Pick-me women / #NotLikeTheOtherGirls General

[Shidoen]

It’s pretty easy to deal with American healthcare once you recognize it’s literally just then making up numbers and you have to really push to get a fair and cheap price.

 

[PyroJohn]

Pretty sure she's a boomer who can't accept how bad things have gotten, very "Why don't you eat less avocado toast so you can buy a house?" vibes.

ok but people do really buy expensive avocado toast

 

[Blackhole]

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ok but people do really buy expensive avocado toast

Taylor Lorenz is not a person, they are a lizard creature LARPing as a journalist. Important distinction.

 

[Friend of Dorothy Parker]

Have you done this yourself? Are you familiar with the premium costs and typical level of coverage?

Yes.

they canceled my plan the very. next. day. And I was a W-2 employed person at that time. They canceled our whole office’s plan.

I'm interested in the specifics of how the government canceled your private company's health insurance. And how that specific situation impacts you 14 years later.

And generally, I pulled some random info of options for people making 20, 50, 80, 100k. I chose those amounts, as sub-100k is more likely not to be insured. But at the links, you can search your situation.

I never said healthcare insurance is cheap. I said that in the context of being uninsured and pregnant, scraping up premiums is far better than paying out of pocket.

 

[Stan]

Oof, neither you nor husband was working for 18 months?

He’s self-employed, I got re-hired but the position does not offer health benefits. Worth it anyway since it meant I could finally stop commuting 5 days a week into South End.

Work does not equal healthcare coverage anymore, luv (@Friend of Dorothy Parker). And don’t even try being self employed. “Oh just go Marketplace!” Have you done this yourself? Are you familiar with the premium costs and typical level of coverage?

I, as a filthy burger WITH coverage, paid nearly 20% of my total income to NOT use the coverage. Plus the co-pays are as much as you’d just pay if you ask for the cash rate.

The way you talk, you’ve not suffered from the ACA the way many of us have. For some, meaning poor people, it’s great!! They get free money! But try being an actually successful self employed person. or someone who makes decent money but their employer doesn’t offer coverage (or it’s cost prohibitive). I wish the world was as simple for everyone as it clearly is for you!

Sorry for the OT rant but I just finished prepping my tax documents and I feel strongly about this. I lost my coverage the very day after the ACA became a thing. “If you like your plan, you can keep it!” Lies and deceit, they canceled my plan the very. next. day. And I was a W-2 employed person at that time. They canceled our whole office’s plan.

I’ve gotten health coverage through the exchange twice three times and I didn’t think it was all that bad, but I stuck with COBRA because I was pregnant and I didn’t want to take my chances on L&D not being covered.

I have employee sponsored health coverage and every year it gets shittier and more expensive like fucking clockwork

Boomers cannot die fast enough

I don’t think capitalism distributes health care very fairly or well, but I guess it’s good if you’re sultan of Burundi and you get ass cancer, because you are paying cash for everything so you are treated right away and by the best.

 

[Dyn]

I don't understand why Americans have to get their health insurance from their job instead of just taking the money they get from that job and choosing it themselves, it's weird af for a capitalist society to make you arrange basic personal services through your employer and reminds me of how Soviets had to get assigned their commieblock rentals through their employers.

 

[Stan]

ok but people do really buy expensive avocado toast

avocado - $2
Bread- $3
Salt - 0

Saving $17 on avo toast, well I guess we know what that’s worth.

 

[Fareal]

Avocado toast tastes like shit

 

[The Feline Solution]

Aren't you married?

Sounds like the classical marriaged-man-in-his-40's to me

Not gonna tell you how to live your life but it really does sound like it's time to finish that count.

Her man is planning murder-suicide on the daily if her post is anything to go by on how he treats him. Too whipped to go through with it of course.

Maybe that's how it used to be before covid and Biden's presidency. I am friends with an American woman who was just told her pregnancy including birth would be $55,000 for a cesarian and $35,000 for a vaginal birth without insurance. Millions of Americans are in medical debt for a reason. This wasn't in some fancy LA hospital either but in bumfuck nowhere.

I heard $40k as an average quote. One of my best friends got his second child recently, he paid sub-100€ but only because he "splurged" on extra accomodations, private room and all and a day longer stay than what is covered by every insurance provider. Seeing yank health care bills will forever be mental for me. The only health care-related bills that are as much of a racket in yurop as they are in the US is anything dentistry. Shit's criminal.

Edit: Double post, please merge my shit @Trombonista

 

[Jhonson the Two]

Big feels for the americans. I mean each European countries has their own problems but dang the insurance system and the school debts are big OOF.

 

[Free the Pedos]

Maybe that's how it used to be before covid and Biden's presidency. I am friends with an American woman who was just told her pregnancy including birth would be $55,000 for a cesarian and $35,000 for a vaginal birth without insurance. Millions of Americans are in medical debt for a reason. This wasn't in some fancy LA hospital either but in bumfuck nowhere.

Genuinely trying to understand here: if you got pregnant, why wouldn’t you even buy an expensive marketplace plan in that situation? It would be a fraction of the cost of that sticker price.

