#26 unemployed and uninsured
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angelicwolf98 · 4 months ago
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bitchesgetriches · 2 years ago
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Hey bitches! I got laid off and lost my health insurance. I have medical and dental needs and I don’t know when my next job would be. Do you have any advice for health insurance when you’re unemployed?
Check with your former employer to see if you can keep your health insurance for a couple months through COBRA. They'll know what that means. It'll buy you some time.
Then, go to https://www.healthcare.gov/ to sign up for single-payer health insurance through the Affordable Care Act. There are instructions on the website. If you're under 26, you might be able to get on your parents' health insurance, and if you're married you might be able to get on your spouse's insurance. Going uninsured is a really bad decision unless you truly have no other options.
It should NOT be hard to stay insured when you're unemployed, but welcome to America baybeee. I think this might help too:
Dafuq Is Unemployment Insurance and How Do I Apply for It? 
Dafuq Is Insurance and Why Do You Even Need It?
How to Pay Hospital Bills When You’re Flat Broke 
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sonicenvy · 4 months ago
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I had another conversation with someone who didn't have health insurance today about ACA that she didn't know existed as an option. Ever since I got my first ACA plan last year after turning 26 I have been a big ACA fan because this piece of landmark legislation is the reason I have health insurance instead of being in thousands of dollars of medical debt. It bugs the ever living shit out of me whenever I see internet leftists saying things like "the ACA didn't do anything because it is not medicare for all." It really speaks to me about the privilege that these people likely have because they're not noticing the amount of monumental positive change and harm reduction that was made by the bill.
The ACA is a bill that is comprehensive, and walks, talks, and chews gum at the same time, and I think a lot of people who are either a.) too young to remember how health insurance in this country worked before the ACA or b.) have not had to get government subsidized health insurance because they have always had either their parents' insurance or employer insurance really and truly don't get it. I am obviously too young to remember how healthcare worked before the ACA because I am under 30, but I do have a mom who works in healthcare and lots of older relatives that talk about it a lot so I was pretty familiar with the concept despite this.
I am low-income, in school, and have an employer that doesn't offer me employer subsidized plans, so the ACA quickly became pretty important to me as a person with lifelong disability, higher than normal cancer predisposition and a need for lifelong psychiatric care.
Also, if you are in your 20s but under 26 and still on your parents' health insurance? Bam! You are directly benefiting from the ACA. Before the ACA you would not have been able to be on your parents insurance plan in your 20s.
Some things that the ACA did:
Made it affordable for people who are above the medicaid income limit and/or self-employed to independently purchase health insurance. Before the ACA premiums for independently purchased health plans could be $500+ for individual plans! If you were one of the many Americans who worked multiple part-time jobs that did not provide PT employees with insurance, you were basically fucked and uninsured. If you were a small business or self-employed, you were also fucked. The creation of the healthcare dot gov health insurance marketplace, which is open to anyone was a massive success of the bill, and millions of Americans benefit from it. During open enrollment (or after a specific life event such as "turned 26," or "became unemployed") a person can log on to health care dot gov, see a wide range of plans, and purchase one. The government then provides you with a premium subsidy (which is what your employer does for you if you have an employer plan) to lower the cost of the premium. Subsidies are calculated based on a person's income so people with lower incomes get higher subsidies.
Obviously there is some nuance, and a coverage gap with ACA plans for individuals who make above $60,000 (and are not a small business obtaining a group contract with an insurance company) where premiums are still very expensive because they are ineligible for the majority of the premium tax subsidy, which is a major ACA weakness, but for everyone in the $30,000-$55,000 gap and for owners of small businesses that want to offer plans for their employees, the benefits are huge. I am able to get a PPO with a low deductible, low OOP for less than $200/mo in premiums! There is exactly zero way that I would have been able to do that if I were trying to get insured pre-ACA.
Made it so that insurance companies could not discriminate against patients with so-called pre-existing conditions — so basically if you are disabled, the insurance company can no longer: a.) decline to provide you coverage or b.) increase your premiums/ reduce your plan benefits because you have a disability or get something like, oh, idk, FUCKING CANCER. Like there were people who got cancer and found out that their insurer dropped them because they did not want to pay out for expensive cancer treatment. That was a thing that was legal for health insurance companies to do before the ACA, and they fucking did that. The pre-existing conditions clause was one of the biggest benefits that has been touted since the beginning of the bill's conception and passage. Under the ACA, all health insurance companies are banned from denying plan applications for any reason, or from revoking plan coverage for any reason that isn't "patient stopped paying their premium." Made it so that children could stay on their parents' health insurance plans until they were 26 instead of being booted at 18. Made it so that all plans must provide some level of coverage for a list of specific EHBs (Essential Health Benefits) such as "emergency room care," "prenatal and pregnancy related care," "preventative care such as doctor recommended cancer screenings for patients" "office visits with general practitioners," etc.
If you have an marketplace plan or medicare/medicaid, that plan MUST provide you with contraceptives at no cost to you regardless of whether or not you have met your deductible. Democrats also wanted this to be true for all other plans, but unfortunately in 2014, whacko religious conservatives got themselves an exemption for "companies with fervently held religious beliefs against contraception" from providing this coverage in their employer subsidized plans in the bullshit case of Burwell v. Hobby Lobby Stores, Inc., which was decided by a conservative majority vote in the Supreme Court. A case which had other broad and shitty implications btw, and which is yet another example of why allowing weird conservatives to get elected to the presidency is bad for America. btw, in the original intention of the ACA they wanted to also include mandatory coverage for abortion services. Unfortunately, the Republicans (and a group of stupid pro-life dems who suck, and to my knowledge are not in congress now) torpedoed this provision despite Nancy Pelosi's best efforts and refused to pass the bill at all as long as this provision remained in it. Reason #10000000 Republicans suck.
Lots more that I'm not naming here, but I hope you get the idea. My point is that even though ACA was not a medicare for all bill, it was a landmark (and very needed) piece of healthcare reform legislation that changed a lot about the landscape of health insurance in America. Tragically, right wing and far left smearing of it has obscured the truth about the many good things that the bill did do. Was it perfect? Absolutely the fuck not! Even Obama himself admits this. What it was was a major victory against injustices in the system, and a massive piece of harm reduction legislation, and I wish that more Americans credited it for the things it did do.
Dems managed to get the bill passed with the vast majority of their highest priorities still in it despite major republic ratfuckery combined with a minority of independents and dems who sucked. Pelosi walked circles around these fuckers day and night to get this bill passed, and I for one am deeply grateful. Because of the ACA I can get the healthcare that I desperately need as a disabled person with higher than normal cancer risk. I can get my desperately needed medications and see all of my doctors because of this piece of legislation. I was able to get surgery to remove CANCER from my body becuase of this legislation, so yeah, fuck everyone going "the ACA is bad because it's not perfect medicare for all." Girl (gender neutral), I (and many other people) would not be surviving if it were not for this bill, and I for one, think that that is a whole heck of a lot better than all of us dying because y'all want to wait for perfect legislation. Harm reduction is good and is an important step on the road to bigger and better change. Universal health care has risen to more popular and broad public opinion/knowledge because the ACA passed.
Yeah, anyways this is rant about how fucking stupid anti-ACA people are. To deny the gains of meaningful healthcare reform is a clear sign of privilege, ignorance, and tunnel vision that lets perfect be the enemy of good or better.
This is also a post about a clear and obvious way that Dems are infinitely different (and better) than republicans. Voting dem is harm reduction. Not voting, voting third party or protest write in voting is a vote for republicans. And republicans??? They give exactly zero shits about anyone other than themselves. They support stupid and insane religious conservative politics, and look to fuck over the American people (and everyone else abroad) at every turn because they don't believe in helping people; their convictions are all about hate, prejudice, fearmongering, and a right-wing Christian Theocracy. They would rather see millions of people die than give dems a win, because they are spiteful and hateful. They want us to be afraid, disengaged, disorganized and fighting one another, because their ideas, convictions and beliefs are deeply unpopular, and if we organize against them, they will lose.
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antoine-roquentin · 5 years ago
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Big businesses and powerful Democrats are aligning around a proposal to bail out employer health plans in the wake of staggering losses to the insurance industry, as some worry that a surge in uninsured Americans could give new life to a stalled push for “Medicare for All.”
The business and labor interests, who have strong economic motives to keep the current system of employer-based care, are rallying behind a Democratic effort to subsidize temporary extensions of newly unemployed Americans’ workplace health plans in Congress’ next coronavirus rescue package...
America’s health care system since World War II has relied on the increasingly costly employer insurance market. But with 26 million people rapidly losing their jobs amid a massive health crisis, the idea of tying coverage to the workplace is facing its biggest stress test yet.
