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08/18/10, 08:26 AM
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Join Date: Dec 2005
Location: SE wisconsin
Posts: 1,266
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Patt,
Quote:
Originally Posted by Patt
Too funny! $97 a month for health insurance at the ripe old age of 65? I would say that is a steal! Ask the average healthy 20 year old if they can get full coverage health insurance for that price......
Your money put in over the years helps to give you very low cost healthcare today. I am 42 and I will never see a penny of what we have put in for the last 20 some years. If I were you I would be counting my blessings rather than complaining.
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$97 dollars is just a small part of what one has to pay. Medicare only pays a very,very,small percentage of Dr and Hospital bills and no medication at all... One need a supplemental insurance and a separate insurance for meds....here is what my husband gets and pays....now this is just him, I am almost as much....
He gets $1100 a month from Soc. Security that he paid into all of his life. He pays $97 of that a month to Medicare....Supplemental is $285 a month, then he has perscriptions from the Veterans Ad. that he pays $8 each for( he has 4 of them).,we also pay for SeniorCare in case he needs a perscription right now that the VA can't process for awhile...$30 a year for that.(and $500 deductible)..this is just to keep half way healthy...then don't forget the life insurance at $200 a month, home owners insurance at $400 a year,Real estate taxes , at $2400 a year, and car insurance at $600 a year.... We don't go anywhere at all, he has alzheimers..Can't afford any help with him, so I do it all by myself..we are not poor enough for Medicaid(almost, but not quite). Haven't even figured all of the extras he needs .We had 401K plans, but they are gone......Hope you understand better now.
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SE Wisconsin
Last edited by lenii; 08/18/10 at 08:28 AM.
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08/18/10, 08:30 AM
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The cream separator guy
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Join Date: Feb 2010
Location: Southern MO
Posts: 3,919
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Quote:
Originally Posted by Pony
But it's not up to the govt to decide that for us. It is absolutely none of the govt's business as to who has saved what and where. SS and all those entitlement programs are nothing more than legalized Ponzi schemes.
I'd lay ya dollars to donuts that, if people hadn't learned to expect the govt to take care of everything, there'd be a lot more responsible people.
And when the govt finally gets its hands out of our pockets, people will learn how to take care of themselves once again. Granted, that's going to be one sharp learning curve for many, but it's about time people stood up and took some personal responsibility.
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I guess we have sort of become a bit gov't dependent...
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I'm an environmentalist, left wing, Ron Paul loving Prius driver with a farm. If you have a problem with that, kindly go take a leap.
Last edited by Heritagefarm; 08/18/10 at 08:45 AM.
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08/18/10, 11:59 AM
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Join Date: Jan 2010
Location: Levittown, Bucks, Pennsylvania
Posts: 576
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Quote:
Originally Posted by mekasmom
So what happens to the older people who simply refuse to buy extra coverage? They get a deduction for Medicare from their SS. If they literally cannot buy extra coverage, and will not or cannot pay the deductibles what happens? Do they just get sued? Creditors cannot garnish SS, so does it even matter? I know some really poor older people, and am curious about how they manage.
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My father worked for the municipality. When SS became universal, he couldn't afford to pay the back money and retired just on his pension. He and Mom were outside of Medicare as they would have to pay all of part A, B and the supplemental [part D wasn't around yet] and they found it cheaper to continue w/ the city's HMO. Just prior to his retirement they were glad to see a law passed requiring the city to provide them w/ this coverage option.
After Dad passed, Mom was forced to continue while receiving 1/2 of his pension and had to sell her home and move in w/ my sister due to the rising property taxes in her area. Her cost of being in the HMO is rising but the coverage is 100%...
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08/18/10, 01:29 PM
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Join Date: Nov 2003
Location: Florida Pan Handle
Posts: 2,130
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Quote:
Originally Posted by lenii
$97 dollars is just a small part of what one has to pay. Medicare only pays a very,very,small percentage of Dr and Hospital bills and no medication at all... One need a supplemental insurance and a separate insurance for meds....here is what my husband gets and pays....now this is just him, I am almost as much....
