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I just completed a dummy app - no questions whatsoever on church membership, etc.
I tried completing a dummy app, but it wants my phone number. I am reluctant to give out this number since I dislike calls from those I don't know. Can i give a dummy number too?
I tried completing a dummy app, but it wants my phone number. I am reluctant to give out this number since I dislike calls from those I don't know. Can i give a dummy number too?
Try it. I don't think they're verifying phone numbers. That said, I don't worry about phone number b/c I never answer numbers I don't recognize - for sure, wouldn't worry about giving Liberty my number. I never actually "signed" or submitted the app, but did receive one email from Liberty acknowledging I had started the app, providing a link to follow if I wanted to complete the app. Unless there are other more detailed queries on one's religious status after app is submitted, for now it doesn't appear to me Liberty really cares. This is probably not true for some of the other healthcare ministries, however.
Yes it is, AND, it's the perfect example of how political beliefs and meddling can distort facts. Have you ever heard politicians courting a certain political base ever refer to Medicare as "Socialized" or do they themselves give the illusion (if not outright statements) that it's premium based? How many of those old folks getting medicare understand it's "socialized" healthcare? God forbid you tell them they are getting "socialize" health care, they will pee right through their bladder control briefs. Nope, health care in the US is so politicized that there is no way we will ever see any rational solution.
You are wrong about people on Medicare being against socialized medicine. Most seniors I know (and I am one too) are FOR it. I think it boils down to politics, not age. We may be against Medicare for All because it wouldn't be fair--we paid all our working lives into Medicare so how would it be fair to us to give it away to everyone when we had to work for it? And how could it work anyway if they gave it away for free? Who will pay for it? There are never any good answers.
I do think it will take a long time for us to ever get socialized medicine in this country. Certain religious sects will have to fade away and somehow we have to get the dirty politicians out of the game. People have to start being honest about it instead of lying and calling people "communists" if they want socialized medicine. All it will be is that everyone pays in, just like they did with Medicare. Maybe it would be like the ACA only revamped so that it works for everyone.
You are wrong about people on Medicare being against socialized medicine. Most seniors I know (and I am one too) are FOR it. I think it boils down to politics, not age. We may be against Medicare for All because it wouldn't be fair--we paid all our working lives into Medicare so how would it be fair to us to give it away to everyone when we had to work for it? And how could it work anyway if they gave it away for free? Who will pay for it?
You've answered those questions, here:
Quote:
Originally Posted by in_newengland
All it will be is that everyone pays in, just like they did with Medicare.
Essentially, an increase in payroll taxes with a more than concomitant DECREASE in health insurance deductibles and premiums. Think $21k for a family plan these days - PLUS - a $4-$10k deductible? Do we really think payroll taxes will increase by that amount? Canadians are paying in total less percentagewise in taxes, which includes health care and pensions, than Americans are for taxes, health insurance, deductibles, copays and balance billing. Americans are getting ripped off.
There will need to be limits on who gets what. Herculean, horrendously expensive life-saving therapies won't be available to everyone. Those who want extra bells and whistles can buy supplemental plans.
Unfortunately, right now, many avoid doctors for even the most basic care - which only serves to increase costs as more serious expensive illnesses develop.
Providers need to be reined in, as well. Many non-profits now bury their "profits" in huge buildings, salaries, etc. Much of that is not necessary.
And, the govt may need to become "big daddy." When my sister worked, her employer - a large hospital system and healthcare provider - charged a higher health insurance premium for those considered overweight and an even higher premium for those considered obese. If people insist on a self-destructive lifestyle, they are penalized - either via cost or in limits on services. Sounds awful, but there it is.
We are all in this together and have a responsibility to those in our lives and to society not to be a burden to the extent we can control our circumstances.
At one time in this country, there was nothing we couldn't do if we put our minds to it. There IS an equitable middle ground. Both sides, however, need to WANT to find it.
Last edited by Ariadne22; 12-28-2019 at 08:36 PM..
