Posted by Buzzman72 on December 13, 2008 at 10:31:49 from (74.129.220.44):
In Reply to: Re: Auto -help posted by M Moline fan on December 13, 2008 at 09:57:51:
Let me tell you all about health insurance. My wife has "pre-existing conditions," including diabetes and a history of heart problems.
When the plant where I worked at closed in 2005, I qualified for just under $400 a week in unemployment benefits...before taxes. Indiana withholds 10% for income taxes on unemployment. So figuring your average 4.3-week month, that figures just over $1500 a month after taxes.
But insurance--whether COBRA coverage or a private plan, because I priced both--would cost me $1200 a month. That leaves about $300 a month for mortgage, utilities, food, clothing, and medical expenses for copays and prescriptions [like insulin] before the deductibles are met. And at that rate of unemployment, I didn't qualify for food stamps or Medicaid or any other assistance.
So I went uninsured while I went back to school. After I graduated, I got a job that offered insurance. But I found out that, since I hadn't had insurance prior to this, I had a 1-year "waiting period" --while the insurance company still collecte premiums--before any of my wife's "pre-existing conditions" were covered.
So, effectively, for a year I got to pay the insurance company for NO coverage. At the "family plan" rate, that was $3,702 for a year of NOTHING. If my wife would've had another heart attack, since her history shows prior heart problems, that $3,702 would've paid NOTHING. Anything short of an auto accident or a broken bone would've been considered a "pre-existing condition," in the eyes of the in surance company.
So pardon me if I show little sympathy toward insurance companies.
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