He gets $1100 a month from Soc. Security that he paid into all of his life. He pays $97 of that a month to Medicare....Supplemental is $285 a month, then he has perscriptions from the Veterans Ad. that he pays $8 each for( he has 4 of them).,we also pay for SeniorCare in case he needs a perscription right now that the VA can't process for awhile...$30 a year for that.(and $500 deductible)..this is just to keep half way healthy...then don't forget the life insurance at $200 a month, home owners insurance at $400 a year,Real estate taxes , at $2400 a year, and car insurance at $600 a year.... We don't go anywhere at all, he has alzheimers..Can't afford any help with him, so I do it all by myself..we are not poor enough for Medicaid(almost, but not quite). Haven't even figured all of the extras he needs .We had 401K plans, but they are gone......Hope you understand better now.
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It does seem to me that you ARE counting your blessings. God bless you for what I think is a very graceful/grateful post. We will be demonized for expecting the government to keep its end of their contract that we were forced into - you see, we are "taking" the money that was "stolen" from us that the gimmes are expecting for themselves - without them having had to pay into.
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08/18/10, 02:12 PM
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Banned
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Join Date: May 2003
Location: Ouachitas, AR
Posts: 6,049
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Quote:
Originally Posted by Gercarson
It does seem to me that you ARE counting your blessings. God bless you for what I think is a very graceful/grateful post. We will be demonized for expecting the government to keep its end of their contract that we were forced into - you see, we are "taking" the money that was "stolen" from us that the gimmes are expecting for themselves - without them having had to pay into.
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I have paid into it for 20 some years and don't expect to see a penny of it. I don't think any of us younger people fit your notions.
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08/18/10, 02:59 PM
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Join Date: Dec 2005
Location: SE wisconsin
Posts: 1,266
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20 years is just the beginning....
when you think, that dH and I paid in for 50 years each. Neither one of us was ever on welfare, disability, or unemployment.We took 401K plans out as soon as they were available, where he worked they weren't available, only profit sharing and they went bankrupt.. We paid off our home while still working and raising 3 children. We never had a handout for anything.
Noone can ever be prepared for retirement, as everything one was planning on being able to pay, has doubled or more...i.e....insurance, food, utilities,cars,R.E. taxes, even television and telephones.
I wish you all good luck. Don't complain about paying S.S, it may be all you have someday.
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SE Wisconsin
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08/18/10, 03:30 PM
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Join Date: Jan 2003
Posts: 19,807
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Quote:
Originally Posted by lenii
I wish you all good luck. Don't complain about paying S.S, it may be all you have someday.
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No, I'm very much afraid we WON'T have it.
The SS system is bankrupt. Congress et al have been tapping into it for other entitlement programs as well as pork barrel payouts.
The money we put into SS today is gone. I've been paying into the system since I was 14 years old. I doubt I will see a penny of it.
I and many, many others would have been far better off to be able to invest our money the way we saw fit. I'd have a nice nest egg at this point, no thanks to the government.
The US economy is a house of cards. The Federal Reserve has sold us down the river with the removal of the gold standard, so between that and the way those elected to represent us in The Sewer Built On A Swamp handle our money, we are up that proverbial Alaskan creek with no specially carved wooden implements to maneuver our canoes.
(I'm not opinionated. I'm just always right...  )
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Je ne suis pas Alice
http://homesteadingfamilies.proboards.com/
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08/18/10, 03:45 PM
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Miniature Horse lover
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Join Date: Dec 2005
Location: West Central WI.
Posts: 21,256
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I guess you did not read my post SS is NOT bankrupted. Bonds were taken out back in the early 80's and Both parties are guilty of telling everybody SS is broke. that is not what i heard on Sat. not at all. there is-plenty of money earning interest and it is just the interest so far that is only being paid out not any of the principle.
So quit listening to party bolder dash about SS being not able to pay. And charts and figures are just party stable floor sweepings, to scare the elderly to voting for a certain party. BOTH parties are in this lie.
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08/18/10, 06:17 PM
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Join Date: Dec 2008
Location: Illinois
Posts: 8,266
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Quote:
Originally Posted by FunnyRiverFarm
Unless you never go to the doctor I bet medicare would seem a lot cheaper if you had to pay ALL costs out of pocket...relatively minor procedures could bankrupt most folks. I am 25 and doubt I will get any of the benefits that older folks complain about now.
