Disney Information Station Logo

Go Back   The DIS Discussion Forums - DISboards.com > Just for Fun > Community Board
Find Hotel Specials & DIScounts
 
facebooktwitterpinterestgoogle plusyoutubeDIS Updates
Register Chat FAQ Tickers Search Today's Posts Mark Forums Read


Reply
 
Thread Tools Rate Thread Display Modes
Old 10-07-2012, 01:16 AM   #91
sunshine1178
DIS Veteran
 
Join Date: May 2008
Posts: 532

Quote:
Originally Posted by denisenh View Post

Insurance deductables should work the other way. Pay claims up to $500 (or even a lower amount) a year in full and THEN have out of pocket kick in up to whatever amount deductable before it pays out again. That way the light users get some benefit.
My company offers an HRA with high deductible plan. We have a $2000 individual deductible ($4000 out of network,) and the company funds an HRA account with $1500.

So, my first $1500 of in-network costs are paid automatically by the HRA. I pay $500 out of pocket for expenses above that, and then the insurance company pays any bills once I have incurred more than $2000 in a year.

As long as we stay in-network, my out of pocket expenses are essentially capped at $500 per person, which makes it easy to budget for. I don't visit doctors frivolously, but it is a relief not to worry about costs when we do need medical intervention.
sunshine1178 is offline   Reply With Quote
Old 10-07-2012, 02:04 AM   #92
HelenaB
Mouseketeer
 
HelenaB's Avatar
 
Join Date: Feb 2011
Location: United Kingdom
Posts: 196

I've read through this thread. I know I'm a foreigner and so it's probably none of my business but still... it seems normal for families to have to pay out $600 a month for healthcare plus possibly more if they actually have to see a doctor or get treatment.

How the heck do you manage?
HelenaB is offline   Reply With Quote
|
The DIS
Register to remove

Join Date: 1997
Location: Orlando, FL
Posts: 1,000,000
Old 10-07-2012, 08:22 AM   #93
Swan4Me
DIS Veteran
 
Join Date: Mar 2011
Posts: 2,634

Quote:
Originally Posted by Callie View Post
My mom hasn't had a pay raise in five years either. But props to you for working so hard and not getting the salary you deserve. If that amount is pre-tax then I don't know how any teacher could survive. I know my mom makes a decent living. I think her extra stress right now is paying for not only my college, but covering my sisters grad school since my sister can't get any loans.
Sorry-but no parent is obligated to pay for college OR grad school.

We helped with college and combined with scholarships, our kids finished debt free. But no way I'd pay for grad school.Your sister needs to help with those costs, esp with these changes, IMO
Swan4Me is offline   Reply With Quote
Old 10-07-2012, 09:06 AM   #94
MIGrandma
A woman is like a tea bag. You never know how strong she is until she's in hot water~Eleanor Roosevelt
I have a toilet problem
33 people looked, and not one followed the rule!
 
MIGrandma's Avatar
 
Join Date: Aug 2009
Location: Michigan
Posts: 6,222

Quote:
Originally Posted by HelenaB View Post
I've read through this thread. I know I'm a foreigner and so it's probably none of my business but still... it seems normal for families to have to pay out $600 a month for healthcare plus possibly more if they actually have to see a doctor or get treatment.

How the heck do you manage?
For us, health insurance is something we just will not do without. We're both 55 now, so our insurance did go up about $50/month so we're paying $750/month just for the two of us and it isn't "great" insurance either. But God forbid something horrible happens and one of us develops a life-threatening disease or something we want to have that coverage.

We would give up traveling and other luxuries before we would give up our health insurance.
__________________
MIGrandma is offline   Reply With Quote
Old 10-07-2012, 10:59 AM   #95
marcyinPA
I'll never forget the strong, pungent smell of Noxema!
I was such a fashion disaster!!
 
marcyinPA's Avatar
 
Join Date: Apr 2001
Location: Pennsylvania
Posts: 7,734

Quote:
Originally Posted by HelenaB View Post
I've read through this thread. I know I'm a foreigner and so it's probably none of my business but still... it seems normal for families to have to pay out $600 a month for healthcare plus possibly more if they actually have to see a doctor or get treatment.

How the heck do you manage?
It isn't easy, but you do what you have to do. My DH works two jobs and I work one- plus a weekly babysitting gig- just to afford the basics. We pay a little less than a quarter of his monthly income towards health insurance premiums for our family. Obviously, that money is taken out of his paycheck so we never see it- so we just budget accordingly. It stinks- and I don't see it getting any better any time soon. But, we are happy, and healthy, and our NEEDS are met. We are doing pretty well.
__________________
10/93- off site(Holiday Inn Maingate East), 10/94- OKW, 10/97- off site (Doubletree Suites DD), 6/02- FW cabins,
5/04- POR (AB),
9/05-ASMo (Dh's 40th birthday trip!)- Free DDP, 5/07- POP!- DDP,
6/08- We're Cruisin' (NCL
Spirit) for my BIG 4-0!,
6/09- WL (celebrating my birthday with Mickey!)
,2/11- POP
marcyinPA is offline   Reply With Quote
Old 10-07-2012, 11:39 AM   #96
Colleen27
DIS Veteran
 
Colleen27's Avatar
 
Join Date: Mar 2007
Location: Michigan
Posts: 16,802

Quote:
Originally Posted by HelenaB View Post
I've read through this thread. I know I'm a foreigner and so it's probably none of my business but still... it seems normal for families to have to pay out $600 a month for healthcare plus possibly more if they actually have to see a doctor or get treatment.

