Tag Archives: insurance

Health Care Confusion

8 Oct

I repeatedly voted for ObamaCare or “Affordable” Health Care Act or whatever you call it.  Having no real idea what the law said/meant.  I thought free health care for everyone was an excellent idea.  I was under the impression everyone who had health insurance would get more from it–no co-pays, no discrimination.  All the women groups and gay groups said how awesome it would be.  I thought either government or employers had to cover every person–and (this sounds so silly now) I thought it would be at no charge to individuals (me).  I was thinking of Canada’s Health System.

parade 2

I should have researched:

-Firstly, I had/have no idea about the ins and outs of the law

-I don’t understand insurance jargon such as “deducatable.”  Am I extraordinarily stupid–or does anyone?

-I don’t know where to look to find easy to read, non-politically motivated, actual info–that pertains to my situation.

-I don’t want to have to spend a disproportionate amount of time researching and signing up for insurance–or a lot of money.

Leslie Knope

My Situation:

-I work part-time and no longer qualify for health insurance through my ‘under 50 employees small business’ job.

-I go to school part-time so I do not qualify for a student insurance plan.

-I make too much money (how is this even possible?!) for Medicaid.

-I applied for the Medicaid-rejects, state-run (so called cheaper-option) insurance and it would be $128/mo!  For catastrophic-only.

-The insurance companies in my area offer $100/mo min policies for me.  For just catastophic.

hit by train 1

I guess I am Also “Willfully Uninsured”:

-I have no pre-exsisting conditions

-I have no chronic (or other) health concerns/conditions.

-I never go to the doctor–unless I’m injured AT work real bad, dentist, or glasses (neither EVER covered).

-I have in fact, gone to the emergency room once (at 22 y.o.) and of course couldn’t afford the bill–but I paid it back in full.  By myself.  Slowly.  Because I am a responsible citizen–so I in no way expect society to cover any accident I may have.

egg sx bruise

Questions:

-What is the absolute cheapest insurance I can get?

-Which company offers the max insurance benefits to cheapest rate ratio?

-When I do pay a (high by my standards) monthly insurance fee, and don’t end up having any accident or health concern–where does that money go???

-How much is the tax for NOT having insurance?

-When do they start charging tax for being non-insured?

2012 Spring 084

 

Who Holds the Cards?

23 Jun

In a job–it’s mostly the employer.  Why do you think so many people aspire to be their own boss?  Sure, I could get a job almost anywhere my resume’ (and luck) allowed, but the rules AT the job–completely out of my control.  Employees are completely dependent on the whims of management.  It’s not as if I think work should be a democracy–that’s not it at all.  I think being wholly dependent is a bad place to be in.  I have never liked being up against a wall.

I was upset when my boss yanked away my insurance and changed the number of hours required to be a full-time employee (just for me?) seemingly instantaneously.  And it wasn’t really losing the health insurance–though lack of notice was crappy.  I never really used it anyway:  My wisdom teeth were paid for using Care Credit.  And the one medical thing I use–dentistry–not covered.  At all.  More on THIS in a later post.  So losing something I never used (or wanted) in the first place didn’t matter all that much.  Though maybe I should bite the bullet and hurry to get a new pair of frames since the last time I got glasses was in 2008.  Luckily, I was smart enough to get a huge supply of contacts while living in the (cheaper) Midwest, so I still have plenty of those. . .

Back to the injustice:  It wasn’t really the amount of hours to be considered full-time I had a big problem with. . .  Though I can tell you I will be unhappy if EVERY employee does not have to adhere to the new rules.  If someone doesn’t work the NEW amount of full-time hours, yet still gets any of the perks (vacation) of full-time it will make me irate.  It shouldn’t always just be me getting the short end of every stick around there.

What made me upset was more the realization that the Employee Manual was just an empty symbol.  This new decision, reached on short notice, rendered every piece of information IN the manual meaningless.  This deviation showed my employer would jerk us around at will.  Don’t get me wrong I knew she could, but I thought the Employee Manual offered some guidance/expectation/and security for both sides.  Because somehow employer/employee relationships seem like a war–or at least strategic game.  We are made enemies by forming the management/subordinate relationship at all.

But I spoke my mind.  Though confrontation makes me uncomfortable.  And when I get heated, tears come annoyingly to my eyes making me look like an unstable, overwrought ball-sack (thanks mom) and I HATE that, because it always happens when I feel strongly about something and want to convey it in a clear way.  Which that last run-on sentence was not.  Clear, I mean.  So I got (annoyingly) teary, but held my ground.

And surprisingly my boss not only listened to my concerns, AND reconsidered the timing of the changes, BUT also said she supported me and would listen (and has in the past) to my reasonable concerns.  She went so far as to tell me I wouldn’t get fired.  Which was surprising to me.  And I suspect untrue as EVERYone has their limit of what they are willing to handle (I know I do).  It isn’t like I think my boss would purposely go out of her way to screw me over–but I know she might do it unintentially.  Or because I’m last on her employee-priority list.  If it came to me and someone else–I know she’d chose everyone else’s will over mine–mostly because this has happened before *cough-summer schedule*

So that’s the newest story.  Which makes me all the more excited to accumulate all the education I can, so I can climb higher in employment, make more money, and move out of here.

And though there was no good place in this post to state a disclaimer–>I meant to tell you, my readers, that starting soon, I will post every other day, instead of the every day (save for last Thursday, which I thought I had posted on).  I need to start getting in a school mindset and study anatomy more than I blog.

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