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Yes, but.... at age 25 you're able to buy into a commercial insurance policy. After age 65 you're not. I have coverage through my employer (COBRA right now... until I get better or SSD). I couldn't even cover my hubby with my insurance. It would act only as a Medicare Supplement.
Medicare coverage itself can/has bankrupted many families. Government programs are NOT what they're all cracked up to be.
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Moms don't look at things like normal people.
-----DD
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08/18/10, 06:21 PM
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Join Date: Sep 2003
Location: Missouri
Posts: 2,349
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Part D is not mandatory and there is no penalty..... IF..... you have an equal or better drug plan.
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08/18/10, 06:48 PM
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Miniature Horse lover
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Join Date: Dec 2005
Location: West Central WI.
Posts: 21,256
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Quote:
Originally Posted by Joshie
I have coverage through my employer (COBRA right now... until I get better or SSD).
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COBRA ok that is what you are on now, and trying for SSD? SS Disability? Is that what you are going for?
I take it then you are not yet 65?
If that is the case NO you can NOT get Medicare~!
You First have to go on SS and Then Wait for 24 Months before Medicare will be available to you.. If you are not 65 and going on SS Disability. There is a 24 month waiting period.
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08/18/10, 07:25 PM
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Voice of Reason
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Join Date: Sep 2004
Location: Las Vegas, NV
Posts: 33,719
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Quote:
Originally Posted by 65284
Part D is not mandatory and there is no penalty..... IF..... you have an equal or better drug plan.
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Quite frankly, if you order your regular meds from alldaychemist.com a few months at a time (we usually order 3 to 6 months at a time), it's less expensive than Medicare Part D.
The answer to this whole mess is to create an incentive for lean operation and innovative competition. The industry will rise to the occasion. We can do that by offering an inexpensive health care insurance policy that includes medical tourism for non-emergency procedures. Extremely expensive procedures, such as cardiac bypass surgery, hip & knee replacements, and even chemo treatments can be done for a song in India & Thailand (perhaps $7,000 for cardiac bypass).
If you take the $250,000 heart attacks away from domestic medicine they'll find a way to compete somehow. If they don't then they don't deserve to survive anyway. That's capitalism.
Last edited by Nevada; 08/18/10 at 09:59 PM.
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08/18/10, 07:54 PM
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Miniature Horse lover
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Join Date: Dec 2005
Location: West Central WI.
Posts: 21,256
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Quote:
Originally Posted by Nevada
Quite frankly, if you order your regular meds from alldaychemist.com a few months at a time (we usually order 3 to 6 months at a time), it's less expensive than Medicare Part D. .
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That is all fine and dandy when you are not in that bad health. But IF and when you really needs drug coverage How much of a fine does one want to pay when the time does come to get D????
I waited a year and a half and fined now at 18 dollars a month more each and every month from now until I die.
How many want to risk not taking D when you will face a fine When it may just become necessary to get drug coverage as not ALL needed drugs you might be prescribed are available from other countries. Not one drug I was on for my RA are on that list not one.~!
Last edited by arabian knight; 08/18/10 at 07:56 PM.
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08/18/10, 08:04 PM
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Join Date: May 2010
Location: Hudson, MI
Posts: 656
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Quote:
Originally Posted by Joshie
Yes, but.... at age 25 you're able to buy into a commercial insurance policy. After age 65 you're not.
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That's exactly what I was saying. I am okay now but when I am 65 I bet I will be wishing I had half of what folks are getting now. I will probably have to work until I keel over.
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08/18/10, 10:14 PM
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Voice of Reason
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Join Date: Sep 2004
Location: Las Vegas, NV
Posts: 33,719
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Quote:
Originally Posted by arabian knight
That is all fine and dandy when you are not in that bad health. But IF and when you really needs drug coverage How much of a fine does one want to pay when the time does come to get D????
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I don't know about that. The copays are a lot more than we pay overseas, and my friend was turned-down for one of her meds that we get overseas. It's to the point where the only meds we buy in the USA are her pain meds and occasional antibiotics. She takes 7 prescription meds every day, and they're all from India.