Employers, health care groups and unions badly want the employer system to emerge from the health crisis unscathed, believing it would ward off any new expansion of government health care. Joe Biden’s rise to becoming the presumptive Democratic nominee was a relief to the health care industry, which has spent the past two years attacking Medicare for All. Health care groups also oppose other more incremental government expansions, like a public option Biden and other moderate Democrats support....
While the health industry and Democrats still want to bolster Obamacare, an unusual bloc is pressuring Congress to fully subsidize workplace premiums for the uninsured. Corporations would benefit because the employer-based system supplies a big tax break for benefits they can use as a recruiting tool. Unions would keep the generous coverage they have negotiated with corporations. And hospitals and doctors could maintain the big payouts from private insurance, which are far higher than the Medicare and Medicaid rates paid by government.
Such an idea could hit the political sweet spot on Capitol Hill. Workplace plans, which covered an estimated 160 million Americans before the pandemic, remain popular. Democratic leaders in Congress know Republicans have little appetite for broadly expanding government coverage, and Biden has endorsed temporarily subsidizing workplace plans. Republicans, despite railing against insurer “bailouts” in Obamacare for years, are friendlier to employer-based insurance and may be more receptive to a deal that could prevent millions of people joining the Medicaid rolls.
The health care industry is spooked by a widely circulated projection that between 12 million and 35 million people could lose their employer health plan in the economic fallout from coronavirus. The same analysis from consulting group Health Management Associates predicts the uninsured ranks could swell from 28 million to 40 million people, while Medicaid rolls in expansion states would also grow. That prospect worries the hospital industry, which endorsed COBRA aid on Tuesday, since the safety net program typically pays much less than Medicare.
Meanwhile, the health care industry is also trying to win back Americans’ trust about the affordability of the system, just months after hospitals and physician groups helped derail an effort to ban exorbitant “surprise” medical bills. Big insurance companies are waiving deductibles and copays for their commercial plans and the Trump administration is offering Medicare payments to hospitals so they don’t charge uninsured coronavirus patients.
Industry experts downplay the idea the pandemic poses an existential threat to employer insurance, noting that once the economy rebounds the same dynamics that have made the market attractive will remain unchanged.
note: everything you read that starts with “once the economy rebounds” is going to be horseshit
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isurance12 · 4 years ago
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Buying Private Health Insurance
If your employer does not offer you health insurance as part of an employee benefits program, you might be considering buying your health insurance through a private medical insurance provider. Whenever your employer provides you the choice to register for an employer-sponsored medical insurance program, they will generally cover a part of your insurance premiums.
A premium is the amount of money a person or company pays to an insurer; health insurance premiums are generally paid monthly. Should you have to insure yourself, then you are going to be paying the complete cost of their premiums. As a result of this, it’s not uncommon to be worried about just how much it will cost to buy health insurance on your own. But, there are various options and different costs available to you depending on the degree of coverage you want.
When buying your insurance, the practice is much more complex than just picking out a business program and using the superior payments come directly from your paycheck each month. Below are a few pointers to help steer you through the process of buying your medical insurance policy .
Many Americans obtain insurance by registering for a group medical insurance policy strategy through their companies.
Medicare is a national medical insurance program for those that are 65 or older. Particular young people with disabilities and individuals with end-stage renal disorder might also be eligible for Medicare. Medicaid is a public support health care program for low-income Americans no matter the age.
You can’t buy personal health insurance directly from the state or national authorities. In case your employer doesn’t offer you an insurance plan plan, also if you aren’t eligible for Medicare or Medicaid, families and individuals have the choice of buying insurance policies from private insurance companies or via the Health Insurance Marketplace.
There Are Particular conditions Which Make It more Probable that you Will Have to Buy your personal Medical Insurance program:
A Young Adult 26 Decades Old or Older Following that, they have to seek their own insurance coverage.
Unemployed COBRA allows qualified employees and their dependents the option to keep medical insurance policy policy when an employee loses their job or encounters a decrease in work hours.
While coverage through COBRA could be kept for up to 36 weeks (under certain conditions ), the expense of enrolling in COBRA is quite significant. This is since the previously employed individual pays the whole cost of their insurance. Usually, companies pay some of health premiums on behalf of the workers.
A Part-Time Worker Part-time jobs seldom provide health benefits. A part-time occupation is any place which needs workers to operate a reduce amount of hours than could be looked at full-time by their own employer, or 40 hours weekly. Should you operate part-time, you generally have to enroll on your health insurance.
Self-Employed A self-employed person might work for themselves as a freelancer or possess their own organization. A self-employed person might qualify for health insurance if they’re married and could be insured through their partner’s plan. Otherwise, they need to provide their own medical insurance policy.
A Business Owner Who’s Workers If you begin a company and you have employees, then you may be asked to provide them health insurance policy . Even if it is not mandatory, you might opt to provide medical insurance so as to be an aggressive employer who will entice qualified job applicants. In this Circumstance, You’ll Be required to purchase a company Medical Insurance plan, also Called a group strategy.
If you retire, you will probably no longer be qualified for employer-sponsored medical insurance. If you’re under 65 and not disabled, then you’ll have to buy individual personal medical insurance policy till you turn 65 and may apply for Medicare. Many retirees Decide to Buy personal Mediated or even Medicare Advantage programs along with
Medicare as a means of guaranteeing broader coverage. Some retired individuals may also make a decision to completely replace Medicare policy with personal Mediated or Medicare Advantage programs.
It’s very important to be aware the Medicare, Mediated, and Medicare Advantage programs are just for the person –your partner, spouse, and some dependents can’t be insured via your Medicare program. This implies that if your household was formerly covered through your employer’s program, and you retire, your family may have to enlist in a single insurance coverage.
Dropped From Your Present Insurer Even though the ACA prevents insurers from canceling your policy –or even denying you coverage because of a pre-existing illness or as you made an error on your program –there are different conditions as soon as your coverage could be canceled. Additionally, it is possible your insurance might become so expensive you can not afford it.
Why You Need to Purchase Health Insurance
If you end up in one of the above mentioned scenarios and lack health insurance policy, it is important to register for a single plan when possible. Beginning with the 2019 program year, there isn’t any longer a good for not having health insurance.
For program years through 2018, in the event that you decided not to purchase health insurance, then you can face a commission once you registered your federal taxation. This fee was known as the Individual Shared Responsibility Payment, but it’s not effective.
Though you won’t be billed a fee, you can’t predict when an accident will happen which will require medical care. A tiny broken bone may have adverse financial consequences if you are uninsured. Without medical care may be prohibitively costly.
The Health Insurance Marketplace is a stage that delivers insurance programs to individuals, families, or tiny businesses.
Many nations provide their own marketplaces, while the national government oversees a market available to residents of different nations.
Even though you might be unable to pay for the exact same sort of plan that an employer would provide you with, any quantity of policy is more valuable than being uninsured. In case of a significant injury or the unlucky beginning of a long-term illness, you’ll be more prepared.
Though you won’t be billed a commission, you cannot predict when an accident will happen that will need medical care.
Selecting the Ideal Insurance Plan For You There are many distinct sorts of medical insurance programs, and every one of those plans has quite a few special capabilities.
A health maintenance organization (HMO) is a business that’s organizational structure enables them to give insurance coverage to their readers via a particular community of healthcare providers.
Premiums are normally reduced for HMOs since health companies have patients targeted at them, but the drawback is that readers are restricted to obtaining a network of physicians and other health care providers that are contracted with the HMO.
Healthcare providers which are a part of the network are known as preferred suppliers, or in-network providers. Clients of a PPO program have the choice of seeing health care providers out of the network of suppliers (courier suppliers ) however the prices for seeing these services are somewhat more expensive.
Having an EPO, you may only get services from suppliers in a particular network. However, exceptions could be made for emergency maintenance.
Another feature of an EPO program is that you might have to pick a primary care physician (PCP)–a general professional that will give preventative maintenance and treat you for minor disorders. Additionally, using an EMO program, you normally don’t have to find a referral from the PCP so as to find a professional physician.
To begin with, it’s a higher annual deductible than other insurance programs. A deductible is the portion of an insurance policy claim the contributor covers themselves. Secondly, high-deductible health plans generally have lower monthly premiums.
This sort of plan is excellent for youthful or typically healthy men and women who do not expect to need healthcare services unless they undergo a medical emergency or an unforeseen accident. The final defining characteristic of a high-deductible wellness program is the fact that it provides access to some tax-advantaged Health Savings Account (HSA).
An HSA is an account which readers can donate funds to this may later be utilized for medical costs their high deductible health plan does not cover. The benefit of those balances is that the capital aren’t subject to federal income taxation in the time of their deposit.