Try it. I don't think they're verifying phone numbers. That said, I don't worry about phone number b/c I never answer numbers I don't recognize - for sure, wouldn't worry about giving Liberty my number. I never actually "signed" or submitted the app, but did receive one email from Liberty acknowledging I had started the app, providing a link to follow if I wanted to complete the app. Unless there are other more detailed queries on one's religious status after app is submitted, for now it doesn't appear to me Liberty really cares. This is probably not true for some of the other healthcare ministries, however.
They called me one time to tell me my application had been accepted. My phone is set to ring only for contacts so that call went to voice mail. Not sure why they felt that was necessary unless it was a test to see if my phone number was real.
I did not receive any queries on religious status.
It sounds like Liberty HealthShare is a good option for the OP's family.
Many people in the USA view the word Socialism much like Communism, with a very negative connotation as an evil entity.
Remove the labels and just call it healthcare.
We have government run healthcare already; Medicare, Medicaid and Tricare, which covers over 2/3 of the population.
I have personally asked about a dozen retiree's on Medicare how they liked their current healthcare and only one had complaints. My dad complains about his phone bill, his cable bill, his electric bill but not his Medicare bill.
From the Census Bureau:
• In 2017, private health insurance coverage continued to be more prevalent than government coverage, at 67.2 percent and 37.7 percent, respectively.
Link: https://www.census.gov/library/publi...o/p60-264.html
I agree that the profit making motive must be eliminated from healthcare. The US cannot continue with the current healthcare system because of the huge cost when looked at as a percent of GDP. Our healthcare costs are on average double (per capita) the amount spent by other countries.
I firmly believe that if my (and everyones) high monthly premiums and high deductible were eliminated by converting them to an income tax of a certain percent, guessing like 5%, I could have decent Medicare type healthcare.
I believe there can be a better way for healthcare in the USA since every non third world country on the globe has a reasonable healthcare system. My primary care doc and my neurosurgeon agree but say the medical lobbies will fight it desperately and prevent any such changes.
Canadians are paying in total less percentagewise in taxes, which includes health care and pensions, than Americans are for taxes, health insurance, deductibles, copays and balance billing. Americans are getting ripped off.
There will need to be limits on who gets what.
Providers need to be reined in, as well.
The only way a "Medicare for all" type program would work is to have EVERYONE in it. No more employer-subsidized plans. But I guess that's really not the topic of this thread.
Can't the OP's son deduct his premiums on his income tax? That's a substantial amount.
There are small group plans for companies of 2-50 people. Depending on how your business is structured, you may or may not qualify. Through the marketplace there is the shop exchange or you can go directly to the insurer. If you have just one other non-family employee, you'll be fine. I don't know how they view spousal employees
There are small group plans for companies of 2-50 people. Depending on how your business is structured, you may or may not qualify. Through the marketplace there is the shop exchange or you can go directly to the insurer. If you have just one other non-family employee, you'll be fine. I don't know how they view spousal employees
Thanks, they should look into this. They have employees but they are all part-time college students. They sell lots of stuff students like — candles, tee shirts, posters, hookas, (no they don’t and never have carried E-cigs), crystals, jewelry, glass art, framed art, etc. Kind of like a shop you’d see on the Las Vegas strip. But its very edgy stuff. At home, they have a rock studio where they create many of the polished rocks sold in the store. They have been in this business 11 years and their store supports them up to now and has allowed them to always be present raising their child. They love interacting with the college kids and all their shop owner neighbors are like family. Next door (not theirs) is a tatoo shop, so you get the environment. And I wonder if it will pass the Christian Healhshare standards.....
There are small group plans for companies of 2-50 people. Depending on how your business is structured, you may or may not qualify.
I know that in my state, self-employed people (including family employees) do not qualify for group plans, unfortunately. We paid for an individual policy for 2 decades.
One may use a health insurance broker at no cost to the client (brokers are paid by insurance companies); the broker will tell a client when it is more beneficial to use the state exchange for coverage.
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