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Hypocrisy (Warning--Health Care Thread)--updated
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Linus View Drop Down
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Strike 1 - language 6.29.10

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    Posted: 03 July 2012 at 11:14am
10/10 answered correctly.


Bi-weekly health insurance for me is $14.42 (for a total of $28.84 a month) with my employer paying $444 a month.

If I had a family it'd cost me $240.15 a paycheck ($480.30 a month) with my employer paying $1,142.70.

Edited by Linus - 03 July 2012 at 11:15am

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9/10 guessing most of it
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2/10
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9/10

Turns out I would have gotten 10 if I had read all of the first question.


Edited by evillepaintball - 02 July 2012 at 12:41pm
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I just took a ten question quiz on the health care law. I got 10/10 which is better than 99.6% of people that have taken the quiz.....

Let me know what you guys get: http://healthreform.kff.org/quizzes/health-reform-quiz/

Don't blame me, I voted for Kodos.
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Originally posted by scotchyscotch scotchyscotch wrote:

Just out of interest, How much, (% of earnings wise) do you guys pay for insurance purely for medical? 
Every 2 weeks, I pay $30.28 for health insurance and $3.28 for Dental which covers me and my wife and kids.

In that same pay period, my employer pays $577.63 for health insurance and $62.36 for Dental.
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I pay 31% tax on any given check between my rate and followed by federal income withholding, Social security, state income, medicare, 401k (self funded retirement my company matches .5% up to 6% of my income, I contribute the max match plus 1%) After that it's my health insurance cost of just slightly over $16/week.

I'm sure my insurance falls under the cadillac plan rules and my company is going to pay more taxes because of it.

Don't blame me, I voted for Kodos.
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Originally posted by scotchyscotch scotchyscotch wrote:

Yeah that question was a bit stupid. I was just think that I pay 20% on any wages over around £7500 ($11,776) for all tax so with "free healthcare" I was wondering how it stacked up compared to you guys.
Wow, had a nice little response, but the stupid spam filter gonged it.
 
On my last paycheck, I had about 17% taken out for various taxes. This does not include our local school tax and/or property taxes. This was also a low salary check. On my commission checks, quite a bit more is taken out .
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Yeah that question was a bit stupid. I was just think that I pay 20% on any wages over around £7500 ($11,776) for all tax so with "free healthcare" I was wondering how it stacked up compared to you guys.
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Originally posted by scotchyscotch scotchyscotch wrote:

Just out of interest, How much, (% of earnings wise) do you guys pay for insurance purely for medical? 

0%
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Originally posted by scotchyscotch scotchyscotch wrote:

Just out of interest, How much, (% of earnings wise) do you guys pay for insurance purely for medical? 
Its not a set percentage. In my wifes case it is actually a quite high percentage, but if you take into account my income it becomes more reasonable. I also work partially on commission so my pay fluctuates, and some years quite a bit. On a "normal" year it would probably be 3% or so of our combined income. This is just strictly based on the cost that we spend for the insurance. It doesnt take into account co pays, medications, emergency room visits etc.

Edited by oldpbnoob - 29 June 2012 at 4:44pm
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Just out of interest, How much, (% of earnings wise) do you guys pay for insurance purely for medical? 
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Originally posted by oldpbnoob oldpbnoob wrote:

Originally posted by mbro mbro wrote:

Man, your guys insurance plans are ridiculous. My out of pocket is $853/year for a $500 deductible PPO. Obviously my company picks up most of the tab. If I had a wife and kids it would be around $1,200/year.
11 years ago, before my wife took the job with the school system, we had an insurance policy that had a ridiculous decutible (iirc it was like $2500), did not cover pregnancy and was essentially for major issue like if I had a heart attack. It cost us $250/month.  Now, we pay close to $200/month for our entire family. Unfortunately, this $200/month is must our portion. The district is paying the rest as part of her salary and from my understanding it is a substantial amount, over $1k/month.
 