Some of services which readers receive is compensated for with pre-tax bucks. As with other high-deductible health programs, consumer-driven health programs have higher annual deductibles compared to other medical insurance programs but the contributor pays lower premiums every month.
A purpose of service (POS) program offers distinct advantages to readers based on whether they use preferred suppliers (in-network providers) or suppliers out the favorite network (out-of-network providers). A POS plan includes characteristics of the two HMO plans and PPO plans.
A short-term insurance coverage is a form of insurance policy that lasts for a brief time period, typically for three weeks. But, term lengths differ by country, and in certain U.S. countries, you might be entitled to a short-term strategy for as much as 12 weeks.
Short-term medical insurance can be known as temporary health insurance or term medical insurance. It can be a temporary solution to help fill gaps in insurance coverage if you’re between jobs, waiting for additional policy to start, if you’re waiting to become qualified to Medicare policy, or when you want to register for health insurance but it’s beyond the specified open enrollment period.
However, one significant caveat of a short-term insurance program is that in some scenarios, preexisting circumstances may disqualify you from policy. The definition of a preexisting illness fluctuates depending on the state you reside in, but it’s normally defined as something you’re diagnosed with or received treatment for over the previous two to five decades.
Catastrophic health insurance policy is a kind of insurance program that’s usually only available to adults ages 30 or younger. To be able to be eligible for catastrophic coverage, you need to get a hardship exemption by the authorities. Catastrophic health insurance generally has lower premiums than other medical insurance plans.
These kinds of programs are meant for men and women who can’t manage to spend very much money each month on insurance premiums but that do not need to be without insurance in case of a catastrophic injury. While catastrophic medical insurance programs might have reduced monthly premiums, they generally have the greatest possible deductibles.
As soon as you’ve decided on the sort of plan that’s ideal for you, you ought to ascertain how much you are able to pay as a deductible. Bear in mind, a deductible will be the specified amount you pay for covered healthcare services before your insurance coverage starts to payoff. What can you afford to cover out-of-pocket medical expenditures every year? In case your monthly income stream is reduced, you may need to decide on a higher deductible.
Another essential consideration when choosing an insurance program is your program’s out-of-pocket maximum. When you have spent that amount on deductibles and healthcare services via co-payments and co-insurance, your health plan will cover the whole cost of insured benefits.
Even though a lot of men and women are frightened by the possibility of buying their own insurance, versus registering in an insurance plan plan, a few studies have revealed it may wind up becoming more affordable occasionally than employer-sponsored programs.
By way of instance, a study by the Kaiser Family Foundation found that the average monthly premium for an employer-sponsored insurance policy for individual policy in 2019 was 603. It had been $1,725 for household policy.7
Additionally, should you wind up buying coverage through the Health Insurance Marketplace, then you might be entitled to a Cost-Sharing Reduction subsidy and Advanced Premium Tax Credits. These may diminish the amount you pay for premiums, in addition to lowering your allowance, and some other co-payments and co-insurance you’re accountable for.
Where to Visit Purchase Private Health Insurance You’ve got a lot of alternatives when it comes to getting private medical insurance.
Medicare.gov If you are (or will be) retired, then you are able to start on the web site to get Medicare. It’s encouraged that you see exactly what the normal Medicare program covers and look at choices for methods to supplement Medicare via Mediated and Medicare Advantage policies. When contemplating Mediated or Medicare Advantage coverage, it is important to see how both work kinds of policy work along with conventional Medicare coverage.
Healthcare.gov It is possible to stop by the Health Insurance Marketplace site to learn more about the alternatives for health insurance coverage your state provides. You could even determine if you are eligible for any cost-saving steps and how to employ.
The Health Insurance Marketplace includes a particular open registration period. Normally, it’s between November 1 and December 15 of a given year, but specific events can lead into the open registration period being extended or reopened.
The site also has information about personal plans which are offered for purchase outside the Marketplace. But if you obtain a plan away from the ACA’s Marketplace, if during open registration or maybe not, you won’t be qualified for any subsidies available under the ACA.
Under certain conditions, a person might be qualified to buy a health plan through the market even if it’s beyond the specified open registration period. You might qualify for a Special Enrollment Period if you undergo a family change, like getting married or divorced, with (or adopting) a child, a death in your loved ones, proceeding, losing your health , being at a national tragedy, or undergoing a handicap.9
You might also go to the sites of big medical insurance companies in your geographical area and browse available choices dependent on the sort of coverage you would like along with also the allowable you can manage to cover. The kinds of plans offered and the premiums will be different dependent on the state you reside in. It is essential to be aware that the plan cost quoted on the site is the cheapest available cost for this program and assumes that you’re in exceptional health. You will not understand what you will pay per month until you employ and offer the insurer with your health care history.
Pricing and the sort of coverage may also vary significantly dependent on the medical insurance provider. As a result of this, it can be hard to genuinely compare the strategies to ascertain which firm has the best mix of rates and policy. It is sometimes a fantastic idea to recognize which programs provide the most of the characteristics that you need and are contained in your budget, then to read customer reviews of these programs.
If you are picking a family program or you’re an employer who’s picking a plan which you will provide to your workers, you will also need to take into account the needs of the others who will be dealt with under the program.
Crucial Factors for Selecting a Strategy Health insurance programs provide many different distinct capabilities. While it might be challenging to discover a plan which features all you would like, think about which of these attributes are the most clinically and fiscally vital. .
The Main Point Obtaining your health insurance plan might not be as simple as getting signed up with a company’s plan. However, as soon as you determine what you want and become knowledgeable about the language used to refer to medical insurance programs, your study may become simpler. With the amount of alternatives available, you can most likely find a plan that meets your requirements –and your budget.
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bestinsuranceplans · 4 years ago
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Buying Private Health Insurance
If your employer does not offer you health insurance as part of an employee benefits program, you might be considering buying your health insurance through a private medical insurance provider. Whenever your employer provides you the choice to register for an employer-sponsored medical insurance program, they will generally cover a part of your insurance premiums.
A premium is the amount of money a person or company pays to an insurer; health insurance premiums are generally paid monthly. Should you have to insure yourself, then you are going to be paying the complete cost of their premiums. As a result of this, it's not uncommon to be worried about just how much it will cost to buy health insurance on your own. But, there are various options and different costs available to you depending on the degree of coverage you want.
When buying your insurance, the practice is much more complex than just picking out a business program and using the superior payments come directly from your paycheck each month. Below are a few pointers to help steer you through the process of buying your medical insurance policy .
Many Americans obtain insurance by registering for a group medical insurance policy strategy through their companies.
Medicare is a national medical insurance program for those that are 65 or older. Particular young people with disabilities and individuals with end-stage renal disorder might also be eligible for Medicare. Medicaid is a public support health care program for low-income Americans no matter the age.
You can't buy personal health insurance directly from the state or national authorities. In case your employer doesn't offer you an insurance plan plan, also if you aren't eligible for Medicare or Medicaid, families and individuals have the choice of buying insurance policies from private insurance companies or via the Health Insurance Marketplace.
There Are Particular conditions Which Make It more Probable that you Will Have to Buy your personal Medical Insurance program:
A Young Adult 26 Decades Old or Older Following that, they have to seek their own insurance coverage.1
Unemployed COBRA allows qualified employees and their dependents the option to keep medical insurance policy policy when an employee loses their job or encounters a decrease in work hours.
While coverage through COBRA could be kept for up to 36 weeks (under certain conditions ), the expense of enrolling in COBRA is quite significant. This is since the previously employed individual pays the whole cost of their insurance. Usually, companies pay some of health premiums on behalf of the workers.
A Part-Time Worker Part-time jobs seldom provide health benefits. A part-time occupation is any place which needs workers to operate a reduce amount of hours than could be looked at full-time by their own employer, or 40 hours weekly. Should you operate part-time, you generally have to enroll on your health insurance.
Self-Employed A self-employed person might work for themselves as a freelancer or possess their own organization. A self-employed person might qualify for health insurance if they're married and could be insured through their partner's plan. Otherwise, they need to provide their own medical insurance policy.2
A Business Owner Who's Workers If you begin a company and you have employees, then you may be asked to provide them health insurance policy . Even if it is not mandatory, you might opt to provide medical insurance so as to be an aggressive employer who will entice qualified job applicants. In this Circumstance, You'll Be required to purchase a company Medical Insurance plan, also Called a group strategy .3 4
If you retire, you will probably no longer be qualified for employer-sponsored medical insurance. If you're under 65 and not disabled, then you'll have to buy individual personal medical insurance policy till you turn 65 and may apply for Medicare. Many retirees Decide to Buy personal Medigap or even Medicare Advantage programs along with
Medicare as a means of guaranteeing broader coverage. Some retired individuals may also make a decision to completely replace Medicare policy with personal Medigap or Medicare Advantage programs.
