Insurance

[Mooseman33]

If any of you guys are not insured please hit me up in private message. Open enrollment is ending soon.

this is my field gentlemen, I do all private carrier and aca. we can keep things confidential for most part but under no circumstances should any adult not have insurance.

[limalex]

If any of you guys are not insured please hit me up in private message. Open enrollment is ending soon.

this is my field gentlemen, I do all private carrier and aca. we can keep things confidential for most part but under no circumstances should any adult not have insurance.

You are my man. I will droop you a massage later today

[< <Samson> >]

Such a thing actually exists? Seriously


I’m milking the states ACCHS under my son turns 18 - after that is what worries me


Not no pos all American plan, with copays everywhere & 5-10k deductible

[teedoff]

You are my man. I will droop you a massage later today

Nobody wants a droopy massage, man!

[Mooseman33]

nobody ever wants insurance until you need it. Then you will not only have 100k plus in medical biils, you will still need treatment. Keep in mind that once diagnosed with certain illness you can no longer be approved for private insurance, you will need work or obamacare insurance as they are only way to get pre- conditions covered.
if you are sole provider for your family and something happens what is the plan? We can roll dice on our own life but never should we risk our families.



copays and deductibles are part of life. everything cannot be free.

[Honkey_Kong]

nobody ever wants insurance until you need it. Then you will not only have 100k plus in medical biils, you will still need treatment. Keep in mind that once diagnosed with certain illness you can no longer be approved for private insurance, you will need work or obamacare insurance as they are only way to get pre- conditions covered.
if you are sole provider for your family and something happens what is the plan? We can roll dice on our own life but never should we risk our families.



copays and deductibles are part of life. everything cannot be free.

You're absolutely right. And no matter how healthy we are, a life-changing event (injury or illness) will eventually happen to everybody. The average "cash" price for a heart attack in California, with ambulance transportation and the patient living is over $28k. That's enough money to bankrupt most people. Plus the lost wages while recovering and chance that you might be unable to continue your line of work can ruin you.

[teedoff]

I'm thankful for my job. We have very good insurance and the company pays about 80% of our premiums weekly.

I also have AD&D as well as hospitalization through our providers along with good vision and dental.

[wango]

I'm thankful for my job. We have very good insurance and the company pays about 80% of our premiums weekly.

I also have AD&D as well as hospitalization through our providers along with good vision and dental.

Congrats.

Besides liking the job & the salary, it’s the insurance that really is the clincher. The wife and I took it a step further and we both carried disability insurance as well. In the decades we had it, we were fortunate in that we actually never used it once, but we’d do it the same way again, despite the costs. We just transitioned effortlessly with Medicare into our health provider.

[< <Samson> >]

If it wasn’t for us milking ACCHS me or the wife would have to have a “good” job - that provides insurance


When I did work for the “man”, I always worked at either corporations or the city - insurance in the US is possibly a bigger scam than taxes - for the poor to middle class people

[teedoff]

If it wasn’t for us milking ACCHS me or the wife would have to have a “good” job - that provides insurance


When I did work for the “man”, I always worked at either corporations or the city - insurance in the US is possibly a bigger scam than taxes - for the poor to middle class people

Agreed its even worse though. The medical.shsten is rigged to take advantage of the insurance game. Ie charging more for services when insurance is picking up the tab. That really is a sore spot for me. Crooked to the core!

[wango]

Like anything in this country there’s the good and the bad; the slightly corrupted, blatantly corrupted & those trying to be honest. Having been in the business for decades, I’ve worked for and seen all, but to make a blanket statement about all insurance companies & all medical providers is incorrect imo.

Plus, I’ve seen equally corrupt & dishonest patients milking & scamming both insurance & health care providers on multiple occasions. It goes both ways.

