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KEN-JENNINGS
I am all that is MOD!
+2,861|5281|949

note that he didn't opt for insurance under his old job, he had his wife's.

Choosing insurance plans is a fucking nightmare. But that's the way it's got to be! No point in trying to make it better, just work hard, hope you can continue to make enough to cover yourself/family, and hope no one has any tragic accidents along the way. Simple!
uziq
Member
+286|2101
there’s a lot on the web about how biden is going to get marauded in the right-wing media and by trump on the podium because he is notably senile. he can’t string a coherent sentence together without lapsing into old-man bumbling. considering how much appearance and image matters, how is biden going to counter this obvious weakness?

trump is without question the worst orator and rhetorician ever seen in a ceremonial role, probably in the history of the human race, but, let’s face it, at least he owns that as the ‘anti’ politician. biden doesn’t have any excuse.
KEN-JENNINGS
I am all that is MOD!
+2,861|5281|949

they are different sides of the same overcooked steak.
SuperJail Warden
Member
+350|2368
Biden may do better on a 1 v 1 debate than a free for all. And no matter what happens he will still get the popular vote. Americans vote for parties as much as parliamentary countries even if our system wasn't design that way.
Jay
Bork! Bork! Bork!
+2,002|4007|London, England

KEN-JENNINGS wrote:

note that he didn't opt for insurance under his old job, he had his wife's.

Choosing insurance plans is a fucking nightmare. But that's the way it's got to be! No point in trying to make it better, just work hard, hope you can continue to make enough to cover yourself/family, and hope no one has any tragic accidents along the way. Simple!
She worked for a larger corporation at the time, with more generous benefits. Her company benefits are in decline. I moved to a large, private, family owned firm with very generous benefits (flat 8% 401k contribution, 75% premium coverage, fair bonus structure etc).

It was pretty simple to compare her PPO plan with whatever PPO plan my employers' offered.
"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat
SuperJail Warden
Member
+350|2368
You don't resent the fact that your boss controls your healthcare options? At least the cool thing about the ACA marketplace is the fact that you have choices and control.
Jay
Bork! Bork! Bork!
+2,002|4007|London, England

SuperJail Warden wrote:

You don't resent the fact that your boss controls your healthcare options? At least the cool thing about the ACA marketplace is the fact that you have choices and control.
Health insurance is largely a commodity. Cigna sucks in particular, but whatever. I can choose from PPO, HMO, HSA plans etc. Would I rather receive the full amount in pay and buy my own? Sure, I guess. The only difference is that my employer gets to write off their contribution to my coverage instead of me. My write off amount would increase instead of theirs.
"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat
KEN-JENNINGS
I am all that is MOD!
+2,861|5281|949

Jay wrote:

KEN-JENNINGS wrote:

note that he didn't opt for insurance under his old job, he had his wife's.

Choosing insurance plans is a fucking nightmare. But that's the way it's got to be! No point in trying to make it better, just work hard, hope you can continue to make enough to cover yourself/family, and hope no one has any tragic accidents along the way. Simple!
She worked for a larger corporation at the time, with more generous benefits. Her company benefits are in decline. I moved to a large, private, family owned firm with very generous benefits (flat 8% 401k contribution, 75% premium coverage, fair bonus structure etc).

It was pretty simple to compare her PPO plan with whatever PPO plan my employers' offered.
My clarification was for macb - he was asking about comparison from your old job vs. new job, but you mentioned you had insurance through your wife as opposed as through your previous employer.

comparing PPO to PPO is fairly simple. Understanding the difference and what needs are met between HMO, PPO across multiple insurance carriers is a nightmare for a lot of people. I can only imagine it gets tougher when dependents are added.

My work covers 85%. I choose the highest coverage+lowest out of pocket max/copy I can. I recognize a lot of people don't have that luxury, and a lot of people don't factor in benefits when looking at total compensation packages. Sure, I can say it's their fault for not knowing, but I also understand it shouldn't be that difficult.
Jay
Bork! Bork! Bork!
+2,002|4007|London, England

KEN-JENNINGS wrote:

Jay wrote:

KEN-JENNINGS wrote:

note that he didn't opt for insurance under his old job, he had his wife's.

Choosing insurance plans is a fucking nightmare. But that's the way it's got to be! No point in trying to make it better, just work hard, hope you can continue to make enough to cover yourself/family, and hope no one has any tragic accidents along the way. Simple!
She worked for a larger corporation at the time, with more generous benefits. Her company benefits are in decline. I moved to a large, private, family owned firm with very generous benefits (flat 8% 401k contribution, 75% premium coverage, fair bonus structure etc).

It was pretty simple to compare her PPO plan with whatever PPO plan my employers' offered.
My clarification was for macb - he was asking about comparison from your old job vs. new job, but you mentioned you had insurance through your wife as opposed as through your previous employer.

comparing PPO to PPO is fairly simple. Understanding the difference and what needs are met between HMO, PPO across multiple insurance carriers is a nightmare for a lot of people. I can only imagine it gets tougher when dependents are added.

