 4,727
theabortionatorPark crew 4 lyfe yo


what about the other 6-8 months of the year?
Dec 2 2014 9:45AM
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Blurst
Posts: 13577 - Karma: 10,168
PeppermillRenoHey, some people can write a 5 page paper in 30 minutes and some take 3 hours.

I don't need to consume myself in 40 hours a week of wage slavery to put a roof over my head or whatnot. So why do I get punished without access to health care like employees?


Remember if you are only earning 11 bucks an hour and they are taking shit out for your health insurance and all that your take home is not a liveable amount of money for an adult and you aren't too different to a black person pre 1870 in the south are you?


People should be protesting Ferguson style over stuff like this.


I dont really understand why people are downvoting this.


A country as "prosperous" as the United states should absolutely offer universal health care. Its a fucking human rights abuse that they dont, and the fact that half of the country was completely up in arms at Obama trying to implement something that would help people just a little bit is absolutely disgusting.
Dec 2 2014 9:56AM
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iH8pow
Posts: 1727 - Karma: 7,211
I get it through work. Like 300/month ish, but I don't really pay attention. My brother is gonna get rich as fuck if I die and he'll probably get addicted to crack or smack if I die and piss it all away, but at least I tried
Dec 2 2014 9:59AM
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louie.mirags
Posts: 6015 - Karma: 5,028
BlurstA country as "prosperous" as the United states should absolutely offer universal health care. Its a fucking human rights abuse that they dont, and the fact that half of the country was completely up in arms at Obama trying to implement something that would help people just a little bit is absolutely disgusting.


Because it didn't do that at all. It just made insurance worse for people who had it..

Also, his comment got downvoted because he doesn't want to work a normal job but expects insurance. No thanks... I am all for national healthcare rather than spending trillions on war, however not wanting to do your part and expecting a return is crazy talk
Dec 2 2014 10:15AM
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CaptainObvious.
Posts: 5711 - Karma: 20,627
louie.miragsAlso, his comment got downvoted because he doesn't want to work a normal job but expects insurance. No thanks... I am all for national healthcare rather than spending trillions on war, however not wanting to do your part and expecting a return is crazy talk


Not to mention he's fucking scum....so there's that.
Dec 2 2014 10:51AM
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louie.mirags
Posts: 6015 - Karma: 5,028
BlurstI dont really understand why people are downvoting this.


A country as "prosperous" as the United states should absolutely offer universal health care. Its a fucking human rights abuse that they dont, and the fact that half of the country was completely up in arms at Obama trying to implement something that would help people just a little bit is absolutely disgusting.


another major flaw in the Obamacare is that people who were working around 30 hours a week got cut to be below 30 so that the job didn't have to pay for their benefits. I know one lady who worked at the college I went to who had two part time positions at the school totaling 40 hours and they paid her benefits. New healthcare thru obamacare and the school cuts her hours to 29 and no longer offers her benefits. What is not to trash?
Dec 2 2014 10:57AM
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GayWolf420
Posts: 36688 - Karma: 110,633
louie.miragsanother major flaw in the Obamacare is that people who were working around 30 hours a week got cut to be below 30 so that the job didn't have to pay for their benefits. I know one lady who worked at the college I went to who had two part time positions at the school totaling 40 hours and they paid her benefits. New healthcare thru obamacare and the school cuts her hours to 29 and no longer offers her benefits. What is not to trash?


the idea of cheaper healthcare for all is awesome on paper, but yeah, like you said, it really isn't what its all cracked out to be. its doing more harm than good, when you think about it.
Dec 2 2014 10:59AM
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yelsel
Posts: 12967 - Karma: 3,451
I get it through work and only pay a pretax amount of $50 per paycheck. However, I have to pay $1750 out of pocket before anything is fully covered.
Dec 2 2014 11:10AM
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Blurst
Posts: 13577 - Karma: 10,168
louie.miragsBecause it didn't do that at all. It just made insurance worse for people who had it..


