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Old 10-05-2012, 01:22 AM   #16
ferris198
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Well said Phil.
People complain about our system but I take comfort knowing that it is there when I need it
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Old 10-05-2012, 01:49 AM   #17
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Hate to say this...but welcome to the world of health care that most of us live in. And what you describe is still much better than many people have. Take some solace in all the $$ that you mom has saved over the years when the coverage was cheaper.
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Old 10-05-2012, 08:17 AM   #18
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OP, I have to agree with the others. That sounds about average to me. We had copays back in 1995 ($10 for gen practitioner and $20 for a specialist). They've gone up since then and so have deductibles, premiums, etc. There is usually some change every year that increases our medical costs in some way. That said, I'm not complaining, there are plans that are alot worse.

Since teacher's were mentioned, I have to add that teachers' benefits around here suck. (I've got a couple friends who are teachers.) They pay 50% more out of pocket for a family (similar in size to mine) and I was shocked to find out they don't even have a dental plan. Nada, nothing. Sheesh, DH works for a small local factory (about 300 employees, no union) and we have better benefits than they do.
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Old 10-05-2012, 08:33 AM   #19
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Just wait until teachers, state and federal workers are told that there will be no health care benefits after retirement. The private sector has already started this a few years ago and within the next few years, I doubt there will be any of those benefits at retirement.

At the company I'm at, you retire with no health care benefits - that will be one factor in EVER retiring at all. People I've spoken to are paying anywhere from $1000 and up per month on premiums after retirement.
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Old 10-05-2012, 08:41 AM   #20
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While a lot of people has suffered a lot of increases in insurance, the biggest problem is the combination of prices going up, coverage going down, AND not getting a pay raise in 5 years.
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Old 10-05-2012, 08:47 AM   #21
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Originally Posted by FlightlessDuck View Post
While a lot of people has suffered a lot of increases in insurance, the biggest problem is the combination of prices going up, coverage going down, AND not getting a pay raise in 5 years.
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Old 10-05-2012, 08:48 AM   #22
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My sister is a teacher. I *think* the insurance is so cheap because of the union(s).

When I started 13 years ago, health insurance with dental for singles was FREE. Copays and meds where also really really cheap. Ahh... the good old days!
Here in Texas, the teachers had pretty good insurance and they aren't allowed to have unions. I mean, they have these organizations that they belong to, but it's much more of legal insurance. There is no salary negotion and no one is allowed to strike. But, I can say that a lot of us are seeing our benefits change drastically and when asked, the reps did blame it on certain things that came into play not too long ago that I don't want to get into due to board rules.

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Originally Posted by Phil'sFrontier View Post
I am Canadian. I am lucky to live in a place where my health care is very well done. If I go to the doctors or the hospital all I do is show my Yukon health care card. We don't have any monthly payments unless you have extra insurance to cover prescriptions or something.
But if you need to go to er or have a baby or get your child into the doctor, all that stuff is covered by government health care.
There are a lot of myths about long line wait times, and quality of care, most of which are untrue.
Oh goodie! Can we please make this into another thread about Canadian vs. American healthcare? I was so hoping that would happen.
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Old 10-05-2012, 08:49 AM   #23
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Oh goodie! Can we please make this into another thread about Canadian vs. American healthcare? I was so hoping that would happen.
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Old 10-05-2012, 09:02 AM   #24
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Quote:
Originally Posted by JennaDeeDooDah View Post

Oh goodie! Can we please make this into another thread about Canadian vs. American healthcare? I was so hoping that would happen.
I was thinking the same thing! This thread had nothing to do with Canadian healthcare and to come on here and start raving about it was in bad taste and totally off topic

OP, your mothers plan sounds pretty average. What is the deductible?
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Old 10-05-2012, 09:03 AM   #25
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My hat is off to all the hard working teachers out there. But I think you have to realize that for many of us, the salary and benefits you are complaining of are more generous that what we get.
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Welcome to what the rest of us have been experiencing for the last 5-10 yrs. So no sympathy here.

Your plan is still better than ours and my DH works for a large company. And I'd be willing to bet a months salary that we pay more for it from his pay.
I'm sorry, but no sympathy from me either. I would LOVE to have insurance coverage like the OP is talking about.

We have paid our own health insurance most of our 37 years of married life. The ONLY time we didn't pay much was the 3 years DH worked part-time for Wal-Mart. We had great coverage then. $20 co-pay at the doctor's office was the best thing. We only paid $25/every 2 weeks (taken out of his check).

Currently our health insurance costs us $750/month for the two of us. We have no co-pay so any doctor visits come 100% out of our pocket. We have a high deductible, $2500/each of us I think, and we pay 20% of hospital stays.

They just raised our rate by about $50/month, because we both turned 55 this year.

Yeah, I would be happy paying the insurance that OP is talking about.
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Old 10-05-2012, 09:05 AM   #26
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Originally Posted by JennaDeeDooDah View Post
Oh goodie! Can we please make this into another thread about Canadian vs. American healthcare? I was so hoping that would happen.
Yeah, me too!
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Old 10-05-2012, 09:07 AM   #27
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I was thinking the same thing! This thread had nothing to do with Canadian healthcare and to come on here and start raving about it was in bad taste and totally off topic
I'm a Canadian and I cringe when I see that happen (and it seems to be happening more and more on the DIS).

OP - it does sound like your mother's new insurance is about average or better (I did live in the US for a while, so I get US insurance - at least as much as most people do). Doesn't really help the sting of the change though.
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Old 10-05-2012, 09:09 AM   #28
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I'm sorry, but no sympathy from me either. I would LOVE to have insurance coverage like the OP is talking about.

We have paid our own health insurance most of our 37 years of married life. The ONLY time we didn't pay much was the 3 years DH worked part-time for Wal-Mart. We had great coverage then. $20 co-pay at the doctor's office was the best thing. We only paid $25/every 2 weeks (taken out of his check).

Currently our health insurance costs us $750/month for the two of us. We have no co-pay so any doctor visits come 100% out of our pocket. We have a high deductible, $2500/each of us I think, and we pay 20% of hospital stays.

They just raised our rate by about $50/month, because we both turned 55 this year.

Yeah, I would be happy paying the insurance that OP is talking about.
I usually don't open these threads because I just get upset. Our situation is exactly like yours except we've only been married 28 years. DH is self employed and I am part time so we purchase our own insurance with the same numbers as yours.

And retirement? What's that?
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Old 10-05-2012, 09:17 AM   #29
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I understand it really stinks when health insurance costs go up, up, up, but I have to agree w/ many of the other posters who have spoken about the fact these increases are very, very old news to those of us in the private sector. I cannot understand how those in the public sector expect taxpayers to gladly fund a level of health insurance benefits many of us haven't even dreamt of in ten years or more.

FIL is a retired teacher who was fortunate enough to be able to retire in his early 50's. A couple years ago the IL's were up in arms about the fact their prescription co-pay was tripling -- up to $6! It's been at least 15 years since we've seen a prescription co-pay in the single digits. BTW, the $6 isn't at all a burden to them.
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Old 10-05-2012, 09:20 AM   #30
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Quote:
Originally Posted by Phil'sFrontier View Post
I am Canadian. I am lucky to live in a place where my health care is very well done. If I go to the doctors or the hospital all I do is show my Yukon health care card. We don't have any monthly payments unless you have extra insurance to cover prescriptions or something.
But if you need to go to er or have a baby or get your child into the doctor, all that stuff is covered by government health care.
There are a lot of myths about long line wait times, and quality of care, most of which are untrue.
So the Canadians I bump into at the doctor's office on a routine basis are mythological? I had no idea.
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