I could get along fine without Medicare Part D, but I can't imagine getting along without my overseas pharmacy.
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08/18/10, 10:56 PM
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Join Date: Aug 2010
Location: W Mo
Posts: 9,276
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Quote:
Originally Posted by Nevada
Quite frankly, if you order your regular meds from alldaychemist.com a few months at a time (we usually order 3 to 6 months at a time), it's less expensive than Medicare Part D.
The answer to this whole mess is to create an incentive for lean operation and innovative competition. The industry will rise to the occasion. We can do that by offering an inexpensive health care insurance policy that includes medical tourism for non-emergency procedures. Extremely expensive procedures, such as cardiac bypass surgery, hip & knee replacements, and even chemo treatments can be done for a song in India & Thailand (perhaps $7,000 for cardiac bypass).
If you take the $250,000 heart attacks away from domestic medicine they'll find a way to compete somehow. If they don't then they don't deserve to survive anyway. That's capitalism.
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NO THANKS. I won't dream of going to India or Thailand for medical care.
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08/18/10, 11:29 PM
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Voice of Reason
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Join Date: Sep 2004
Location: Las Vegas, NV
Posts: 33,719
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Quote:
Originally Posted by MO_cows
NO THANKS. I won't dream of going to India or Thailand for medical care.
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They both operate under European medical standards. You might be surprised at the quality of care that you get overseas.
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08/19/10, 09:40 AM
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Banned
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Join Date: May 2003
Location: Ouachitas, AR
Posts: 6,049
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Seems to me the best way to fix this whole healthcare mess is to do like our Grandparents/Great grandparents did and not spend so much time at the Doctor. My Great grandmother didn't take 4-8 medications a day nor did she go to the Doctor every month and she lived to be 70 something.....
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08/19/10, 09:57 AM
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Join Date: May 2002
Posts: 7,692
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Quote:
Originally Posted by Patt
Seems to me the best way to fix this whole healthcare mess is to do like our Grandparents/Great grandparents did and not spend so much time at the Doctor. My Great grandmother didn't take 4-8 medications a day nor did she go to the Doctor every month and she lived to be 70 something.....
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But just think, she could maybe have lived an extra year or two with todays technology. And it would only cost your family an extra million or two. Mere pittance, dont you think.....
Yea, I cant believe how many people here are hooked on drugs from the corporate drug pushers and want to force me to help pay for them.... Yet they are unwilling to give up their bad habits that got them into such a situation in first place. Nobody wants to explore what caused the problem in first place and how to change that. They just want an easy 'happy pill' and go on as long as possible in status quo mode. Course doctors and corporate drug pushers are complicit, since they wouldnt have ongoing contributions to their boat payment fund if they actually solve the problem and nobody has to continue buying their products/services.....
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"What would you do with a brain if you had one?" -Dorothy
"Well, then ignore what I have to say and go with what works for you." -Eliot Coleman
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08/19/10, 11:08 AM
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Join Date: Dec 2007
Location: East TN
Posts: 235
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Quote:
Originally Posted by arabian knight
I guess you did not read my post SS is NOT bankrupted. Bonds were taken out back in the early 80's and Both parties are guilty of telling everybody SS is broke. that is not what i heard on Sat. not at all. there is-plenty of money earning interest and it is just the interest so far that is only being paid out not any of the principle.
So quit listening to party bolder dash about SS being not able to pay. And charts and figures are just party stable floor sweepings, to scare the elderly to voting for a certain party. BOTH parties are in this lie.
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Ever since LBJ the SS surplus has gone into the general fund for congress to buy votes with. The SS administration was given IOU's for this surplus. Even if some or all of the IOU's were in the form of government bonds, so what? In case you haven't noticed the government is 14 TRILLION dollars in debt and borrowing more ever minute. That 14 TRILLION doesn't include unfunded obligations such as SS, medicare, retirement for military and other government employees and many other government promises. Estimates range over 100 TRILLION dollars in unfunded liabilities before Obamacare is added to the mix. The only way to pay this is with more borrowing or printing more paper dollars. The US is bankrupt.
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