It's very important to be aware the Medicare, Medigap, and Medicare Advantage programs are just for the person --your partner, spouse, and some dependents can't be insured via your Medicare program. This implies that if your household was formerly covered through your employer's program, and you retire, your family may have to enlist in a single insurance coverage.
Dropped From Your Present Insurer Even though the ACA prevents insurers from canceling your policy --or even denying you coverage because of a pre-existing illness or as you made an error on your program --there are different conditions as soon as your coverage could be canceled. Additionally, it is possible your insurance might become so expensive you can not afford it.
Why You Need to Purchase Health Insurance
If you end up in one of the above mentioned scenarios and lack health insurance policy, it is important to register for a single plan when possible. Beginning with the 2019 program year, there isn't any longer a good for not having health insurance.
For program years through 2018, in the event that you decided not to purchase health insurance, then you can face a commission once you registered your federal taxation. This fee was known as the Individual Shared Responsibility Payment, but it's not effective.
Though you won't be billed a fee, you can't predict when an accident will happen which will require medical care. A tiny broken bone may have adverse financial consequences if you are uninsured. Without medical care may be prohibitively costly.
The Health Insurance Marketplace is a stage that delivers insurance programs to individuals, families, or tiny businesses.
Many nations provide their own marketplaces, while the national government oversees a market available to residents of different nations.
Even though you might be unable to pay for the exact same sort of plan that an employer would provide you with, any quantity of policy is more valuable than being uninsured. In case of a significant injury or the unlucky beginning of a long-term illness, you'll be more prepared.
Though you won't be billed a commission, you cannot predict when an accident will happen that will need medical care.
Selecting the Ideal Insurance Plan For You There are many distinct sorts of medical insurance programs, and every one of those plans has quite a few special capabilities.
A health maintenance organization (HMO) is a business that's organizational structure enables them to give insurance coverage to their readers via a particular community of healthcare providers.
Premiums are normally reduced for HMOs since health companies have patients targeted at them, but the drawback is that readers are restricted to obtaining a network of physicians and other health care providers that are contracted with the HMO.
Healthcare providers which are a part of the network are known as preferred suppliers, or in-network providers. Clients of a PPO program have the choice of seeing health care providers out of the network of suppliers (courier suppliers ) however the prices for seeing these services are somewhat more expensive.
Having an EPO, you may only get services from suppliers in a particular network. However, exceptions could be made for emergency maintenance.
Another feature of an EPO program is that you might have to pick a primary care physician (PCP)--a general professional that will give preventative maintenance and treat you for minor disorders. Additionally, using an EMO program, you normally don't have to find a referral from the PCP so as to find a professional physician.
To begin with, it's a higher annual deductible than other insurance programs. A deductible is the portion of an insurance policy claim the contributor covers themselves. Secondly, high-deductible health plans generally have lower monthly premiums.
This sort of plan is excellent for youthful or typically healthy men and women who do not expect to need healthcare services unless they undergo a medical emergency or an unforeseen accident. The final defining characteristic of a high-deductible wellness program is the fact that it provides access to some tax-advantaged Health Savings Account (HSA).
An HSA is an account which readers can donate funds to this may later be utilized for medical costs their high deductible health plan does not cover. The benefit of those balances is that the capital aren't subject to federal income taxation in the time of their deposit.
Some of services which readers receive is compensated for with pre-tax bucks. As with other high-deductible health programs, consumer-driven health programs have higher annual deductibles compared to other medical insurance programs but the contributor pays lower premiums every month.
A purpose of service (POS) program offers distinct advantages to readers based on whether they use preferred suppliers (in-network providers) or suppliers out the favorite network (out-of-network providers). A POS plan includes characteristics of the two HMO plans and PPO plans.
A short-term insurance coverage is a form of insurance policy that lasts for a brief time period, typically for three weeks. But, term lengths differ by country, and in certain U.S. countries, you might be entitled to a short-term strategy for as much as 12 weeks.
Short-term medical insurance can be known as temporary health insurance or term medical insurance. It can be a temporary solution to help fill gaps in insurance coverage if you're between jobs, waiting for additional policy to start, if you're waiting to become qualified to Medicare policy, or when you want to register for health insurance but it's beyond the specified open enrollment period.
However, one significant caveat of a short-term insurance program is that in some scenarios, preexisting circumstances may disqualify you from policy. The definition of a preexisting illness fluctuates depending on the state you reside in, but it's normally defined as something you're diagnosed with or received treatment for over the previous two to five decades.
Catastrophic health insurance policy is a kind of insurance program that's usually only available to adults ages 30 or younger. To be able to be eligible for catastrophic coverage, you need to get a hardship exemption by the authorities. Catastrophic health insurance generally has lower premiums than other medical insurance plans.
These kinds of programs are meant for men and women who can't manage to spend very much money each month on insurance premiums but that do not need to be without insurance in case of a catastrophic injury. While catastrophic medical insurance programs might have reduced monthly premiums, they generally have the greatest possible deductibles.
As soon as you've decided on the sort of plan that's ideal for you, you ought to ascertain how much you are able to pay as a deductible. Bear in mind, a deductible will be the specified amount you pay for covered healthcare services before your insurance coverage starts to payoff. What can you afford to cover out-of-pocket medical expenditures every year? In case your monthly income stream is reduced, you may need to decide on a higher deductible.
Another essential consideration when choosing an insurance program is your program's out-of-pocket maximum. When you have spent that amount on deductibles and healthcare services via co-payments and co-insurance, your health plan will cover the whole cost of insured benefits.
Even though a lot of men and women are frightened by the possibility of buying their own insurance, versus registering in an insurance plan plan, a few studies have revealed it may wind up becoming more affordable occasionally than employer-sponsored programs.
By way of instance, a study by the Kaiser Family Foundation found that the average monthly premium for an employer-sponsored insurance policy for individual policy in 2019 was 603. It had been $1,725 for household policy.7
Additionally, should you wind up buying coverage through the Health Insurance Marketplace, then you might be entitled to a Cost-Sharing Reduction subsidy and Advanced Premium Tax Credits. These may diminish the amount you pay for premiums, in addition to lowering your allowance, and some other co-payments and co-insurance you're accountable for.
Where to Visit Purchase Private Health Insurance You've got a lot of alternatives when it comes to getting private medical insurance.
Medicare.gov If you are (or will be) retired, then you are able to start on the web site to get Medicare. It's encouraged that you see exactly what the normal Medicare program covers and look at choices for methods to supplement Medicare via Medigap and Medicare Advantage policies. When contemplating Medigap or Medicare Advantage coverage, it is important to see how both work kinds of policy work along with conventional Medicare coverage.
Healthcare.gov It is possible to stop by the Health Insurance Marketplace site to learn more about the alternatives for health insurance coverage your state provides. You could even determine if you are eligible for any cost-saving steps and how to employ.
The Health Insurance Marketplace includes a particular open registration period. Normally, it's between November 1 and December 15 of a given year, but specific events can lead into the open registration period being extended or reopened.
The site also has information about personal plans which are offered for purchase outside the Marketplace. But if you obtain a plan away from the ACA's Marketplace, if during open registration or maybe not, you won't be qualified for any subsidies available under the ACA.
Under certain conditions, a person might be qualified to buy a health plan through the market even if it's beyond the specified open registration period. You might qualify for a Special Enrollment Period if you undergo a family change, like getting married or divorced, with (or adopting) a child, a death in your loved ones, proceeding, losing your health , being at a national tragedy, or undergoing a handicap.9
You might also go to the sites of big medical insurance companies in your geographical area and browse available choices dependent on the sort of coverage you would like along with also the allowable you can manage to cover. The kinds of plans offered and the premiums will be different dependent on the state you reside in. It is essential to be aware that the plan cost quoted on the site is the cheapest available cost for this program and assumes that you're in exceptional health. You will not understand what you will pay per month until you employ and offer the insurer with your health care history.
Pricing and the sort of coverage may also vary significantly dependent on the medical insurance provider. As a result of this, it can be hard to genuinely compare the strategies to ascertain which firm has the best mix of rates and policy. It is sometimes a fantastic idea to recognize which programs provide the most of the characteristics that you need and are contained in your budget, then to read customer reviews of these programs.
If you are picking a family program or you're an employer who's picking a plan which you will provide to your workers, you will also need to take into account the needs of the others who will be dealt with under the program.
Crucial Factors for Selecting a Strategy Health insurance programs provide many different distinct capabilities. While it might be challenging to discover a plan which features all you would like, think about which of these attributes are the most clinically and fiscally vital. .
