Bozvotros
Bozvotros's JournalWhy is this type of thing the only thing that politicians can do?
Every time I go into a store to buy a six pack of beer or some smokes for my wife, I get carded. At age 61. Because its the law. Because it is a meaningless way to remind people that their politicians are on the job keeping us all safe. Meanwhile heavy toxins, pesticides and herbicides are polluting whole watersheds, half the country is obese, our kids are getting heart disease and diabetes at age 8, our infrastructure is crumbling, there are all these shitty jobs with no benefits,schools are crowded and dangerous, lunatics gun down people with impunity and their response is....... "I know, lets make it harder to get cigarettes".... and "What the hell, lets tax it another buck a pack." The powers that be are also at work trying to stop e-cigarettes because.... well just because. It might be dangerous. There is no proof at all that they are, quite the contrary but by God, we have got to stop this before someone gets hurt. Fuck these assholes. Every goddam one of them.
I am less interested in the out of pocket max than I am about first dollar coverage.
I had an employer drop a very good local HMO plan which had a 10,000 deductible with first dollar coverage for another one which had a 10K deductible before the insurance kicked in. I think this was called a fee for service plan. For every year but one, I paid through the ass and never got a red cent in insurance coverage. This was about 10 years ago. I remember that once I hit that magic number it went from no coverage to full coverage. Whoppee.
My insurance cost was around 280 a month for my wife and I. Our medical bills ran us around 700-800 a month which meant the insurance never had to kick in for us. This was in Indiana when I made about 50K. The new plan was like taking a 15-20% cut in my salary. It was breaking me and I ended up quitting that job and taking one with first dollar coverage. I have also worked as case manager in a hospital and negotiated admissions and rates with insurance companies. There I learned that there were all kinds of crooked, deceptive insurance plans out there which cap or just didn't cover lots of health care needs.
Now I am hearing about this same kind of bullshit with the ACA. I am hoping that when I hear about 12000 out of pocket that it doesn't mean that there is no coverage until you hit your out of pocket.
Profile Information
Name: Daniel BishtonGender: Male
Hometown: Fort Wayne Indiana
Home country: USA (Un-united States of America)
Current location: Home
Member since: 2002
Number of posts: 791