How exactly did it make things worse for people who already had insurance? Was it only specifically those who already had insurance through an employer who is now trying to screw them to save money?

Also do you think that it really did benefit the very poor population who did not even have the chance at getting insurance before the ACA?
Dec 2 2014 12:11PM
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theabortionator
Posts: 51263 - Karma: 157,452
Barefootin_Fiendwhat about the other 6-8 months of the year?


More park crew. And before that traveling and seeing music.

BlurstI dont really understand why people are downvoting this.


A country as "prosperous" as the United states should absolutely offer universal health care. Its a fucking human rights abuse that they dont, and the fact that half of the country was completely up in arms at Obama trying to implement something that would help people just a little bit is absolutely disgusting.


Oh do shut up already
Dec 2 2014 12:24PM
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danncphedran
Posts: 1622 - Karma: 1,002
Bogezcanada


yep.
Dec 2 2014 1:19PM
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dmski
Posts: 328 - Karma: 360
I've got health insurance through my work. $80/month and I'm pretty much covered and have dental, vision yadayadayada. For those that don't have insurance though, man you guys are ballsy. Not saying you can't be careful and not injure yourself, but the odds are in 10 years you probably will do something, and the price of health insurance over 10 years is negligable compared to a trip to the ER in an ambulance for a big injury. A buddy got in a cycling accident right after he dropped health insurance, and he ended up having to sell everything and almost lost his house. Thats the world we live in.
Dec 2 2014 1:28PM
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Blurst
Posts: 13577 - Karma: 10,168
theabortionatorOh do shut up already


You know that I used to fuck men like you in prison, right?
Dec 2 2014 1:35PM
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louie.mirags
Posts: 6015 - Karma: 5,028
BlurstHow exactly did it make things worse for people who already had insurance? Was it only specifically those who already had insurance through an employer who is now trying to screw them to save money?

Also do you think that it really did benefit the very poor population who did not even have the chance at getting insurance before the ACA?


I explained already your first question. And no I do not think it benefited more than it hurt
Dec 2 2014 1:39PM
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El_Barto.
Posts: 11630 - Karma: 24,465
dmskiI've got health insurance through my work. $80/month and I'm pretty much covered and have dental, vision yadayadayada. For those that don't have insurance though, man you guys are ballsy. Not saying you can't be careful and not injure yourself, but the odds are in 10 years you probably will do something, and the price of health insurance over 10 years is negligable compared to a trip to the ER in an ambulance for a big injury. A buddy got in a cycling accident right after he dropped health insurance, and he ended up having to sell everything and almost lost his house. Thats the world we live in.


I think about it quite a bit. What would i do if i got hurt? I only have to make it another 10 months before i can afford insurance and i pretty much quit skiing because the risk is just too high.
Dec 2 2014 1:50PM
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louie.mirags
Posts: 6015 - Karma: 5,028
El_Barto.I think about it quite a bit. What would i do if i got hurt? I only have to make it another 10 months before i can afford insurance and i pretty much quit skiing because the risk is just too high.


Quit skiing? this is a skiing website. The risk is worth it. Just take it easy and stay out of the park...
Dec 2 2014 2:10PM
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El_Barto.
Posts: 11630 - Karma: 24,465
louie.miragsQuit skiing? this is a skiing website. The risk is worth it. Just take it easy and stay out of the park...


I havent skied park in years. Its a combination of no time and no insurance that keeps me off the mountain. I got 1 day last year. Im hoping for maybe 5 this year.

Im not taking the risk because im already taking a risk by not having insurance.
Dec 2 2014 2:17PM
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Spiri7o
Posts: 2163 - Karma: 1,100
Move to B.C. and reek that Universal Healthcare!
Dec 2 2014 2:26PM
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Blurst
Posts: 13577 - Karma: 10,168
El_Barto.I havent skied park in years. Its a combination of no time and no insurance that keeps me off the mountain. I got 1 day last year. Im hoping for maybe 5 this year.