The Main Point Obtaining your health insurance plan might not be as simple as getting signed up with a company's plan. However, as soon as you determine what you want and become knowledgeable about the language used to refer to medical insurance programs, your study may become simpler. With the amount of alternatives available, you can most likely find a plan that meets your requirements --and your budget.
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audi a3 insurance cost
audi a3 insurance cost
audi a3 insurance cost
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audi a3 insurance cost
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audi a3 insurance cost
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ertuomamort1981 · 4 years ago
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usaa insurance claim number
usaa insurance claim number = 1-877-678-4357 In the following states, car insurance claims can be reported anonymously and processed in real-time. The reported date is usually within 24 hours of the estimated time period. Reporting a claim with a security system is not recommended, but it can be done. Car insurance companies generally try to get as much as possible to resolve the claim without any investigation. In some instances, the payout may seem too little, and that’s just not the case. When companies have an investigator looking over any evidence, the claims adjuster may simply ask for some estimate of the damages. A standard auto insurance claim pays out $10,000 — or $1,500 — before the insurer pays the claim. Insurers use this portion of the claim to help settle the claim on the insured’s behalf. Once the repair shop receives the total amount that “has” been paid, the adjuster will decide what to do with the debris that fell and. usaa insurance claim number. My husband has life insurance through his job with the company. My question is does the company have to put his life insurance on the employees for the coverage to pay his funeral? As we’re only 100 miles from my home, was there any way we could get the money we had our entire life. It seems like you have an idea as to why they are making such a big deal about your husband’s insurance, but from some accounts, his insurance premiums are just as high as someone who has a regular policy. For example: Last month I was in a collision with someone on my policy. The claims representative told me she was not in my insurance policy in the accident. She told me I have to file a claim with the insurance company and had told me she didn’t know that. If this is true, the claim representative may be calling my husband every so often and wouldn’t call him to tell him the facts. I have the policy number. usaa insurance claim number How is it based? What is you have to file? How do i choose I How does What is an insurance association. How do I find a I just wanna help or please help How can I get help how can i go to Is it any kind of insurance? Does my wife insure us in my name? That depends on the state you live in. Is there a different insurer or two? In most states, the insurers are owned by the owner Can I get it listed as one of the insurers? Yes Can a male insure I’m 21yrs. or older or have an accident? I am a a small business owner. My parents have been policy holders.
Wife’s Death Results in $10 Million Dollar Judgment Against USAA Insured
Wife’s Death Results in $10 Million Dollar Judgment Against USAA Insured Car Insured, But, In 2013 This is also true if you can be sued by the same car (or auto, is it?) for over 4,700 years of driving and don’t want to drive. But this applies when you have the liability limits and your friends are the third party. No matter, insurance company’s there can’t always be a bad outcome. So if you have to go through these steps, it would definitely be the wrong decision. This is the next step, the final one. First, I’m going to explain why that might not work. And a lot of people still think that that is the next step. Remember, in order to get a vehicle you just need an insurance policy that covers at least liability and no coverage should be possible. I mean, to take the state’s minimum liability of any vehicle. When you take a vehicle out on the.
USAA insurance claim topics covered here:
USAA insurance claim topics covered here: If you are caught by police or charged with driving without insurance, you may have to pay: if you are not able to provide an estimate of damages or medical expenses to those injured in an accident, unless you do not have physical injury coverage. If you are charged for driving without insurance, there is an excess $250 in fees for failure to provide a copy of your statement, to obtain a copy of the judgment, and to file an affidavit to establish liability on behalf of the party who is liable for an accident. An article is a statement in possession of the driver, passengers or the articule of a vehicle. When a police officer catches a driver with no insurance (or no financial responsibility), he is also allowed to photograph the driver with the insurance information requested by the police officer for the police officer(s). In this instance, the officer may provide him with the insurance information directly and via an.
SECRET #5—USAA Lowballs Its Own Insureds on Uninsured Motorists and PIP Claims
SECRET #5—USAA Lowballs Its Own Insureds on Uninsured Motorists and PIP Claims If you don’t believe that the USAA is the best company, you should never settle for the cheapest rate from USAA. The USAA website is a little limited in terms of its services, but it’s still a popular name in the . But if you haven’t heard of… » MORE: USAA car insurance covers you for personal property damage caused in the event of an accident by someone who does not have insurance. However, you do have to be aware of any policies that specify this limit. The coverage is limited, but if you are a legal driver, you should be able to get such a policy. You can choose to carry liability limits that are below the amount of legal coverage you would be required to buy. Here are common insurance limits most drivers should aim for, in the event they are sued for any car accidents they are sued for. USAA s auto insurance discounts USAA offers a few car insurance discounts.
Is Garrison Property and Casualty Insurance Company the same as USAA?
Is Garrison Property and Casualty Insurance Company the same as USAA? What company is best to work with for the money? What is most important to make the job easier? Please, read our blog of the same and others. The best way to start is to take an online course. I am still learning every day and writing so I can better understand the benefits and drawbacks of the job. I will start working for insurance. What can I do to save money, and what do I do with the money. When I am working, I am not in a place to work? What do the things within me and my work mean for my job insurance policy? If I don t have any work, I m not in the exact field. So for any job, I m very limited to insurance. I need more for the life insurance alone. I am doing my part and will not be working, that means I will not get paid. My family will be in another family for five or 10 years when I turn 65. What can I do about insurance? I.
Driver Gets $200K Settlement with USAA (and Another Insurer)
Driver Gets $200K Settlement with USAA (and Another Insurer) New insurance claims go up $11.3% in 2017 New state claims go up $27.3% Lowest rate for any age Unemployed drivers: $1,200 per year, up to age 25 Unaffiliated drivers: $7,400 per year A high schooler: $4,230 per year, up to age 25 A New Mexico resident on Medicaid: $8 a month (or $100 per month) New Mexico residents who are on Medicaid: $4,230 per year, up to age 26 New family member on Medicaid: $5,700 per year, can sign up at any age A New Mexico driver who was rear-ended and was uninsured paid a settlement check of $23,711 for a total of $40,871.48, the annual rate for the year. This sum comes to a total of $88,680, or $86.76 a month — that’.
USAA May Not Be Able to Remove an Uninsured Motorist Insurance Cases To Federal Court
USAA May Not Be Able to Remove an Uninsured Motorist Insurance Cases To Federal Court In Missouri, Drivers Can File Insurance Claims on their Own Auto Insurance Claims. If you have a claim and insurance company files against you, you will have to show it to the Department of Revenue. And you may have to pay court costs and legal fees. If you can t afford the amount it takes to go to court over a claim, bankruptcy may be in your best interest. In addition, if you have too little money you may prefer to look for an insurance company that you can trust. You can check your car claim history by working with an independent agent. If they work with a regional company who can help you compare policies and benefits, they know more about you and the companies they represent. They will offer you products from established insurance companies. They also may shop around, which provides a wide range of policies in one place. If you have a car insurance policy with Missouri car insurance, you can pay high premiums. That means you will likely have to pay higher premiums for the time you insure.
Hit by a Drunk Driver Insured With USAA (Claims and Settlements)
Hit by a Drunk Driver Insured With USAA (Claims and Settlements) We’d assume the customer was at fault and the driver’s policy will cover costs and possible damages. In some cases, they may be required to carry additional . Contact a USAA spokesperson to discuss your rights. A USAA representative will help you determine your specific coverage needs. Do any of the following: • Find an insurance company who’s available on a network to quote for a policy. • Provide your phone number and billing information to an insurance company. • Inform the broker by telephone whether their broker will have the coverage that is appropriate for you and your car. • Report suspicious or reckless driving and address the problem to the insurance company. • Report the incident to their insurance office or the police. • Provide a copy of your arrest warrant. • Provide the police officer with written and serial number information. • Verify insurance coverage with the police. • Make copies of your legal documentation. • Write identification cards for the driver. .
