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Why is your insurance so high? My private health insurance is only $102 per month and my deductible is $1k. Have you tried getting some online quotes? Sounds like your insurance agent is ripping you off.
I'm on a portability plan, as I have a pre-existing condition. There is a list of questions they will ask you and, unfortunately, I say yes to one of them. So...I am high risk (in their eyes) and can't get insured in the private sector. This is truly why we need socialized medicine. My "condition" barely costs anyone money, but it's there, nonetheless. There are about 7 things that will make one uninsurable - among them are things like cancer, diabetes and I forget the rest. Bottom line - we do need socialized medicine and I've believed this for 25 years.
Why is your insurance so high? My private health insurance is only $102 per month and my deductible is $1k. Have you tried getting some online quotes? Sounds like your insurance agent is ripping you off.
Please tell us more about your $102 insurance. I'm going to guess that you bought it recently at a low-ball rate, and that your premiums will rise to maybe $400 or $500 within a few years. It will also not include any pre-existing conditions, which will be almost everything, and/or it will pay only according to a schedule for each procedure, which in many cases will be less than a quarter of your actuall bill. I hope I am wrong, but I'd like to see the fine print.
I have seen policies liike this in action. The worst part is, after a few years when your premiums have doubled or tripled, you can't drop it and go elsewhere, because then you start all over again with new excluded pre-existings.
Insurance agents are ripping you off, in any case, whether you find them on line or in the yellow pages That's what they are there for---to get your money. Multiple choice question: The reason insurance agents exist is
(_) so that everybody can have the blessings of affordable insurance
(_) to make as much money as they possibley can.
My house is paid for. I owe no debt. My TV is eight years old and a dinosaur. I shop at Goodwill. I do not own a DVD. My car is six years old. I bring my lunch.
Tonight, on the eve of this disasterous bailout, I think I'll buy myself a modern Tv - and even a DVD. What do I care? All my hard work and trying to get ahead is for naught. Why should I be a saver, when I live in a country of drunken sailors spending money right and left? I am old now, relatively speaking, and was brought up with conservative values. Ironic that the "conservative party" has turned to socialism which, honestly, in its pure form, I would have no issue with. And I am a liberal. I pay $462 a month for health insurance with a $10K deductible. I am not on welfare, although my line of work does cater to the less advantaged. I have to look out for my own interests, after all. I cannot afford to lose what I have. But what I am saying is too "nuanced" for you pseudo conservatives, IOW, I'm intelligent and knew better than to ever support Bush or deregulation or any of this other crap. And I supported Ron Paul.
I am so g-danged pissed off at what passes for conservatism these days. Aye, aye, aye. I REALLY take issue with all you faux "conservatists" who support this administration. You don't even know the true meaning of conservatism and yet caring for America at the same time.
You are right that Bush and McCain are not true conservatives. They are more left than I would look. But Obama is way out left and there is no way I can vote for him. I will vote for McCain because I feel he's the best choice of the choices I have, but I'd prefer someone more conservative.
If Obama is elected then I really do worry about socialism. I run a small business and the taxes already make me wonder if it's worth it or whether I should throw in the towel. If I work less, that's less tax revenue. But I'm thinking of doing exactly that because I am tired of working my tail off and the government taking half of it. If Obama is elected I expect my taxes to be higher and what the heck, I might as well see if there's a social program that I can benefit from instead of working harder and keeping less of my profits.
I know how you feel. Sometimes I wonder what the point of following the rules is when no one else around seems to want to. And this goes beyond financial responsibilities/rules.
Why do I pay all my bills, all my taxes, etc. on time and in full? Why am I the only one putting my shopping cart away while the rest are floating around the parking lot? Why am I picking up other people's trash from the street while others are tossing stuff out of their cars? Why am I being extra polite and honest to everyone I meet everyday while other people run around doing everything in only their own best interests? Why do I always find a designated driver while others drive drunk or high? Why do I work my butt off every second I'm on the job while I actually see my coworkers take nap breaks? I, too, feel like I'm doing this all alone and I wonder what the point is.
Don't give up. People like you are the only thing holding our society together. If you give up it say's all those people who's trash you picked up or carts you took back were right and I refuse to believe that.
Why is your insurance so high? My private health insurance is only $102 per month and my deductible is $1k. Have you tried getting some online quotes? Sounds like your insurance agent is ripping you off.
It also depends with age.
My Mom is in her early 60s and pays about the same for the same type of deductible. It used to be round $200 for each parent but after my dad got sick (and subsequnetly died) the insurance company kept raising the rates.
I don't really have the answer for the "why" but he's not the only one paying that much for crappy insurance. I think they call it "catastrophic" insurance or something like that, hence, the high deductible.
You are right that Bush and McCain are not true conservatives. They are more left than I would look. But Obama is way out left and there is no way I can vote for him. I will vote for McCain because I feel he's the best choice of the choices I have, but I'd prefer someone more conservative.
If Obama is elected then I really do worry about socialism. I run a small business and the taxes already make me wonder if it's worth it or whether I should throw in the towel. If I work less, that's less tax revenue. But I'm thinking of doing exactly that because I am tired of working my tail off and the government taking half of it. If Obama is elected I expect my taxes to be higher and what the heck, I might as well see if there's a social program that I can benefit from instead of working harder and keeping less of my profits.
If you are sick of both parties..take a look at libertarian. I am going to read more about the party and it's promises.
My Mom is in her early 60s and pays about the same for the same type of deductible. It used to be round $200 for each parent but after my dad got sick (and subsequnetly died) the insurance company kept raising the rates.
I don't really have the answer for the "why" but he's not the only one paying that much for crappy insurance. I think they call it "catastrophic" insurance or something like that, hence, the high deductible.
Yes, that is what they call it, and it does serve a purpose. Thank God we at least have that.
Yes, that is what they call it, and it does serve a purpose. Thank God we at least have that.
I hear ya. When my dad was sick, we had to pay the $10,000 deductible for about 3 years straight. Ridiculous but as business owners and the biz didn't make a whole lot of money, that's all they could afford.
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