Im not taking the risk because im already taking a risk by not having insurance.


What a sad sad world.....
Dec 2 2014 2:30PM
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theabortionator
Posts: 51263 - Karma: 157,452
Idk. To me it isn't a hobby. I can't just push skiing aside and say "I don't have health insurance I'm just not going to do that anymore".

I was advised to quit skiing/snowboarding years ago. Fuck that. That's my rock. It's like one of those friendships where you're both doing your own thing but when you come together you just connect. You understand each other and the other person is always there for you whether it's been a few days or a long time since you've seen each other.

I understand the doctors point of view, I understand that it could be considered stupid to go out and shred hard without insurance, but personally that time with my friend is priceless. It's worth anything to keep it going. I'd rather destroy my body, possibly die "young" than be old and think of that epic friendship I bailed out on. I used to golf when I was younger, it was fun, but skiing is definitely better. Also making the most of the prime of my life > saving myself for some long and drawn out existence.

Idk. I'm just mumbling about nothing but I don't understand how you could just quit skiing. To each their own but I'd rather live all out for 10 years in my prime than live a full yet empty life. Nobody lives for ever. Might as well live it up while you're here.
Dec 2 2014 2:41PM
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louie.mirags
Posts: 6015 - Karma: 5,028
El_Barto.I think about it quite a bit. What would i do if i got hurt? I only have to make it another 10 months before i can afford insurance and i pretty much quit skiing because the risk is just too high.


I'd rather take the risk but that is just me. Skiing > money

Dec 2 2014 2:43PM
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El_Barto.
Posts: 11630 - Karma: 24,465
louie.miragsI'd rather take the risk but that is just me. Skiing > money



I know how I ski and i take chances. I ski tight trees hard and jump off anything and everything. A serious injury, im talking like hundreds of thousands of dollars would ruin my entire life. Blown knee or something wouldt be a big deal because i will make enough to pay back 30k no problem. I wont be able to pay back 300k without my life being severly compromised.

Its just not worth it
Dec 2 2014 2:57PM
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Casey
Posts: 7785 - Karma: 23,466
theabortionatorIdk. To me it isn't a hobby. I can't just push skiing aside and say "I don't have health insurance I'm just not going to do that anymore".

I was advised to quit skiing/snowboarding years ago. Fuck that. That's my rock. It's like one of those friendships where you're both doing your own thing but when you come together you just connect. You understand each other and the other person is always there for you whether it's been a few days or a long time since you've seen each other.

I understand the doctors point of view, I understand that it could be considered stupid to go out and shred hard without insurance, but personally that time with my friend is priceless. It's worth anything to keep it going. I'd rather destroy my body, possibly die "young" than be old and think of that epic friendship I bailed out on. I used to golf when I was younger, it was fun, but skiing is definitely better. Also making the most of the prime of my life > saving myself for some long and drawn out existence.

Idk. I'm just mumbling about nothing but I don't understand how you could just quit skiing. To each their own but I'd rather live all out for 10 years in my prime than live a full yet empty life. Nobody lives for ever. Might as well live it up while you're here.


Except that regardless of whether you have insurance ski patrol is going to treat you, put you in the ambulance, and send you to the hospital. Meanwhile you rack up a bunch of debt you can't pay which ultimately gets pushed onto those who can.
Dec 2 2014 2:59PM
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Casey
Posts: 7785 - Karma: 23,466
CaseyExcept that regardless of whether you have insurance ski patrol is going to treat you, put you in the ambulance, and send you to the hospital. Meanwhile you rack up a bunch of debt you can't pay which ultimately gets pushed onto those who can.


And by you I mean the guy you were talking about, not you, specifically.
Dec 2 2014 3:03PM
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NotGhood
Posts: 2809 - Karma: 1,255
Step 1: be Canadian
Step 2: profit?
Dec 2 2014 3:03PM
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theabortionator
Posts: 51263 - Karma: 157,452
CaseyExcept that regardless of whether you have insurance ski patrol is going to treat you, put you in the ambulance, and send you to the hospital. Meanwhile you rack up a bunch of debt you can't pay which ultimately gets pushed onto those who can.