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mcintyrefrancis · 4 years ago
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california health insurance deadline
BEST ANSWER: Try this site where you can compare quotes from different companies :car4insurance.xyz
california health insurance deadline
california health insurance deadline: May 1, 2019 to July 1, 2019 for medical and dental insurance requirements. As a California resident, when you go to buy health insurance in California: You can t stay on your parents health insurance plan. You are in a car accident - You end up stuck without health insurance. Are you required to have the following healthcare coverage through your parents health insurance plan? And is it covered by any of them? If your parents plan doesn t cover you, but they do, are they required to get comprehensive California health insurance to be covered? As the number one insurance provider in California for residents of California,  is America s top-rated health insurance company for individuals and families. Let them know that they re covered with the best health insurance to protect their family. Call us at (916) 766-2620 now to discuss your insurance options in California. You can also find out how good health insurance will be for your family - . <|endof. california health insurance deadline. California citizens must file proof of financial responsibility with the Department of Insurance that the following forms are valid: You’ll need at least these forms to get the #SB201.com certificate: California residents need to file another signature certificate with the DMV to get: You may want to make the $75,000 or below California health insurance requirement a requirement within the required 1 year before running out of savings to qualify for free health care and dental insurance discounts. A minimum of the health insurance credits of $25,000 can be used to cover health insurance costs during your first 3 months. If you don’t think it’s the right coverage for you, the best place to start is through the  to find coverage and insurance rates from different providers across California. You can also use the  to get health insurance quotes or request a free quote from a free quote website. The Affordable Care Act allows Californians to keep their in the state or can help you if you. california health insurance deadline. The cost of a health insurance premium depends on: These are the key health insurance features that you can look out for when choosing a health insurance plan. Some people have had to switch because they feel they are being forced by their employer or a government program when they turn 26. If you are unemployed, you don’t have medical insurance through your employer. For example, if you retire or get a long-term care plan, you can take your health insurance plan with you if you decide to move to the government s health insurance program. The last thing you need health insurance for (and after) your parents is to delay your birth date or your pregnancy to avoid being uninsured to ensure they have affordable health insurance if you are out of work and unable to afford it. The age of when your parents can get free health insurance is probably the most important factor when choosing this plan. This plan will allow them time to compare the options in order to decide in the best interest of both you and.
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anti-encomiums · 4 years ago
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One has to wonder what planet trump supporters live on. The man they are voting for looks like this...
trump - the man who cheated on his 1st wife with his second wife, his 2nd wife with his third wife and his 3rd wife with a porn star. A serial adulterer and multiple divorcee accused of sexual assault by... Is it 26 women? But we can ignore accusers if accused man says he didn't do it? Why does he refuse to give a DNA sample that will prove him innocent in the Carroll case?
trump - the man who lost all the money his KKK father gave him. The man who has been bankrupt 6 times; a well known conman and cheat (trump university to name one). A man who has spent tax payers dollars at his own resorts and gave lucritive government contracts to his friends and family. Which is fine?
trump - the man whose sanctions on China are costing US businesses a fortune. China does not pay tarrifs - Americans do! The man whose trade war will bankrupt countless farms; handing the business to Russia.
trump - the man who said he'd pay more tax if elected and most voters would pay less. In reality, trump paid no tax in 10 out of 15 years and paid less tax in 2018 than most working class Americans pain in a month.
trump - the man who owes over $400 million dollars in personal debt to the dodgy Deutche bank.
trump - the man who oversaw $2Trillion added to the deficit in tax cuts; 83% of that going to millionaires and billionaires and big business; the remaining 17% shared amongst every other American. The deficit is now up 46% from the one he inherited. The bill to be paid by cutting social programmes - medicare, medicade and benefits (unemployed, pensioners, veterans, the disabled).
trump - the man who defrauded a kids cancer charity and a veterans charity.
trump - the man who says the entire intelligence community (17 agencies) are wrong about Russian interference in elections.
trump - the man who can't even admonish Russia who were accused of paying the Taliban to kill American soldiers.
trump - the man so concerned about the foreign business entanglements of his rival while ignoring the compromising deals he's negotiated for himself and his family.
trump - the unindicted co-conspirator in campaign finance fraud and accused of obstruction of justice six time. Unidicted, not for innocence or lack of evidence but exclusively because he is a sitting president.
trump - an impeached president whose trial refused to hear witnesses or present evidence; whose defence presented no exculpatory evidence, they just decided he wasn't guilty.
trump - a man who wants credit for a peace deal between parties who were already talking & were not in conflict.
trump - the man who questions his rivals mental health while spouting inarticulate nonsense like a covfeffe addled dimwit. Not to mention spreading conspiracy theories and being fact checked (otherwise known as being flagged for lying) on social media.
trump - the man who has stoked racial tension but wants credit for black unemployment falling (a trend he continued rather than started - taking credit for another man's work).
trump - the man who calls any criticism false news, especially the true stuff.
trump - the man responsible for 230K American deaths by refusing to take covid seriously, refusing to aid states in need and eroding trust in experts while spouting anecdote. He runs the only country that had 100K new cases in one day.
trump - the man trying to destroy the Affordable Care Act during a pandemic that could push uninsured and under-insured numbers past 100 million.
trump - the sexist, mysoginistic, racist; the homophobic, transphobic, xenophobic, race-baiting, bigot; the greedy, vain, ignorant, arrogant, deeply stupid man; a nationalist, a white supremacist, a Nazi apologist...
If trump had stood as a democrat, you would hate him. He has reduced America to a laughing stock; we pity you all, even the fools who vote for the disgraceful thug. It is very safe to say that no-one will persuade me trump is a good man and I won't persuade his any of you that he is irredeemably wicked.
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They should enact a fully transformative agenda (ignoring everything conservatives say and leaving them out of the process ala the TCJA), undo almost every EO Trump signed (within the first 10 days), re-instate all the Obama EOs Trump retracted, pass laws to prevent the next Trump from getting so much power, and **allow investigations** into Trump's dealings. You can't prosecute without a fair and transparent investigation.
We need to erase Trump. erase Trumpism, and protect our democracy in the future.
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amethyst-scars · 8 years ago
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I’m not going to sit here for Miss USA. This able-bodied 25 year old girl, who has a government job and very CUSHY health insurance, believes and stands by that health care is a privilege that should only be afforded to those who work.
So if you’re too old, too young, disabled, unemployed, unable to find full time work, tough luck. In America you are under your parents’ insurance until you’re 26. She hasn’t even seen the reality of what it could mean to be uninsured. 
I turned 26 this year, and until then I had the same ignorance because health care was just always assumed. Its not anymore, and the reality of how horrible it can be to not have that access is real as fuck.
I almost don’t fault her, as I was just as ignorant a year ago. But I’m also not on a national platform. I wont celebrate words like this. Sorry not sorry. 
Oh and BTW I’m a hard working individual who happens to be working 3 jobs to make ends meet right now. All 3 are considered part-time so they don’t come with insurance. I am working harder than most and would be considered on my own. Perhaps her platform is that anyone who works deserves health care, and that’s fine to say - but she didn’t preface it that way.. In which case I’d like to shine light that most jobs will keep you JUST shy of full time qualification for insurance. Literally maybe the matter of 30 min to 1 hour under a week so they don’t have to provide it. Wake up.
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badthingstrumpdidtoday · 8 years ago
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Bad Things Trump Did Today - March 14, 2017
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Image Source: AP Photo
Healthcare bill appraisal warns that an increase of more than 24 million people could be uninsured under ACA replacement
Source: Politico
A recent report from the Congressional Budget Office (CBO) has found that an additional 24 million individuals could be uninsured within the next decade under the GOP’s new healthcare bill. These numbers have foreshadowed trouble for Representatives who have been pushing for the bill:
Though conservatives have been the most vocally resistant to the plan so far, the new figures underscore the danger that moderate Republicans who hail from states that embraced Obamacare’s massive Medicaid expansion face if they support the bill. This contingent of House Republicans has been mostly muted about the bill so far and has been viewed by leadership allies as likely to fall in line.
The CBO score is a new obstacle for Republicans hoping to coalesce around a health care vision.
The number of uninsured people may be even greater than the CBO predicted. A review from the Office of Management and Budget (OMB) has indicated that as many as 26 million individuals may be uninsured under the proposed bill:
According to documents viewed by POLITICO, the OMB analysis intended to assess the coverage and spending outcomes of the legislation.
The analysis found that under the American Health Care Act, the coverage losses would include 17 million for Medicaid, 6 million in the individual market and 3 million in employer-based plans.
A total of 54 million individuals would be uninsured in 2026 under the GOP plan, according to this White House analysis. That’s nearly double the number projected under current law.
EPA reconsidering new chemical plant safety rule
Source: The Hill
The rule, which was made final in December under the Obama administration, overhauls the standards that apply to chemical plants and similar facilities to prevent and mitigate accidental chemical release emergencies.
The decision comes just two weeks after a coalition of industry groups affected by the rule wrote to Pruitt asking for such action. Congressional Republicans have also objected, and Congress is considering legislation by Sen. Jim Inhofe (R-Okla.) and Rep. Markwayne Mullin (R-Okla.) to overturn the rule.
Senate votes to overturn Obama-era drug testing law
Source: The Hill
The Senate voted along party lines to eliminate a law limiting when states can drug test individuals applying for unemployment benefits. Republicans have argued that the law oversteps state’s rights, a stance that the White House has supported:
The Trump administration has also voiced support for getting rid of the rule, arguing its definition of occupations is too narrow and limits a states ability to drug test.