 

[Friend of Dorothy Parker]

I don't understand why Americans have to get their health insurance from their job instead of just taking the money they get from that job and choosing it themselves, it's weird af for a capitalist society to make you arrange basic personal services through your employer and reminds me of how Soviets had to get assigned their commieblock rentals through their employers.

Since the individual healthcare insurance marketplace was created, you can. The ACA also set up subsidies for insurance premiums for people earning 100-400% of the Federal poverty level and expanded Medicaid to 138% of the poverty level (in states that opted to expand). For reference, FPL for a family of 4 is around $30k. For 1 it's a little under $15k, for 2 $19k, for 3 $24k. Pregnant women and people with children who have very low earnings typically qualify for CHIP, which usually has enhanced benefits beyond Medicaid programs.

Insurance sold on the Marketplace covers at least:

• 10 essential health benefits, including prescription drugs, emergency services, hospitalization, laboratory services, and mental health and substance use disorder services
• Free preventive health services at no cost to you when delivered by a doctor or provider in your plan's
  network
• Coverage for pre-existing conditions

What is covered beyond that depends on the plan. There are a range of coverages, premiums and deductibles, similar to the choices employers typically offer.

The benefit of employer-based insurance is that typically employers cover half (or so; their choice) of the premium costs. And if you have it and lose your job, for the most part employers must give you info for COBRA, which gives you the same coverage you had through your employer, except now you pay the full premium amount.

COBRA:

generally applies to all group health plans maintained by private-sector employers with 20 or more employees, or by state or local governments. The law does not apply to plans sponsored by the Federal Government or by churches and certain church-related organizations. In addition, many states have laws similar to COBRA, including those that apply to health insurers of employers with less than 20 employees (sometimes called mini-COBRA).

 

[New & Improved Username]

I don't understand why Americans have to get their health insurance from their job instead of just taking the money they get from that job and choosing it themselves, it's weird af for a capitalist society to make you arrange basic personal services through your employer and reminds me of how Soviets had to get assigned their commieblock rentals through their employers.

That's basically been made possible by Obamacare. Possible but not usually a better option.

 

[Lidl Drip]

Genuinely trying to understand here: if you got pregnant, why wouldn’t you even buy an expensive marketplace plan in that situation? It would be a fraction of the cost of that sticker price.

Don't really think it's appropriate to discuss the reasons for this on the Internet with strangers, she is trying to get insurance but it's difficult for them for several different reasons.

 

[Justa Grata Honoria]

It’s pretty easy to deal with American healthcare once you recognize it’s literally just then making up numbers and you have to really push to get a fair and cheap price.

Nigger i have complex pstd that need 3 medication, a therapist and regular doctor visits and occasional loony bin visit. I don't pay more than 300 dollars per year for therapy and doctors and another 200 for medication, and 0 for loony bin stay. Whatever you manage to negotiate is still crushing your budget and blows a hole in your budget. In USA i would be 3 k in the hole for therapist yearly only i dread to ask what my meds will cost .

Thats yearly savings for some

 

[Stan]

The benefit of employer-based insurance is that typically employers cover half (or so; their choice) of the premium costs. And if you have it and lose your job, for the most part employers must give you info for COBRA, which gives you the same coverage you had through your employer, except now you pay the full premium amount.

This was my situation a couple of times. First one was when I turned 26 and couldn't be covered on my dad's plan any longer. I went on the marketplace and found a decent plan (it covered the basics) for ~$330 per month.
Second time was when I moved to Mass, and I got the option of getting even cheaper health insurance on state subsidy. That reduced my cost to $180 and my coverage to what was called the "catastrophe plan". So for a little while I had the bare bones ACA required stuff and no more.
I got on employer insurance, and they generally paid more than half, but I worked for a hospital and the catch was that you pretty much had to get care in that hospital or a prior auth. to be covered. My last hospital employer actually offered that plan for free, but when I got laid off I took COBRA and was paying like $660 per week. It would have been twice that if I kept my spouse covered too. But being pregnant, I didn't want to risk switching plans, and my husband doesn't take medicines or anything, so he agreed I should just drop his coverage if it would be that costly. I looked into private non ACA insurance at that point, but the plans in my price range didn't cover prenatal or birth, which is probably the most expensive service I'm likely to need in the near term.
After Tilly was born we got her on Mass Health, so her health care is covered for the time being. My husband is still uninsured. My COBRA benefits sunset in November and I went back to the marketplace, so I'm back on a bare-bones plan for ~$380 per month. At least it covers contraception, labor, and delivery though.

The pre-insurance sticker price for my birth and 2 days in hospital after that was ~$7,000. The price variance is wild, seems like the hospital will charge whatever they think they can get away with for care.

ETA: I was paying $660 a month on COBRA, not per week. Typo.

 

[JambledUpWords]

 

[Free the Pedos]

Don't really think it's appropriate to discuss the reasons for this on the Internet with strangers, she is trying to get insurance but it's difficult for them for several different reasons.

We don't know her, dude.

 

[Android raptor]

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Sounds like she's financially privileged enough that she doesn't have to actually care for her kids and can just hire a nanny. Which is exactly what all the tradthots who are well-off do.

SAHMs who have to actually care for their kids have a much different perspective.

 

[Jhonson the Two]

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They're trying so hard it's not even funny. Somehow I pity them.