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Why do Democrats find universal healthcare appealing?
I had really good insurance once.Specifically I was working for a new company after leaving a government contractor position. I was paying through the nose for COBRA (mandatory, employee fully paid +a small administrative fee continued medical coverage) on an excellent plan. The cost was north of $400 a month for a 25 year old with no chronic or currently treated conditions.I was a good boy. I paid all my premiums and didn’t cheap out.Then my appendix ruptured and I ended up at the wrong hospital. Out of network. I’d have died had I tried to get to a more distant one or call in for approval.When I left the hospital a month later I had lost 18 pounds of muscle and racked up a $340,000+ bill.My insurance company stiffed me.Rejected.Rejected.Rejected.Rejected.Then• No answer.I was fired from the only job I have ever been fired from in 20 years in the workforce because I freaked out and my work product slipped. My previously near perfect credit rating was getting battered by the hospital.A deadline was approaching. The Republican “bankruptcy reform” that made it more difficult to discharge debt. I pushed the button on bankruptcy to escape that 1/3 of a million dollar debt less than 30 days before the reform.I had precisely $1 in my bank account for every $1000 I owed and no job when I filed for bankruptcy. I gave most of it to the Bankruptcy Lawyer and bought myself a Super Sized Value Meal at McDonald's with the last $10 to celebrate. Then I moved back in with my parents for 3 days. Then I shipped out to do emergency work in Hurricane Katrina.I had 1 life until that day. It was an awesome life. I live a new life now. My credit never recovered, My student loans are in default beyond my ability to ever fix even though I have been square with everyone else since.I did everything right. Yet the medical insurance system ruined my first life.This is my life now.I am 38. Unless I win the lottery or legislation/SSDI approval fixes my student loans I will die in “debt.” I am unqualified for a security clearance that I once had and relied on because my insurance companies (Blue Shield/Aetna) screwed me.Then the Insurance Companies made me screw the hospital that saved my life out of that same $340,000. I had never welched on a debt before. I have not done so since.Now I have the VA. Now I need the VA. Thank God for the VA. I have 3 notches I cut into the top of my VA card, Each represents a time I would have died if the VA had not saved my poor ass.The VA is single payer (mostly.) It is crap sometimes, but it beats the alternative.Yeah. I know I posted the same picture twice. Maybe we should look into caring for everyone as I am now cared for.
In what ways does Bernie Sanders appeal to conservative voters?
Here's my story.  When the financial collapse occurred in October 2022. I was a proud Texas Republican and had been through my adult life.  I fully supported George W in both elections and pretty much most of his administration decisions except maybe the Iraq invasion.A little more than a year after the financial collapse began, the effects hit me really hard.  I lost my company and my high-six-figure job.  I couldn't find work ANYWHERE.  For over a year I looked for work and no one was hiring executives.  And no one was hiring mid-50's engineers.  And the bills kept coming in.I lost my retirement savings -- ALL of it.  I used up all of my personal savings.  People weren't buying homes so I eventually lost my home and my car.  Still there was no work to be found for someone with my skill set at my age.  I finally got an offer to move to Germany to work for a previous Danish colleague who offered me a moderate five-figure-income, so I took the job.  He talked to me on a Monday and I was on the plane that Thursday.  My family came over to Germany (the company paid their expenses, too) and we moved into a one-bedroom flat in a house rented by a large family of Albanian gypsies -- undocumented immigrants.  A little while after moving to Germany, my wife decided she wasn't going to find her dream sticking with me, so she left us in Germany.  When she got back to the States, she filed for divorce.  I lost her, too, but I still had my three kids.As I struggled through this incredibly difficult time, the banks that caused this death-spiral of mine all got big government bailouts.  Those bailouts didn't replace my retirement savings.  They certainly didn't forgive my mortgage or my car loan -- all I got was a colossally reduced credit score, the lowest score I've ever heard of.  The bailouts didn't help ANYONE who took a beating the way I did. But those bailouts DID help out the bank CEOs.  They got enormous bonuses from all that taxpayer money.Meanwhile, I lived in Germany for three years before I was finally hired back in the States.  During that time I saw how Germany's national healthcare works.  I saw how free college tuition works.  I saw how unemployment security and public pensions and paid sick leave and many of the programs Bernie talks about work under well-regulated capitalism.Well, you know what?  