But Democrats warn that by nixing the rule lawmakers will be allowing states the ability to randomly drug test workers who through no fault of their own are unemployed, poor or in need of public assistance.
"This idea that there is a presumption of irresponsible conduct and guilt is just baseless," Sen. Ron Wyden (D-Ore.) said from the Senate floor.
Trump’s 2005 tax returns have been leaked, angering the White House
Source: BBC
The return shows that, in 2005, Trump paid $38 million in taxes on more than $150 million in income. Though the WH has responded angrily to the leak, MSNBC, which received the document, is defending the action under the First Amendment:
Correspondents say the leak is still significant because so little is known about President Trump's tax returns and the new information will increase pressure on him to release more.
Although leaking federal tax returns is a criminal offence, MSNBC host Rachel Maddow argued that it was exercising its First Amendment right to publish information in the public interest.
Journalist David Cay Johnston, interviewed on MSNBC, said he had received the documents in the post from an anonymous source.
Want to learn more about how we can stop more bad sh*t from happening?
Donate to charities dedicated to fighting against the Trump agenda.
Learn from former congressional staffers on best practices for making your representative listen to you.
Register to vote in the November 6, 2018 Congressional midterm elections, save the date, and vote!
Learn how to run for office or get involved in your local political party.
Attend peaceful political protests and know your rights as a protestor.
Support organizations dedicated to investigative journalism and protecting our First Amendment rights.
Be sure to follow for tomorrow’s Bad Things Trump Did Today.
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positively-erinanne · 8 years ago
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I wrote this after spending a whole day reading about how the GOP wants to take away health care from me and millions of other Americans.  Because I’m angry and I don’t know what else to do.  It’s long and it wanders a bit, but it’s still more coherent than anything Donald Trump has said maybe ever.
In the very last days of March 2009, around two in the morning, I was walking home from a friend’s house. We lived in the same apartmenthome community, just a few streets apart, and half of the walk was on pedestrian-only walkways, away from public streets. It was also immediately adjacent to my college campus and for four years it had felt like a relatively safe area, so, I never worried.
I was passing by the montessori school in the neighborhood, with the school on one side of me and townhomes on the other, and silently remarking to myself that management had finally replaced the bulb in the street light that illuminated the sidewalk there so that my walk home was no longer in the dark. No sooner had I noticed this that I looked back and saw three young men jogging up the path behind me. They were dressed like many guys my age - somewhat baggy pants and hoodies. We had some fraternities on my college campus, but no frat houses, but my first thought was that they seemed “frat-like” and must be on their way to or from a party somewhere. It did not seem strange to me that they were jogging, and I did not feel as though I was in danger. As they approached me, I stepped off the sidewalk and into the dirt to let them pass.
They did not pass.
Instead, the three of them surrounded me, and suddenly I found a gun to my throat. A real gun. Pressed against my trachea. My thoughts were racing. I blurted out “Seriously?” I couldn’t believe this was happening. One of them told me to “shut up.” So, I did.
On one shoulder I was carrying a Trader Joe’s tote bag. It contained a hoodie, a bottle of water, and maybe some other things that have forever escaped my memory. On the other arm I was carrying a purse, filled with all the things a purse is filled with and then some. They began to remove the purse from my shoulder, and instinctively I clamped my arm down on the purse to make it difficult to remove. In a split second a voice in my head told me “Erin, this is real, just let go of the purse.” And so I realeased the grip my arm was making against my body, before they even had time to notice it had happened. They asked me where my keys were. I said they were in my purse. They fumbled through the purse, pulled out the keys, looked at each key and then handed them to me. Then, one of the guys patted me down to make sure I didn’t have anything else in my pockets. I waited breathlessly hoping they did not feel the thin flip phone in my pants’ pocket underneath my peacoat. (Terrified because they’d asked me if I had anything else and I said “no”; what would they do to me now if they found the phone?) They did not find it.
Then, as quickly as they’d come, they turned around, with my purse and my tote, and ran off in the direction from which they’d come. I just stood there for a second as a wave of sobs escaped my previously frozen being and then suddenly I began to run. My brain was telling me to go back to the house I had just left. I started running, but it was the same direction they were running. They stopped and looked back at me. Oh god, they think I’m chasing them. I froze. They then turned and continued to run as I stood there and cried. All I could think was “find somewhere safe.” As soon as they’d turned the corner and I couldn’t see them anymore, an old tan car sped passed and they were gone.
I ran full speed back the two blocks I had come. When I reached the front door I pounded with every ounce of my being as loud sobs escaped from somewhere inside me and then I collapsed onto the front porch with all of my weight against the front door. My friend opened the door and I managed some string of incoherent words that translated to call the police as I handed him the only thing I had left - my cell phone. A few minutes later the police arrived and they took my statement, they asked me to compile a list of everything that was in my purse and an estimate of its value, serial numbers, credit cards, etc.
Why am I telling you this story?
Because, Obamacare. Uhhh, what?
The Affordable Care Act. Yeah, WHAT?
Let me explain.
I’m uncomfortable throwing around the acronym PTSD, because I feel like it somehow suggests that I’ve experienced something akin to war or murder or some tragic event that made it to the news. It makes me feel like I’m attention-seeking or exaggerating. But after this night, I was diagnosed with PTSD.
I couldn’t eat, because whenever I tried to swallow, I could still feel the gun pressed to my throat.
I had vivid nightmares where I would be pulling large objects out of my mouth, that didn’t belong in there, that couldn’t possibly fit in there, and I would be pulling and pulling and they would never stop. Like those clowns that pull colored flags out of their mouths, but in my dreams it was weird things like seaweed and workboots and sail boats. I would wake up panting, drenched in sweat, like I had actually been pulling those things out of my mouth, trying desparately to breathe.
Everytime someone was walking behind me, jogging on a street, following too closely my heart would stop, sure that it was about to happen again.
I couldn’t fall asleep. I couldn’t go outside at night. I couldn’t carry a purse or a backpack or anything. I had trouble attending class and making it through study sessions. My apartment was a disaster, I was eating maybe once a day, but mostly not. I had no clean laundry.
Eventually I developed a cold that turned into a respiratory infection, throw in pink eye, add in some brochitis.
But despite all of this, amazingly, I graduated from college one month later, on time, with honors. Fantastic right?
Almost.
Pre-ACA, when I graduated in May of 2009, I lost my health insurance the day I was no longer a “student.” One month after being diagnosed with PTSD, anxiety, depression, after losing 25 lbs because I couldn’t eat. I no longer had health insurance through my parents’ employers, because I was no longer a dependent and I was no longer a student.
I moved out of my college apartment and 450 miles back home to live with my Mom. I needed help. My mental health was at an all-time low and I had no health insurance. My mother was graciously paying out of pocket for a therapist and a psychiatrist, because she could afford to, and I am SO SO lucky for that.
I applied for at least seven different health insurance plans. I received denial letters from every single plan. “Sorry, you’re too high risk to insure due to PRE-EXISTING conditions.” Some were bullshit pre-existing conditions: oh you had strep throat one time two years ago. Sorry. Seriously?
But the hardest one for me, the one the cut the deepest, was that every single insurance company flagged my mental health as a reason they could not provide me with coverage. One letter even stated that I needed to be free of all mental illness for at least 10 years before it would no longer be considered a “pre-existing condition.” TEN YEARS. WHAT?
Several months went by and the ACA was passed by the senate. Then by the house. Then Obama signed it into law. The minute it went into effect, I was again covered by my mother’s health insurance. Suddenly the mental health care, and all other care I needed was affordable and attainable again.
Truthfully, if I had continued to need relatively routine, outpatient mental health care, my parents would have been able to afford it until I could, and gladly would’ve helped. But what if I couldn’t? WHAT ABOUT ALL OF THE PEOPLE WHO DON’T HAVE MY PARENTS? WHAT ABOUT ALL OF THE PEOPLE WHO ARENT UNDER 26? WHAT ABOUT ME NOW, 7 YEARS LATER? WHAT ABOUT PEOPLE WHO ARE UNEMPLOYED AND HAVE PRE-EXISTING CONDITIONS? WHAT ABOUT EVERY SINGLE PERSON TO WHOM THE ACA PROVIDES INSURANCE WHO WOULD OTHERWISE NOT BE ELIGIBLE FOR COVERAGE?
The ACA has saved hundreds of thousands of lives, and I’m not even going to give you a fact-check site for that because it made 20 million people who were previously uninsured insurable. And I’m not a mathematician but statistically speaking, if you take a sample of 20 million people, a couple hundred thousand are going to need life-saving treatment at some point that they would only otherwise afford with insurance coverage.