[Cuz]

If it wasn’t for us milking ACCHS me or the wife would have to have a “good” job - that provides insurance


When I did work for the “man”, I always worked at either corporations or the city - insurance in the US is possibly a bigger scam than taxes - for the poor to middle class people

By the time we pay all our taxes and insurance premiums I think anyone with any sense can see why most working class Americans are fed up with the “system”

[almostgone]

By the time we pay all our taxes and insurance premiums I think anyone with any sense can see why most working class Americans are fed up with the “system”

I've noticed over the decades that whenever annual enrollment comes up at work,, they eventually will change to a "better" plan.

"Better" always seems to be their code for higher premium and lowered benefits .

"Consumer driven health plan" = high deductible, you better take full advantage of your HSA.

[teedoff]

I've noticed over the decades that whenever annual enrollment comes up at work,, they eventually will change to a "better" plan.

"Better" always seems to be their code for higher premium and lowered benefits .

"Consumer driven health plan" = high deductible, you better take full advantage of your HSA.

I've been with my company for 13 years. We've switched providers maybe 4 times. Our premiums usually go up about a dollar or 2 each year. My premiums are still 75 bucks a week. That's insurance dental, vision, ad&d, hospitalization, and life.

[Cuz]

I've noticed over the decades that whenever annual enrollment comes up at work,, they eventually will change to a "better" plan.

"Better" always seems to be their code for higher premium and lowered benefits .

"Consumer driven health plan" = high deductible, you better take full advantage of your HSA.

We have some really good insurance at the plant. The family plan runs me this year at 85 a week next year it goes to 90 and at the end of the contract I believe its 95 or 100. Deductible is just 300 bucks tho. The spouses work , which is healthcare non union rates are astronomical. Several thousands for deductible and double my monthly rate.

[wango]

Unfortunately, the insurance premiums will continue to rise due to the aging of our population (f’n baby-boomers) with life expectancies being arguably higher than they should be. What I mean by that is due to continual improvements in pharmacology & surgeries; things that would have killed us, no longer do, it just prolongs their life. Plus, oldsters used to live with more chronic pain due to ortho issues, now they’ve got multiple therapists and surgical options paid for by their insurance.

These old farts (include me in that category) are a drain to society. Will someone please make euthanasia a legal & viable option (I’m serious)? Make it so that the family/survivors receives some financial benefit that is pennies compared to the dollars spent on keeping them alive for the sake of being alive.

And lastly, please keep funding social security for me & the missus. We are not going to take a penny till we have to, but dammit, we paid for it all of those decades, we sure as shit want some of that back.

[almostgone]

We have some really good insurance at the plant. The family plan runs me this year at 85 a week next year it goes to 90 and at the end of the contract I believe its 95 or 100. Deductible is just 300 bucks tho. The spouses work , which is healthcare non union rates are astronomical. Several thousands for deductible and double my monthly rate.

I guess my premiums aren't too much out of line then.I pay around $300-ish every 2 weeks, but $175 of that is money I put in HSA. That's vision, dental, medical, life insurance @ 6x base pay, and AD&D at about the same as life insurance. Then the company kicks in $1200/ year to the HSA plan.

We always try to keep at least an out of packet amount in that account. On the other hand the deductible is $5k and out of pocket max is $7500.

[Cuz]

I guess my premiums aren't too much out of line then.I pay around $300-ish every 2 weeks, but $175 of that is money I put in HSA. That's vision, dental, medical, life insurance @ 6x base pay, and AD&D at about the same as life insurance. Then the company kicks in $1200/ year to the HSA plan.

We always try to keep at least an out of packet amount in that account. On the other hand the deductible is $5k and out of pocket max is $7500.

I need to that hsa weve done it before but now, i make more money per hour than i have in my life but have the least amount. Its crazy lol . It helped when we had it tho

[Mooseman33]

everyone should have a supplement that covers the max out of pocket in the event of any accident, hospital sickness, and cancer/heart attack, stroke. These supplements are very cheap monthly and cover all the out of pocket.

regardless if you have work, private, or aca coverage they all have max out of pockets.

Best thing they are from Allstate.