How the heck do you manage?
A lot of people don't (it is more acceptable in the US to ration based on ability to pay than upon medical need - long waits for elective and non-emergent procedures are unacceptable, tens of thousands of working poor having little or no access to medical care is fine), and many of those that do have to make hard decisions to do it. No one talks much about the economic costs of our flawed system but it STRONGLY discourages entrepreneurial ventures as well as restricting consumer spending more and more with each successive year. In other words it is a drag on the two primary drivers of our economy.
__________________
~~**Colleen & Crew**~~
POR 10/05 ~ BC 08/07 ~ WL 01/08 ~ CBR 12/09 ~ POP 03/11 TR/ DR
POP 1/12 TR ~ ASSp 5/12 ~ CSR 3/13 ~ POP 4/13 ~ ASMu 12/13


Colleen27 is offline   Reply With Quote
Old 10-07-2012, 11:44 AM   #97
Coconut36
DIS Veteran
 
Join Date: Aug 2011
Posts: 4,095

Quote:
Originally Posted by Callie View Post
My mom is a public school teacher. Aka, she is under-paid and overworked. What kept her going was the health insurance. Due to the new laws, they had to change their plans.
All our prescriptions have tripled in price. Some have gone up times 12!
A visit to a urgent care clinic is now $40, when it was free after the deductibles.
Regular doctor is $20 co-pay. Same as above, free after deductible.
Our deductible also got MASSIVE!
Not to mention this new plan costs about 21% more than the old one.
She hasn't seen a pay raise in 5 years either.
But this really fits my family hard. I personally have a ton of health issues. Mental Health is going to be a killer, but I can't not seek the treatment.

Sorry had to vent.
I sincerely doubt the increases have anything to do with Healthcare Reform..my DH's plans through his district have been ridiculous for years. For the last 8 years his pay has done nothing but DECREASE..no raises and increased health and retirement costs. In his district the plan runs about $1,000 a month (for a district with an average pay for teachers of $2,000 a month and has been at that rate for close to 5 years now) and that is $50 for a specialist, $100 for ER or Urgent Care visit and $35 for regular visit co pay. Tiered costs for meds..one of his meds for cholesterol runs about $50 a month. It sucks.

We are not insured through his district and have private health insurance directly with the insurance company for a fraction of the costs (although a high deductible).
Coconut36 is offline   Reply With Quote
Old 10-07-2012, 12:40 PM   #98
npmommie
Channels George Michael in her car...
 
npmommie's Avatar
 
Join Date: Oct 2007
Posts: 7,373

Without getting political, I will say healthcare costs for massachusetts have increased, and it is due to the mandates and the reform here.
the idea was to reduce costs, yes, but it didn't work out that way.
npmommie is offline   Reply With Quote
Old 10-07-2012, 02:39 PM   #99
Callie
Always Dreaming of Disney Magic
 
Callie's Avatar
 
Join Date: Mar 2005
Posts: 1,535

Quote:
Originally Posted by Swan4Me View Post
Sorry-but no parent is obligated to pay for college OR grad school.

We helped with college and combined with scholarships, our kids finished debt free. But no way I'd pay for grad school.Your sister needs to help with those costs, esp with these changes, IMO
My sister will be repaying her. But they cannot seem to get loans because my mom makes too much money. Same with my college.
Also she has quite a bit of money tied up in investments for retirement that she refuses to touch
__________________
Addicted to Disney Since I was Two!
Callie is offline   Reply With Quote
Old 10-07-2012, 02:46 PM   #100
Coconut36
DIS Veteran
 
Join Date: Aug 2011
Posts: 4,095

Quote:
Originally Posted by HelenaB View Post
I've read through this thread. I know I'm a foreigner and so it's probably none of my business but still... it seems normal for families to have to pay out $600 a month for healthcare plus possibly more if they actually have to see a doctor or get treatment.