As if one story about how I have personally benefited from the ACA wasn’t enough, exactly one year and 20 days ago I went to the ER with severe abdominal pain. I was unemployed, but paying for individual coverage through Covered California, which was established by the ACA. I had a CT scan (thousands of dollars) and some blood work (hundreds of dollars) and found out I had acute appendicitis and needed to have my appendix removed before it ruptured (thousands more dollars). Thirteen hours later I was discharged with what I would later find out was roughly $60,000 in medical bills. I’m not even exaggerating. The recovery room after surgery was $13,000 on its own. (That’s a whole separate, but related problem.) My insurance company was billed for these services and ultimately, I paid about $2500 out of pocket when all was said and done. I can definitively say, with 100% certainty, that if I did not have insurance coverage through the ACA when this happened, I would not have immediately gone to the ER. I would not have found out that I had appendicitis. Maybe a day or so later, if it got worse, maybe I’d go then. Maybe not.
I am alive and healthy because of the Affordable Care Act.
My stories are not unique. They are common. They are everyone.
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ladyleona · 4 years ago
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Looking forward into 2021
It will not be so among you; but whoever wishes to be great among you must be your servant, 27 and whoever wishes to be first among you must be your slave; 28 just as the Son of Man came not to be served but to serve, and to give his life a ransom for many.” (Matthew 20:26-28, NRSV)
January 1, 2021.
Did we ever think this day would come?
I’m not usually one for fresh starts. October, November, and December are my favorite months so January comes to me every year with a bit of sadness, reminding me how long I have to wait for the best time of year. But this January 1st was long awaited, and I think this fresh start might give me an extra boost to keep on keeping on during these hard times.
As we inhabit this “new” space of 2021, we can now look back on 2020 and try to see things clearly, because no matter who you are, it was a year of brutal, unasked self-reflection. So let’s take a moment and look in the mirror:
We witnessed how COVID was not the great equalizer. The elderly and vulnerable were more susceptible to the disease. The middle and lower classes lost their jobs and healthcare while the rich increased their wealth. The already lonely and forgotten became even more isolated.
We witnessed how our society is set up to serve others above another. We saw the horrific mistreatment of black bodies on our social media feeds. We saw systems that we put our trust in – maybe even idolize – break down.
We witnessed powerful divisions between ideological sides. We felt the struggle of how or whether to even talk to our families during the election. We witnessed violence, defensiveness, and an inability to listen.
This is all of what we see in the mirror. Even though it’s hard to stomach, this is a reflection of who we are. Friends, we are in need of confession and repentance.
This passage that we read in Matthew today tells a different story, and I think it’s a story that can lead us into 2021 with fresh eyes. You see, the Kingdom is where these systems, hierarchies, and divisions are put to death. The Kingdom is where the needs of our suffering neighbors – the vulnerable, unemployed, uninsured, marginalized – come above our own needs, so much so that Jesus even “gave his life” as a sacrifice.
Bishop Michael Curry – the Bishop of the Episcopal Church – says that in hard times and in hard conversations, we must simultaneously kneel and stand. We must kneel in humility, opening ourselves up to learn and be open to another’s experience. Similarly, we must stand for the things Jesus stood for – radical love, welcoming, and sacrifice on behalf of the neighbor below us.
As we walk away from the mirror and move forward into 2021, things are still unsure, unsteady, and filled with anxiety. But we have a path forward – the path of Jesus, the path of both kneeling and standing. We have the hope of the Kingdom among us – in the breaking down of systems and structures that do not serve our communities and our neighbors. We continue to celebrate the incarnation of God with us, trusting that God inhabits this broken world alongside us.
2020 was hard, and it will be one we will not soon forget. But may we use this fresh start to look clearly in the mirror, turn (repent), and move towards a more Kingdom-like world.
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kathleenseiber · 5 years ago
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Time to unlink work and health insurance in the US?
It’s time to rethink the relationship between employment and health care in the United States, a historian and public health expert argues.
Mical Raz is a professor in public policy and health, an assistant professor of history, and a board-certified internist at the University of Rochester Medical Center. She is the author of The Lobotomy Letters: the Making of American Psychosurgery (University of Rochester Press, 2015) and What’s Wrong with the Poor? Psychiatry, Race, and the War on Poverty. (University of North Carolina Press, 2016).
Here, Raz explains why it’s time to uncouple the link between health insurance and work in America:
Over 3.2 million Americans filed unemployment claims last week, a 3 million increase from the previous week. Yet this staggering number is undoubtedly an underestimate. The enormous economic impact of these figures has a direct public health aspect—the loss of health insurance for many Americans who receive these benefits through their employer.
In the throes of a global pandemic, drastically increasing the number of uninsured Americans adds fuel to an already devastating fire. At the same time, the Trump administration has signaled that it has no intention to back off from its argument that the entirety of the Affordable Care Act is unconstitutional and should be struck down. The US Supreme Court should be hearing the case later this year, and while the legal arguments are astoundingly flimsy, there is no assurance that the law will be upheld.
The abrupt spike in the newly uninsured has the potential for a perfect storm, devastating to both individuals and hospitals, who will see soaring rates of uncompensated care. In the absence of health insurance, hospitals continue to provide acute care, but find that they often do not get paid for it.
There is no preordained reason health insurance should be tied to employment, and the United States is unique in its insistence on the primacy of this model. Nearly 60% of Americans obtain their health insurance through their employer, a statistic that should worry us all as we see the rising unemployment figures. Americans view health insurance, and thus access to health care, as a privilege earned through employment rather than a fundamental right, and attempts to alter this relationship have been met with intractable resistance.
Health insurance and employment
This employment-focused approach was not inevitable, but rather was meticulously cultivated by insurance companies, who had clear financial interests in mind. Insuring workers as a group was a powerful method of ensuring they would sell their policies to a relatively healthy, capable, and young population, thus keeping their expenses low and their profit margins high.
As historian David Rothman has shown, insurance companies marketed not only their product but also the cultural perception that insurance was an earned benefit, a responsibility that the head of the household needed to provide for his family. A father who could not take his child to the doctor because he had failed to obtain appropriate insurance was a sign of personal failure, rather than the failure of a society to care for its vulnerable.
By the 1960s, a majority of Americans received their health insurance through their employers, a development that began only in the early 1930s.
Yet, relying on employment as a method to obtain health insurance left many behind: the elderly, unemployed or those who cannot work for other reasons, and of course, children.
Specific programs were developed to address these populations—namely Medicare, Medicaid, and later the Children’s Health Insurance Program (CHIP). Still any attempts to expand insurance through means unrelated to employment were met with fierce resistance. With the passage of the Affordable Care Act, which as designed would have required states to expand Medicaid eligibility to low-income Americans, 26 states successfully sued the federal government to avoid this requirement. While many initially reluctant states eventually chose to expand, to date, 14 states have not expanded Medicaid, leaving many low-income Americans uninsured.
Furthermore, under the Trump administration, states have successfully petitioned to add work requirements to Medicaid accessibility, a harmful and unproven measure, most recently struck down in Michigan by the US District Court in Washington, DC.
Who’s paying?
While employer sponsored health insurance is popular in the US, it is expensive, inefficient, and favors high earners. The average cost of an employer sponsored plan in 2019 was over $20,000 per family, a 5% increase from the previous year. While the employer pays much of this, on average over a quarter of premiums are paid by employees, in addition to ever-increasing copays, deductibles, and other forms of cost sharing.
When employers pay for their employees’ benefits, it’s at the expense of worker’s salaries. Yet these benefits are not taxed, a long-standing tax quirk that disproportionately benefits higher earners with higher tax brackets. Furthermore, there is little incentive for efficiency and cost-saving measures in employer-based insurance, as high spending on health insurance is simply translated into higher premiums.
Essentially, insurers benefit while taxpayers foot the bill.
Employment-sponsored insurance favors insurance companies and those in high-paying jobs. It has many downsides, including promoting job-lock, hindering innovation, and keeping salaries low. It also, as we see now, is incredibly ill-suited for a widespread public health catastrophe like the COVID-19 pandemic. As unemployment and ensuing rates of uninsured Americans are beginning to soar, it’s time to rethink this relationship between employment and healthcare.
Opinions can change, and we should not let the health insurance industry be the primary shaper of public opinion on who deserves health insurance. Expediency creates new priorities, and reshapes deep-seated political beliefs. I have a family member who peeled off a car sticker that had read “Obamacare works for those who don’t” and happily enrolled for a plan in the government exchange, when their workplace no longer offered insurance.
The aftermath of the coronavirus pandemic should be an opportunity to rethink our overreliance on employment as a measure of value, and as a gateway to healthcare. It’s time to ensure Americans can access healthcare regardless of their employment. Too much is at stake.
Source: University of Rochester
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