One thing you need to realize MBro is that you are considerably younger than I am as well. What portion of your insurance is your employer paying? Back in the day, I had an employer paying most of my insurance costs when i was in my 20's. I am surprised it would be that low even with a wife and family because women usually jack up the costs substantially due to the possibility of pregnancies.
They pay pretty much all of it. The company is self insured. All the employees pay the same regardless of age. They give us three different plans to choose from and I have the most expensive one. Your costs only increase when you add dependents to the plan.

Don't blame me, I voted for Kodos.
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Originally posted by mbro mbro wrote:

Man, your guys insurance plans are ridiculous. My out of pocket is $853/year for a $500 deductible PPO. Obviously my company picks up most of the tab. If I had a wife and kids it would be around $1,200/year.
11 years ago, before my wife took the job with the school system, we had an insurance policy that had a ridiculous decutible (iirc it was like $2500), did not cover pregnancy and was essentially for major issue like if I had a heart attack. It cost us $250/month.  Now, we pay close to $200/month for our entire family. Unfortunately, this $200/month is must our portion. The district is paying the rest as part of her salary and from my understanding it is a substantial amount, over $1k/month.
 
One thing you need to realize MBro is that you are considerably younger than I am as well. What portion of your insurance is your employer paying? Back in the day, I had an employer paying most of my insurance costs when i was in my 20's. I am surprised it would be that low even with a wife and family because women usually jack up the costs substantially due to the possibility of pregnancies.
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Man, your guys insurance plans are ridiculous. My out of pocket is $853/year for a $500 deductible PPO. Obviously my company picks up most of the tab. If I had a wife and kids it would be around $1,200/year.

Don't blame me, I voted for Kodos.
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Originally posted by agentwhale007 agentwhale007 wrote:

Do you happen to know how your wife's insurance qualifies "hardship expenditure" as an exclusion of the cross-coverage clause? 'Cause knowing insurance companies it's probably the world's most conservative definition of hardship. 
Not sure. Probably a pretty closely guarded secret. All I know is the last time that I was offered insurance by one of my employers is wasn't cheap. Even with them paying for 1/2 it was going to cost me in the $250-$300 range/month IIRC. The family plan, which I didnt need was like $1500/month. Main issue is that I work in one state and my employer is in another. At the time they could not add me to their existing policy and would have had to create a seperate policy with me on it, thus the outrageous expense. If I am understanding it correctly, since my employer is under 50 employees they will not be forced to offer insurance. Might be a ray of light.
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Originally posted by oldpbnoob oldpbnoob wrote:

 It won't necessarily be a good thing if my employer was forced to offer insurance either.

That may be an issue, but it won't be the public option, I don't think. It has qualifications for opt-in, and by being covered by your wife's plan already I don't believe you qualify for it, and by not qualifying for it, it won't cause a disruption of the cross-coverage clause of your wife's insurance.

Now, your employer offering insurance is a whole other matter, I'd think. Do you happen to know how your wife's insurance qualifies "hardship expenditure" as an exclusion of the cross-coverage clause? 'Cause knowing insurance companies it's probably the world's most conservative definition of hardship. 


Edited by agentwhale007 - 29 June 2012 at 12:33pm
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Here are your changes... course you have to go to new media to find them...


Old media won't cover the "costs" as it doesn't help their campaign. Instead they will interview anyone they can find who thinks ObamaTAX is great!
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Originally posted by agentwhale007 agentwhale007 wrote:

Originally posted by oldpbnoob oldpbnoob wrote:

 they only will allow me on the plan if I either have no insurance under my employer or the insurance offered by my employer is considered an unreasonable burden. 

I'm not sure I understand what you're seeing as the change, then. 
Perhaps I misunderstood the insurance exchange and/or public options.  It won't necessarily be a good thing if my employer was forced to offer insurance either. Not sure if they would qualify or not as they have less than 50 employees. I could be wrong, but I get the distinct feeling that one way or the other my wallet is going to get lightened some more.
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Originally posted by oldpbnoob oldpbnoob wrote:

 they only will allow me on the plan if I either have no insurance under my employer or the insurance offered by my employer is considered an unreasonable burden. 

I'm not sure I understand what you're seeing as the change, then. 
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