First how is that different than "free" health care.

Second not really. I got hurt at a mountain a few years ago. Workers comp covered it but I had back up insurance anyway. The guy who was doing my claim fucked a bunch of stuff up and then just resigned. My shit go sent out for collection and I had assholes calling me trying to get money for a couple years. They definitely didn't just say "Oh you haven't paid this off yet? We'll just leave you alone and get it from other people with more money".

And if you're going to argue that it's irresponsible to ski without insurance I'm interested in that. People smoke, eat shitty foods, drive dangerously, and do all kinds of other stupid shit.
Dec 2 2014 3:08PM
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Casey
Posts: 7785 - Karma: 23,466
theabortionatorFirst how is that different than "free" health care.

Second not really. I got hurt at a mountain a few years ago. Workers comp covered it but I had back up insurance anyway. The guy who was doing my claim fucked a bunch of stuff up and then just resigned. My shit go sent out for collection and I had assholes calling me trying to get money for a couple years. They definitely didn't just say "Oh you haven't paid this off yet? We'll just leave you alone and get it from other people with more money".

And if you're going to argue that it's irresponsible to ski without insurance I'm interested in that. People smoke, eat shitty foods, drive dangerously, and do all kinds of other stupid shit.


workers comp is for work related injuries, so skiing for work would be skiing with insurance. I'm sorry your claim got messed up?
Dec 2 2014 3:23PM
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louie.mirags
Posts: 6015 - Karma: 5,028
CaseyExcept that regardless of whether you have insurance ski patrol is going to treat you, put you in the ambulance, and send you to the hospital. Meanwhile you rack up a bunch of debt you can't pay which ultimately gets pushed onto those who can.


you can deny an ambulance ride.. unless you're knocked out. But, then you need it more than money
Dec 2 2014 3:28PM
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theabortionator
Posts: 51263 - Karma: 157,452
Caseyworkers comp is for work related injuries, so skiing for work would be skiing with insurance. I'm sorry your claim got messed up?


Jesus, miss the point much? Shit was out for collection THE SAME WAY IT WOULD HAVE BEEN IF I HAD NO INSURANCE.

Thinking maybe if I put it in caps it would be easier to read. They most certainly didn't say "Oh you don't have money so we'll just let it slide".
Dec 2 2014 3:33PM
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Lé.Skiing
Posts: 10035 - Karma: 8,122
J.D.Canada


This.
Dec 2 2014 3:39PM
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Casey
Posts: 7785 - Karma: 23,466
theabortionatorJesus, miss the point much? Shit was out for collection THE SAME WAY IT WOULD HAVE BEEN IF I HAD NO INSURANCE.

Thinking maybe if I put it in caps it would be easier to read. They most certainly didn't say "Oh you don't have money so we'll just let it slide".


well if you didn't pay for long enough, because you couldn't, like if it was tens of thousands or whatever, you'd eventually go into bankruptcy, and bankruptcy due to medical bills is the leading cause of bankruptcy in the US. That's okay though because all that forgiven debt is recouped by the hospitals through higher costs of their services which means insurance companies pay more and inevitably pass that cost along in the form of higher premiums.
Dec 2 2014 4:12PM
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DockEllis
Posts: 1131 - Karma: 1,745
BlurstHow exactly did it make things worse for people who already had insurance? Was it only specifically those who already had insurance through an employer who is now trying to screw them to save money?

Also do you think that it really did benefit the very poor population who did not even have the chance at getting insurance before the ACA?


It hurt the poor that couldn't have insurance because before if they didn't want it, they could choose not to buy it. Now they have to buy it, and if they don't, their tax return will get penalized to pay for it. So they'll have less money.