How the heck do you manage?
Millions of Americans don't manage. They forgo health insurance because they can't afford to carry it and thus put off care/visits because of the cost or they manage to pay the premiums but many end up "insurance poor" because they then can't afford to actually use it because of the high co pays, Rx drug costs and deductibles. It's not good for a lot of people...you read stories of people having to choose between paying their rent or taking their child to the Dr or people who have to choose between paying for insulin or buying food for the month.
Coconut36 is offline   Reply With Quote
Old 10-07-2012, 02:57 PM   #101
familyoffive
DIS Veteran
 
familyoffive's Avatar
 
Join Date: Sep 2002
Location: CA
Posts: 3,454

Quote:
Originally Posted by jrmasm View Post
Really? I'd love to see numbers showing that in most area of the country public and private sector pay is equal.
Take a look at the "public servant/service" salaries, benefits and pensions for California state, county and local governement employees. After that, look at the salaries for the city managers and attorneys within California. You will be shocked to see what public employees are being paid!
familyoffive is offline   Reply With Quote
Old 10-07-2012, 02:58 PM   #102
familyoffive
DIS Veteran
 
familyoffive's Avatar
 
Join Date: Sep 2002
Location: CA
Posts: 3,454

Quote:
Originally Posted by Callie View Post
My sister will be repaying her. But they cannot seem to get loans because my mom makes too much money. Same with my college.
Also she has quite a bit of money tied up in investments for retirement that she refuses to touch
What?
familyoffive is offline   Reply With Quote
Old 10-07-2012, 03:32 PM   #103
Hannathy
When I stop laughing I will answer you
 
Join Date: Jan 2006
Posts: 15,040

Quote:
Originally Posted by Callie View Post
My sister will be repaying her. But they cannot seem to get loans because my mom makes too much money. Same with my college.
Also she has quite a bit of money tied up in investments for retirement that she refuses to touch
Then she is financially comfortable and is making a decent living! If she is making so much that she can't get a loan for college then she should be paying (well for you, I don't believe in parents paying for grad school) Believe me she is doing OK, I know how much you have to make to not get anything!
Financial aid is there for kids whose parents don't make as much as your Mom, and that is what it should be for.

Also you sister could be getting private student loans she just/they don't want to pay the interest rate of private student loans.

It is sweet that you are concerned but you need to look at the big picture and see that your Mom is doing very well and there are many people in a whole lot worse situation.
Hannathy is offline   Reply With Quote
Old 10-07-2012, 03:36 PM   #104
RitaE
DIS Veteran
 
RitaE's Avatar
 
Join Date: May 2008
Posts: 5,188

Quote:
Originally Posted by Callie View Post
My sister will be repaying her. But they cannot seem to get loans because my mom makes too much money. Same with my college.
Also she has quite a bit of money tied up in investments for retirement that she refuses to touch
That doesn't make sense. Your sister being able to qualify for Grad Student loans shouldn't have anything to do with your Mother's income. Grad students are Independent per the FAFSA and don't report parent income

per the FAFSA website
Quote:
If you can answer No to all of the following questions, you are considered a dependent student on the Free Application for Federal Student Aid (FAFSA):

Were you born before January 1, 1989?
As of today are you married?

At the beginning of the 2012-2013 school year, will you be working on a master's or doctorate program (such as an MA, MBA, MD, JD, PhD, EdD, or graduate certificate, etc.)?

Are you currently serving on active duty in the U.S. Armed Forces for purposes other than training?
Are you a veteran of the U.S. Armed Forces?
Do you have children who will receive more than half of their support from you between July 1, 2012 and June 30, 2013?
Do you have dependents (other than your children or spouse) who live with you and who receive more than half of their support from you, now and through June 30, 2013?
At any time since you turned age 13, were both your parents deceased, were you in foster care or were you a dependent or ward of the court?
As determined by a court in your state of legal residence, are you or were you an emancipated minor?
As determined by a court in your state of legal residence, are you or were you in legal guardianship?
At any time on or after July 1, 2011, did your high school or school district homeless liaison determine that you were an unaccompanied youth who was homeless?
At any time on or after July 1, 2011, did the director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development determine that you were an unaccompanied youth who was homeless?
At any time on or after July 1, 2011, did the director of a runaway or homeless youth basic center or transitional living program determine that you were an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless?
RitaE is offline   Reply With Quote
Old 10-07-2012, 03:47 PM   #105
npcougar
DIS Veteran
 
npcougar's Avatar
 
Join Date: Apr 2009
Location: Indiana
Posts: 686

Quote:
Originally Posted by HelenaB View Post
I've read through this thread. I know I'm a foreigner and so it's probably none of my business but still... it seems normal for families to have to pay out $600 a month for healthcare plus possibly more if they actually have to see a doctor or get treatment.

How the heck do you manage?
There isn't much choice. I had a co-worker decide they couldn't afford it and shortly after she had a brain aneurism. Her bills were over $90,000. She has recovered but they won't ever be able to retire.
__________________
npcougar is offline   Reply With Quote
Reply



Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

facebooktwitterpinterestgoogle plusyoutubeDIS Updates
GET OUR DIS UPDATES DELIVERED BY EMAIL



All times are GMT -5. The time now is 10:02 AM.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

Copyright © 1997-2014, Werner Technologies, LLC. All Rights Reserved.