Register to leave a comment, or log in if you already have an account
I agree wholeheartedly MM. When McCain was touting the healthcare credit with that goofy “this makes all the sense in the world grin” I almost flew through the TV screen knowing just how ridiculously laughable it was.
Me personally, I would never get a high tiered plan unless I already treating a serious condition and was unwilling to switch physicians. I would go bare bones HMO b/c most HMO’s have such huge networks of doctors you can always find someone pretty decent (decent enough at least). Then if and when a serious condition arises that you require a specific specialist for you upgrade your coverage (though another insurance carrier since you can’t upgrade with your current carrier until the open enrollment period which is only month a year (usually the anniversary date of your plan). Example, major cancer for which you really need to go through Mem. Sloan Kettering for well, they ONLY take BCBS in-network so you buy one of their plans which are SUPER expensive. But, even if the coverage costs you a fortune it’d be nothing compared to the cost of the treatments out of pocket. Also, by having the low cost crappy HMO you avoid the “preexisting conditions” clause with the new carrier because you’ve had continuous coverage.
There are definitely ways to play it but you really need to know the ins and outs of plan restrictions vs. your personal care requirements.
As someone who has their own business and pays for health insurance; I probably could have gotten a couple of new legs for what we’ve paid in monthly costs over the years.
Besides the regular check-ups and some blood tests and x-rays; in the past 10 years I’ve only used the insurance once when I cut my hand washing a glass.
Health Insurance is a scam I tell you.
Help us Obama!
MM: NY state has a low cost health program for people that have income; but the level of income is very low in order to qualify. I forget what the program is called. I’m sure you can just google NY State health program. I’ll try to find it.
there are lots of people these days who are just getting married in name only just to get on their friends health insurance plan. a lil shady yes, but it’s still an option. it’s like the old green card thingie. except now it’s for health insurance.
Just gave the health plans a quick go-over. Remember when Bush wanted to give everyone, what was it? $2500 a year tax credit to go out and buy your own health plan? That wouldn’t cover more than 4 months of better coverage on the Oxford plan for me as a single person with no children. About 2 months, if you had a family. Who are they kidding? I know very few freelancers who could easily afford almost $900 a month for health insurance, and that’s just for oneself.
Whenever I go to breakfast / brunch and I know I’m going to order pancakes, I bring my own maple syrup or honey.
Hey, I’m picky.
I learned (the hard way) to put the bottle in a plastic bag before putting it in my purse.
Townhouse Lady, thanks, I’m going to check that out as soon as I write this. I’ve looked at Freelancer’s Union, but was not impressed, and their better insurance plans were not cheap.
I remember both the 34th Street Woolworth’s and the Fulton Street branch. I used to buy patterns there too. Speaking of which, there are few places around anymore that sell patterns. I remember when Macy’s 34th St, and Gimbels both had extensive fabric departments, as did Bloomies. In Bklyn, Bridge St between Fulton and Willoughby was fabric/sewing heaven. All gone. I don’t know where you can get patterns in Bklyn now. I still know a few places in Manhattan, but they are disappearing fast.
I grew up in maple syrup land, upstate. A sure sign of spring was seeing the galvanized pails nailed to the maple trees, which were tapped to allow the sap to run into the covered pails. End of Feb, beginning of March, if I remember correctly. Yum. There is no comparison to commercial corn syrups and real maple syrup.
I agree wholeheartedly MM. When McCain was touting the healthcare credit with that goofy “this makes all the sense in the world grin” I almost flew through the TV screen knowing just how ridiculously laughable it was.
Me personally, I would never get a high tiered plan unless I already treating a serious condition and was unwilling to switch physicians. I would go bare bones HMO b/c most HMO’s have such huge networks of doctors you can always find someone pretty decent (decent enough at least). Then if and when a serious condition arises that you require a specific specialist for you upgrade your coverage (though another insurance carrier since you can’t upgrade with your current carrier until the open enrollment period which is only month a year (usually the anniversary date of your plan). Example, major cancer for which you really need to go through Mem. Sloan Kettering for well, they ONLY take BCBS in-network so you buy one of their plans which are SUPER expensive. But, even if the coverage costs you a fortune it’d be nothing compared to the cost of the treatments out of pocket. Also, by having the low cost crappy HMO you avoid the “preexisting conditions” clause with the new carrier because you’ve had continuous coverage.
There are definitely ways to play it but you really need to know the ins and outs of plan restrictions vs. your personal care requirements.
MM, or you can just get pregnant and suck off the system.
As someone who has their own business and pays for health insurance; I probably could have gotten a couple of new legs for what we’ve paid in monthly costs over the years.
Besides the regular check-ups and some blood tests and x-rays; in the past 10 years I’ve only used the insurance once when I cut my hand washing a glass.
Health Insurance is a scam I tell you.
Help us Obama!
MM: NY state has a low cost health program for people that have income; but the level of income is very low in order to qualify. I forget what the program is called. I’m sure you can just google NY State health program. I’ll try to find it.
there are lots of people these days who are just getting married in name only just to get on their friends health insurance plan. a lil shady yes, but it’s still an option. it’s like the old green card thingie. except now it’s for health insurance.
*r*
Just gave the health plans a quick go-over. Remember when Bush wanted to give everyone, what was it? $2500 a year tax credit to go out and buy your own health plan? That wouldn’t cover more than 4 months of better coverage on the Oxford plan for me as a single person with no children. About 2 months, if you had a family. Who are they kidding? I know very few freelancers who could easily afford almost $900 a month for health insurance, and that’s just for oneself.
So depressed.
Whenever I go to breakfast / brunch and I know I’m going to order pancakes, I bring my own maple syrup or honey.
Hey, I’m picky.
I learned (the hard way) to put the bottle in a plastic bag before putting it in my purse.
Townhouse Lady, thanks, I’m going to check that out as soon as I write this. I’ve looked at Freelancer’s Union, but was not impressed, and their better insurance plans were not cheap.
I remember both the 34th Street Woolworth’s and the Fulton Street branch. I used to buy patterns there too. Speaking of which, there are few places around anymore that sell patterns. I remember when Macy’s 34th St, and Gimbels both had extensive fabric departments, as did Bloomies. In Bklyn, Bridge St between Fulton and Willoughby was fabric/sewing heaven. All gone. I don’t know where you can get patterns in Bklyn now. I still know a few places in Manhattan, but they are disappearing fast.
I grew up in maple syrup land, upstate. A sure sign of spring was seeing the galvanized pails nailed to the maple trees, which were tapped to allow the sap to run into the covered pails. End of Feb, beginning of March, if I remember correctly. Yum. There is no comparison to commercial corn syrups and real maple syrup.
I like gladiator movies. But I like Westerns more. Anybody know who Johnny Crawford was???
‘honey on the teddy?’
Or
A Teddy on the Honey