When I was a little kid I thought what a great country we
live in, how lucky are we? For some reason I always thought living in other
countries would be terrible because of the cost of living and what not. You
wouldn’t think it but Australia is a very hard place to live in. But as the
days keep going by and Obama is in the office I’m beginning to think living in
another country wouldn’t be so bad.
Did you know that you can be exempt from the yearly fee of
not having insurance, which in 2014 will be 95$ per adult and 47.50$ per child,
if you can't find a plan that is lower than or equal to 8% of your monthly
income?
Confused? Ok, T and I make roughly $2100 per month with us
both working. 8% of that is 168$. So if I can't find a health insurance plan
that costs 168$ or less, I wouldn't have to pay the yearly fee for not having
insurance.
Right now, T and I are paying 20% of our monthly income for
insurance. Now, tell me what you would do??
Basically, we have decided not to have insurance and save
the 400$ we are paying right now in case of emergencies and we will be filling
for exemption on our 2014 tax return. That is, unless we can find a health
insurance plan for 168$ or less. Yeah right....
We will not be one of those low lying individuals who don’t
have insurance and need medical help then not pay their bills. Who says I can’t
put that 400$ in the bank every month and have it on hand for emergencies? It’s
not like we visit the doctor that often anyways. I’m not saying something won’t
happen but why not? Seriously?
Recently my brother broke his leg and had to have surgery
and you think that insurance would cover it. Oh yes, but not until my parents
had to pay the 7500$ deductible they have. They spend more money per month on
insurance than I do! And that’s a lot! Oh and not to mention the $1800 co-pay
they had because insurance only covers 70% of procedures. So in reality they
ended up spending $9300 plus what his medications costs, because again,
insurance only covers 70% of medical costs.
So is insurance really all that great? That’s the big
mystery!
To me it’s becoming as ridiculous as vehicle insurance is,
or dental and vision. Dental and vision insurance is a complete joke!
A while back my dad had to go in and have some cancerous
skin removed from his neck and just out of curiosity he asked the doctor how
much it cost to pay cash for it. All the doctor could tell him was that he had
insurance so it didn’t matter. She couldn’t even tell him! They are so used to
using insurance companies it’s sickening!
I also so on the news the other day of how self-pay clinics
are becoming more and more popular. Hmm.. I wonder why?
I want to do right by my family and provide the best for
them but it’s hard when the government is screwing things up and making it more
and more harder too live in America, the Land of the Free, the Home of the
Brave. Well folks, it’s not free anymore. Obama really really wants to call
martial law, I just know it, and there isn’t anyone brave enough to stand up to
him.
I would really enjoy ya’lls inputs if you feel like it, I’m
curious as to what other folks have to say…
So comment away!
P.S. I had a dream the other day, not a total dream but one
of those I’m halfway conscious kinda dreams that we started a pray group and
went to the capital and prayed around the white house. What would it hurt? It’s
what they need…