Should Food Stamp Recipients have to work? - Page 10
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Thread: Should Food Stamp Recipients have to work?

  1. #91
    Posting Addict GloriaInTX's Avatar
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    Quote Originally Posted by kris_w View Post
    Completely agree. Not having insurance of some kind is downright foolish. "it won't happen to me" often comes back to bite people in the arse.

    Gloria, didn't one of your sons have cancer and require an amputation? How would your family have financed that without any sort of insurance?
    That's why I said catastrophic insurance policies are good. That kind of policy for a young single person wouldn't be very expensive because the odds are in their favor. The kind of policies these kids are having to buy now under Obamacare are outrageous because they can't choose to opt out of some of the coverage they don't need, they are forced to buy a policy with all the expensive options in it.
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  2. #92
    Community Host wlillie's Avatar
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    Let the people decide for themself though. Let them decide if it's worth it or not.

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    Community Host Sapphire Sunsets's Avatar
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    Quote Originally Posted by Jessica80 View Post
    How is not having insurance or help paying insurance better than no insurance? Do you know how much a 1 week hospital stay can cost. I can assure you much more than 800.00/month.

    Really??

    I'm not a moron. Trust me, i know this crap. My DH has been in and out of the hospital so many times in the last 4 yrs i've lost count. He spent 11 days in Cardiac ICU after having a triple bypass. Wanna guess how much that cost? Almost $200,000 . We were lucky because we were paying the $800.00 a month insurance and they covered everything except $350.00 .

    My point is: Alot of people now-a-days ARE living paycheck to paycheck. That extra money that goes towards insurance would be MUCH better spent on housing, food, etc.
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    Quote Originally Posted by Sapphire Sunsets View Post
    Really??

    I'm not a moron. Trust me, i know this crap. My DH has been in and out of the hospital so many times in the last 4 yrs i've lost count. He spent 11 days in Cardiac ICU after having a triple bypass. Wanna guess how much that cost? Almost $200,000 . We were lucky because we were paying the $800.00 a month insurance and they covered everything except $350.00 .

    My point is: Alot of people now-a-days ARE living paycheck to paycheck. That extra money that goes towards insurance would be MUCH better spent on housing, food, etc.
    If their finances are that tight then they get qualifications for medicaid or a waiver to not get the penalty. What is the issue here?

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    Quote Originally Posted by GloriaInTX View Post
    That's why I said catastrophic insurance policies are good. That kind of policy for a young single person wouldn't be very expensive because the odds are in their favor. The kind of policies these kids are having to buy now under Obamacare are outrageous because they can't choose to opt out of some of the coverage they don't need, they are forced to buy a policy with all the expensive options in it.
    They exist but in the form of high deductible plans. Low premiums that offer preventive care and you pay a deductible that is capped if you do have an unforeseen circumstance. They absolutely can purchase one of those and have it be government backed.

  6. #96
    Community Host wlillie's Avatar
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    Quote Originally Posted by Jessica80 View Post
    If their finances are that tight then they get qualifications for medicaid or a waiver to not get the penalty. What is the issue here?
    Some people don't like handouts. I think it's INSANE that we make them choose between paying the penalty or asking other people to pay for their insurance.

  7. #97
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    Quote Originally Posted by wlillie View Post
    Let the people decide for themself though. Let them decide if it's worth it or not.
    Allowing that hurts us all. If they do not purchase insurance and then rack up a 100,000 stay they either don't pay the charges and your private insurance has to pool funds to the hospital to help pay for that so the hospital doesn't go under or the person goes bankrupt and loses house, credit etc. It is much more beneficial for all of us to purchase medical/health insurance.
    boilermaker likes this.

  8. #98
    Posting Addict GloriaInTX's Avatar
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    Quote Originally Posted by Jessica80 View Post
    If their finances are that tight then they get qualifications for medicaid or a waiver to not get the penalty. What is the issue here?
    Just because you are living paycheck to paycheck doesn't mean you qualify for medicaid or a waiver.
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    Quote Originally Posted by wlillie View Post
    Some people don't like handouts. I think it's INSANE that we make them choose between paying the penalty or asking other people to pay for their insurance.
    It's not a handout...the waiver if they make too much money is there for people who have tight expenses but can't afford insurance and our Medicaid system was set up differently to account for people to have access to it. It is not free care across the board in Mass. anymore.

  10. #100
    Posting Addict GloriaInTX's Avatar
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    Quote Originally Posted by Jessica80 View Post
    They exist but in the form of high deductible plans. Low premiums that offer preventive care and you pay a deductible that is capped if you do have an unforeseen circumstance. They absolutely can purchase one of those and have it be government backed.
    No they can't buy those policies anymore. That is why all the college kids are either losing coverage from plans offered through colleges or the premiums are going up so much they can't afford them.

    Bethany College in Lindsborg, Kan., this past year offered a 12-month plan that cost students $445, while capping payouts at $10,000. For the 2012-13 academic year, the Obama administration said the payout cap must be at least $100,000. Bethany said students would have had to pay more than $2,000 to get that new level of coverage.

    "We decided not to offer coverage for our students next year given the proposed increase in premium," said Bob Schmoll, Bethany's vice president for finance.

    Mr. Schmoll said his school wished it could have kept the limited-coverage plan, which he said was a "fairly robust program for the type of need that most students of that age have." Even the old premium was "for many a struggle to pay," he said. Students previously had to sign up for the school's plan if they didn't have other insurance. Now students won't be required to have health coverage.

    The new rules are likely to affect a broad swath of American colleges, particularly small ones. Some 60% of schools' plans had coverage of $50,000 or less for specific conditions, and almost all of the rest had some sort of payout caps that they will have to do away with by 2014, the GAO study found.
    Big Changes in College Health Plans - WSJ.com
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