[yeahbuddy289]

A family plan through my employer is $300 a week and has a $6000 deductible… it’s unreal. My wife and I make too much for any kind of “government” assistance or health care.

[redz]

I wish I only had to pay for health care instead of 50% income tax. Here in Canada they just take half your income before you pay massive sales tax, carbon tax and pretty much non stop tax on everything over and over again. Worst part is how bad the health care in Canada actually is. I had a totally unnecessary surgery at one point.

[teedoff]

I wish I only had to pay for health care instead of 50% income tax. Here in Canada they just take half your income before you pay massive sales tax, carbon tax and pretty much non stop tax on everything over and over again. Worst part is how bad the health care in Canada actually is. I had a totally unnecessary surgery at one point.

You mean universal health care and insurance isn't the great idea that some ppl tout that it is?

And yeah, we're almost right there with you as far as taxes. Tax our salaries at 30% then tax every product we buy at another 7%. Tax our vehicles we bought and paid tax on with already rated money, then pay tax every year on that same car for as long as we own it.

Time for another Boston tea party.

[Cuz]

You mean universal health care and insurance isn't the great idea that some ppl tout that it is?

And yeah, we're almost right there with you as far as taxes. Tax our salaries at 30% then tax every product we buy at another 7%. Tax our vehicles we bought and paid tax on with already rated money, then pay tax every year on that same car for as long as we own it.

Time for another Boston tea party.

Our sales tax is 9.5% here. Property tax has increased every year since ive bought my second home. Like i said earlier, made more money per hour this yr than ever but have the least in the bank. Those Bidenomics aint workin for me i wish a fellow Biden supporter would let me in on the secret to unlock wealth

[wango]

Our sales tax is 9.5% here. Property tax has increased every year since ive bought my second home. Like i said earlier, made more money per hour this yr than ever but have the least in the bank. Those Bidenomics aint workin for me i wish a fellow Biden supporter would let me in on the secret to unlock wealth

Sure. Diversified investments has worked for us for 40 years. This year has been a good one, and I’m not being a smart ass. Try the taxes in California. At least I ain’t driving much so my gasoline costs for my 12 mpg beast doesn’t ruin me with our gas prices.

Sorry you’re hurting Cuz.

[almostgone]

Our sales tax is 9.5% here. Property tax has increased every year since ive bought my second home. Like i said earlier, made more money per hour this yr than ever but have the least in the bank. Those Bidenomics aint workin for me i wish a fellow Biden supporter would let me in on the secret to unlock wealth

Hang in there, Cuz. We're not rich by any stretch of the imagination, but we've done fairly decent this year by steering clear of most of the international funds, although one ETF, DXJ has been good for us; wish I had put more in it a long time ago.

When I worked for the Japanese/German company, I worked with the Japanese tech guys a good bit. One day, one of the guys I worked with a lot saw me checking fund information, Morningstar reviews, then going back to my 401k plan. He gave me the typical Japanese nod and grunt and decided it was lunchtime. While we were eating lunch, he mentioned DXJ, and I starting investing in it through my 401k.
Not recommending it, just thought I'd mention it.

At least your paying attention to your finances. Some people just ignore it and hope for the best.



I'm not a trading whiz by any means but index funds have been decent.
Now, the whole thing may shoot the crapper tomorrow, but that's the stock market.....damn thing keeps going up and down.








Edit: Wages seem to be lagging inflation, which definitely makes things tougher.

Sure. Diversified investments has worked for us for 40 years. This year has been a good one, and I’m not being a smart ass. Try the taxes in California. At least I ain’t driving much so my gasoline costs for my 12 mpg beast doesn’t ruin me with our gas prices.

Sorry you’re hurting Cuz.

I shifted a lot of our international funds over to targeted date funds since we're getting late in the game age wise and so far, it's been a better year than I thought it was going to be.