My work covers 85%. I choose the highest coverage+lowest out of pocket max/copy I can. I recognize a lot of people don't have that luxury, and a lot of people don't factor in benefits when looking at total compensation packages. Sure, I can say it's their fault for not knowing, but I also understand it shouldn't be that difficult.
I mean, the same could be said with every financial product. Insurance isn't that difficult to understand once you get the basics. If you can do a household budget, you can understand insurance.
"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat
SuperJail Warden
Member
+350|2368
It's an unnecessary burden when their are workable alternatives.
Dilbert_X
The X stands for
+1,695|4755|eXtreme to the maX

Jay wrote:

I changed jobs and my premium this year will be $8,000.

Jay wrote:

I moved to a large, private, family owned firm with very generous benefits (flat 8% 401k contribution, 75% premium coverage, fair bonus structure etc).
Wait a minute, are you saying the total cost of your medical insurance is $32,000, with you paying $8,000 and your company paying $24,000?

My experience of medical professionals is they're fucking greedy.

"I became a doctor out of a selfless desire for the good of humanity, but my accountant says if I charge less than $500/hr I'm effectively paying you, so yeah sorry about that."
Epstein didn't kill himself
Jay
Bork! Bork! Bork!
+2,002|4007|London, England

Dilbert_X wrote:

Jay wrote:

I changed jobs and my premium this year will be $8,000.

Jay wrote:

I moved to a large, private, family owned firm with very generous benefits (flat 8% 401k contribution, 75% premium coverage, fair bonus structure etc).
Wait a minute, are you saying the total cost of your medical insurance is $32,000, with you paying $8,000 and your company paying $24,000?

My experience of medical professionals is they're fucking greedy.

"I became a doctor out of a selfless desire for the good of humanity, but my accountant says if I charge less than $500/hr I'm effectively paying you, so yeah sorry about that."
Covers a family of 4
"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat
Dilbert_X
The X stands for
+1,695|4755|eXtreme to the maX
So while you're paying $8,000 per head people here pay $2,000, or nothing.

That capitalist free market delivers much lower costs eh.
Epstein didn't kill himself
Jay
Bork! Bork! Bork!
+2,002|4007|London, England

Dilbert_X wrote:

So while you're paying $8,000 per head people here pay $2,000, or nothing.

That capitalist free market delivers much lower costs eh.
What's your income tax rate and vat?
"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat
Dilbert_X
The X stands for
+1,695|4755|eXtreme to the maX
We've done this all before, my total tax is lower than yours and my medical costs are also lower.

There was a neat little chart which I can't find, this will have to do.

https://upload.wikimedia.org/wikipedia/commons/thumb/0/0b/OECD_health_expenditure_per_capita_by_country.svg/600px-OECD_health_expenditure_per_capita_by_country.svg.png
Epstein didn't kill himself
Jay
Bork! Bork! Bork!
+2,002|4007|London, England
"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat
KEN-JENNINGS
I am all that is MOD!
+2,861|5281|949

dId YoU kNoW fReEEE hEaLtHcaRe iSn'T aCtuAlLY fREeeeee?
Dilbert_X
The X stands for
+1,695|4755|eXtreme to the maX

Jay wrote:

https://blog.nomadhealth.com/complete-list-of-average-doctor-salaries-by-specialty-locum-tenens/
Thats why you pay a fortune for medical insurance.

And what will yours rise to when you're old?
Mine will still be $2,000.
Epstein didn't kill himself
SuperJail Warden
Member
+350|2368
I remember lowing got into an argument with a Euro once and they compared taxes they pay. When you took state, county, and local taxes into consideration, their taxes are about the same.

So don't forget to look up your property taxes Dilbert.
Dilbert_X
The X stands for
+1,695|4755|eXtreme to the maX
Property taxes are about $2,000/yr, in a nice neighbourhood well away from jews.
I guess the Iranians and Iraqis keep them away.
Epstein didn't kill himself
SuperJail Warden
Member
+350|2368
$13,000 lower than jay as far as I remember.
uziq
Member
+286|2101
it's amazing that americans justify the insane state of their healthcare and tax system by fooling themselves that they're getting a better deal.

meanwhile we all live in socialist dystopias where tax is automatically deducted from your monthly salary, you never have to think twice about using any state service, and you don't have to fucking run the arithmetic and add the state/sales tax to a bar of chocolate before paying for it at the register.

i guess this is what oppression looks like /shrug
SuperJail Warden
Member
+350|2368
There was a lady in a Sanders ad shilling for his medicare for all. She was fucked up by a bear. She said the only thing she was thinking about while the bear was trying to eat her was "I hope my insurance will cover this" hahaha. It's actually a comical thing to worry about while in the middle of a bear attack.
Jay
Bork! Bork! Bork!
+2,002|4007|London, England
I never said I was getting a better deal. I said that what the Democrats were proposing did nothing to lower costs or improve quality. I know I'm overpaying.
"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat
uziq
Member
+286|2101
how much did america spend in afghanistan in total? all that money to put a few more moon craters in their mountains and immiserate a few goat herders. oh and to build a giant ring road that nobody ever uses and that won't be maintained. you achieved net zilch there. OBL could have been caught for about the cost of a few phone spooks and buying his compound courier a happy meal as a bribe.

you could have bought every single citizen their own ambulance and told them to drive themselves to the shiny new hospital on the street corner for that sort of money.

Last edited by uziq (2020-03-05 17:08:35)

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