As I believe Casey somewhat said, before the ACA, people who didn't have health care could still go to the emergency room and get treated. Even for things like common colds. They would get billed, never pay it, and the cost would passed along to everyone else.

Just like it is now. People w/out insurance still go to the ER, get treated, and don't pay their bills. They just have their tax returns held now, to pay the penalty for not having insurance in the first place.

And it made it worse for people who already had insurance because under ACA, everyone had to all be covered for the same thing. For instance after the ACA was implemented, my fiance' at the time had to be covered for shit like children's dentistry, even though she isn't a child nor did she have one. All these extra coverages raised her monthly premium from around 80 dollars to around 200 a month.

We now have healthcare provided through my work, and it kicks ass.
Dec 2 2014 4:50PM
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GayWolf420
Posts: 36688 - Karma: 110,633
NotGhoodStep 1: be Canadian
Step 2: profit?


Step 3: wait in line for hours for basic healthcare needs.
Dec 2 2014 5:34PM
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kenevil
Posts: 1309 - Karma: 31
DeebieSkeebiesStep 3: wait in line for hours for basic healthcare needs.


It's definitely not that bad.
Dec 2 2014 5:49PM
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PacificRimJob
Posts: 24704 - Karma: 29,687
I have Aetna via Obamacare, and I have a co-pay of 15 bucks with appointment. Pays in full any required transportation/overnight stays and pays in full any procedure up to 15 grand. I also have basic dental coverage thanks to California (so my cleanings cost me about 40 bucks each or something - so like 80 a year). I pay about 1300 per year for this, which is probably more than they pay in Canada via their taxes, but America also is more expensive in general in comparison to Canada so that makes some sense...

Either way, I am perfectly satisfied with this plan and cost based on what I make per year. Others might not be as excited about their situations, but I can't really complain about my own.
Dec 2 2014 5:59PM
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PeppermillReno
Posts: 4750 - Karma: -556
louie.miragsIf I was making 11 bucks an hour you would sound like a genius. Instead, you sound like a dummy


Not directed at you dude I was talking about myself hypothetically saying 11 an hour since thats all anyone can make without a job hunt or qualifications or what not.
Dec 2 2014 5:59PM
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PeppermillReno
Posts: 4750 - Karma: -556
BlurstI dont really understand why people are downvoting this.


A country as "prosperous" as the United states should absolutely offer universal health care. Its a fucking human rights abuse that they dont, and the fact that half of the country was completely up in arms at Obama trying to implement something that would help people just a little bit is absolutely disgusting.



Yup. Even on a skiing website where most on here would aspire to go off and ski for 3 months of a time COLLEGE EDUCATED MIDDLE CLASS PEOPLE would rather have an enormous fucking army to defend them from an invasion by Canada than have universal healthcare.

Again we are talking about smart educated people and these are their values.
Dec 2 2014 6:01PM
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PeppermillReno
Posts: 4750 - Karma: -556
BlurstI dont really understand why people are downvoting this.


A country as "prosperous" as the United states should absolutely offer universal health care. Its a fucking human rights abuse that they dont, and the fact that half of the country was completely up in arms at Obama trying to implement something that would help people just a little bit is absolutely disgusting.



Yup. Even on a skiing website where most on here would aspire to go off and ski for 3 months of a time COLLEGE EDUCATED MIDDLE CLASS PEOPLE would rather have an enormous fucking army to defend them from an invasion by Canada than have universal healthcare.

Again we are talking about smart educated people and these are their values.
Dec 2 2014 6:01PM
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SkiBum.
Posts: 3597 - Karma: 3,895
Work.

I did have an awesome plan with previous company. New one is almost as good. Still really good. I probably take it for granted. I don't use it even to what I should...
Dec 2 2014 6:03PM
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PeppermillReno
Posts: 4750 - Karma: -556
CaptainObvious.Not to mention he's fucking scum....so there's that.



This poster is a total weirdo hes wished death on me in the past and said stuff like this. Why am I scum again?
Dec 2 2014 6:06PM
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