[Cuz]

Sure. Diversified investments has worked for us for 40 years. This year has been a good one, and I’m not being a smart ass. Try the taxes in California. At least I ain’t driving much so my gasoline costs for my 12 mpg beast doesn’t ruin me with our gas prices.

Sorry you’re hurting Cuz.

Im not talking about investments im speaking about the working middle class sir. Diversified investments mean absolutely nothing to me. What is your gas prices in Cal ? Its 2.59 here. Which is not bad its the lowest its been since a Biden took the seat but still nowhere near it was, it would need to fall another 79c. Gas doesn’t bother me my commute is only 15 minutes to the plant. What bothers me is interest rates in comparison with gross price. Both are elevated I can’t buy anything bc of that. Autos and homes are out of the question. Insurance rates are higher for me than ever and groceries bills are as well. If it keeps up im going off grid

[wango]

Im not talking about investments im speaking about the working middle class sir. Diversified investments mean absolutely nothing to me. What is your gas prices in Cal ? Its 2.59 here. Which is not bad its the lowest its been since a Biden took the seat but still nowhere near it was, it would need to fall another 79c. Gas doesn’t bother me my commute is only 15 minutes to the plant. What bothers me is interest rates in comparison with gross price. Both are elevated I can’t buy anything bc of that. Autos and homes are out of the question. Insurance rates are higher for me than ever and groceries bills are as well. If it keeps up im going off grid

You asked about unlocking wealth & I responded. I was a school teacher for the last 20 years. I grew up lower-middle class, yeah I get it. But . . . .

I was taught at an early age to save as much of your wages as you could, so for 40 years we pumped roughly 20% into investments. The market has its ups and downs for every President, but regardless you just keep finding it, even if if was a shit year (we lost around 20% last year, as did a lot of folks, but didn’t lose trust) & you will be rewarded in the long run (and things are in fact improving this year). Do you recall the economic disaster with Bush prior to Obama improving it, shit happens & you adapt.

Out here gas is over 6$ per gallon, fuck everything is outrageous , to live in this country ain’t cheap. I’m loving & appreciating Costco more & more. I just bought this big fleece shirt for 10 bucks, it helps because we keep our thermostat way down low to keep our gas bills lower.

[Mooseman33]

insurance fellows..... please keep bidden bullshit out. Thanking everyone in advance.

[Cuz]

You asked about unlocking wealth & I responded. I was a school teacher for the last 20 years. I grew up lower-middle class, yeah I get it. But . . . .

I was taught at an early age to save as much of your wages as you could, so for 40 years we pumped roughly 20% into investments. The market has its ups and downs for every President, but regardless you just keep finding it, even if if was a shit year (we lost around 20% last year, as did a lot of folks, but didn’t lose trust) & you will be rewarded in the long run (and things are in fact improving this year). Do you recall the economic disaster with Bush prior to Obama improving it, shit happens & you adapt.

Out here gas is over 6$ per gallon, fuck everything is outrageous , to live in this country ain’t cheap. I’m loving & appreciating Costco more & more. I just bought this big fleece shirt for 10 bucks, it helps because we keep our thermostat way down low to keep our gas bills lower.

So you put 20% of your wages into stocks? On a school teachers salary? You sir are incredibly amazing i commend you. And Im not being a smart ass Im sincerely asking, and your opinion is, to invest in stocks from income that you make working a regular job, which is what I do. I do not any company or business like most Americans. Will look into that.
But, is the money really there? You mentioned Bush, and a terrible economic time. Under Bush, our national Debt was 3 trillion and minimum wage was 5.15, in my state. As of now to my knowledge minimum wage is somewhere around 7.35 maybe ? Id have to look it up, but the national debt is 33 trillion dollars. Do you see a problem? Capitalism is out of control and I dont see where a middle class will be made possible if things keep going, just rich and poor. Debt is never the answer in my opinion. The us dollar is losing more value every day.
Again, incredible to save 20% of your net income. I cannot fathom that, I guess thats why my bank account is shit lol

[wango]

So you put 20% of your wages into stocks? On a school teachers salary? You sir are incredibly amazing i commend you. And Im not being a smart ass Im sincerely asking, and your opinion is, to invest in stocks from income that you make working a regular job, which is what I do. I do not any company or business like most Americans. Will look into that.
But, is the money really there? You mentioned Bush, and a terrible economic time. Under Bush, our national Debt was 3 trillion and minimum wage was 5.15, in my state. As of now to my knowledge minimum wage is somewhere around 7.35 maybe ? Id have to look it up, but the national debt is 33 trillion dollars. Do you see a problem? Capitalism is out of control and I dont see where a middle class will be made possible if things keep going, just rich and poor. Debt is never the answer in my opinion. The us dollar is losing more value every day.
Again, incredible to save 20% of your net income. I cannot fathom that, I guess thats why my bank account is shit lol

Cuz, same here, not at all trying to be a smart ass or cause trouble. Thank you for understanding, I was just trying to respond to your initial question.

Yes, I still took $ out of my salary and invested it. It got a lot easier after 20-30 years of seeing that the process really works. That said and I will be upfront, because it helps enormously, my wife remained as a physical therapist, (but sacrificed salary to work with a group that has excellent health insurance and healthcare & a great pension). She too always was focused on the future and retirement. We knew that our professions are pretty rough as you get into your 60’s so we had to plan.

To go along with the OP and his comments, we always remained over insured just in case of a disaster that can financially ruin us. Health insurance above all else. I couldn’t agree with his stance any more.

My reference to Bush (see the pic) was that goofy things effecting the economy can happen to any President. I wasn’t trying to pull politics into it. Shit happens, wars break out; shit this new business with the Suez Canal really f’s stuff up.

I just hope that the economy will continue to bounce back because it seems to be moving in a better direction despite the world slipping into chaos.

Thank you for the compliment, but if I didn’t save my wife would kick my ass, so there was added motivation there.

[teedoff]

insurance fellows..... please keep bidden bullshit out. Thanking everyone in advance.

Lol well if you’re posting on an open forum and expect things to stay on topic....well you've been around long enough.

[almostgone]

insurance fellows..... please keep bidden bullshit out. Thanking everyone in advance.

Sorry about that, Moose. I kind of strayed from the topic myself.

[Mooseman33]

Lol well if you’re posting on an open forum and expect things to stay on topic....well you've been around long enough.

its called respect, i would think those that have been around long enough understand that.

[Cuz]

insurance fellows..... please keep bidden bullshit out. Thanking everyone in advance.

Please, forgive me Moose. I can get a little off topic when Im on androgens…

[Mooseman33]

luv you brotha...

[teedoff]

its called respect, i would think those that have been around long enough understand that.

My comment is called sarcasm. Lol.

I've been on various forums for over 20 years. Never seen one thread that was busy, stay on topic. Was just giving you a hard time. Carry on.

[Mooseman33]

My comment is called sarcasm. Lol.

I've been on various forums for over 20 years. Never seen one thread that was busy, stay on topic. Was just giving you a hard time. Carry on.

I have zero care about ur online resume, it means shit to me. I was not trying to be dick to you I was simply asking to keep this on topic. There is no need in explaining urself as it does not matter, not looking for a hard time.

[teedoff]

I have zero care about ur online resume, it means shit to me. I was not trying to be dick to you I was simply asking to keep this on topic. There is no need in explaining urself as it does not matter, not looking for a hard time.

Damn man, lighten up, I was just trying to cut up a little bit.

Sheesh!

[wango]

You mean universal health care and insurance isn't the great idea that some ppl tout that it is?.

I don’t think it’s feasible in this country. We’re too old, overweight and sick with preventable issues. We also are also somewhat greedy in that we all deserve the greatest of coverage and it’s just not feasible. Medicine is a business & we live in a capitalist society; you have to pay for luxuries and regrettably good medical care falls in that category and will continue to get worse. Get your insurance.