My views changed completely.  Winner-takes-it-all capitalism nearly destroyed the world.  It's a total failure as it creates too many losers.  It's time we change to a system that prevents people from falling into bankruptcy when they have unexpected hospital expenses.We need Bernie Sanders.__________________________Update 8/26/2015I was asked to finish the story.  So here goes.  The only part of this that relates to the original question is at the end.The entire time I was in Germany I worked desperately to find a job back in the US.  After I had been over there for 18 months, the company that brought me to Germany was bought by a French company and reorganized and I was laid off (again, goddamit!) along with my former colleague who hired me, and 750 other people.  Again I couldn't find work, but this time it was because I didn't have the German language skills to fill any of the many suitable opportunities I found.  That was enormously frustrating.Fortunately, Germany's unemployment insurance guaranteed me a monthly salary equivalent to about half of my previous salary, so we weren't going to starve.  My landlord is one of the kindest people I've ever known, and he allowed us to continue living in our one-bedroom flat while deferring the rent until I was able to find a job.  (After I moved back to the US last year, I paid him back completely.)I remained on unemployment for a year, but I worked 10 hours a day seven days a week to find employment ANYWHERE.  The kids were struggling with school so I was focused mainly on coming back to the States, but I would have taken a job in Zimbabwe if I'd had to.What saved us during this year of unemployment was...1) public transportation!!!  This was a HUGE benefit since I couldn't afford a car.2) two of my kids were in public high school, which was free to us.  My third child had just started college and that was free, too!!!  Awesome!  And all three of my kids worked part-time, which helped a lot.3) all of our medical expenses were paid for by our health insurance.  We had no co-payment and over-the-counter drugs are very cheap there compared to prices in the US.4) of course, my income from the state (unemployment).  Even as an immigrant (a legal one), I was able to receive unemployment benefits equal to half my previous salary.5) the incredible kindness of my landlord for deferring my rent until I found a job!!!6) the enormous generosity and patience of the German people toward Americans.  I'm grateful for that as it helped me any time I had to deal with the bureaucracy. I never felt like I was unwelcome even though I was unemployed.7) last but not least, a very very very kind German woman who spoke English fluently who helped me understand how all of the government systems worked, she took care of my mail (which was always in German) and accompanied me to meetings with the government finance and employment offices.One day I noticed that my left arm and hand were numb.  It scared the hell out of me!  I was like, "NO NO NO NO NOT NOW!!!"  I went immediately to the doctor who ordered an MRI.  The results showed it was only a pinched nerve.  WHEW!  He sent me to a physical therapy clinic (again, none of this cost me anything out of pocket).There were only two therapists on staff who spoke English, so I was assigned to one of them.  Her English was understandable, but very broken.  After 12 sessions, my arm was better (and so was her English!) and I asked her out.  We met for coffee.Then we met for dinner.  Then we met for lots of other occasions before we acknowledged we were actually dating.About six months after she and I started dating, I got a call from a recruiter in the US.  The job she discussed with me was perfect, Vice President of Engineering for a renewable energy company.  I busted over backward and every other way to make a good impression.  After about six weeks of Skype interviews, I was told by the company that they decided to put the position on hold for a few months while they sorted out their strategic plan.  I panicked.  So I wrote a letter to the CEO and told him I was perfect for the position and that he couldn't afford to not hire me.  He scheduled a phone call with me and we discussed options and he decided to bring me over to the States for an in-person interview.  They hired me and we moved back to the States in just a couple of weeks.When we got back to the states, I was pretty much broke.  My two boys went to a different state to stay with their mom.  My daughter stayed with me.  The two of us stayed in a cheap motel until I could find a place to rent -- I knew that buying a house will never happen again in my life.The first apartment I found opened my eyes a lot.  The first thing the apartment management company wanted from me was a credit report.  I suspected that my credit took a hit, but I didn't know what would be on my report.  I gave them the information to run the report and I got a letter telling me I was denied.  They included a copy of the first page of the report and my credit score was the lowest number I had ever seen.Prior to the financial collapse, my score was always in the high 700's.  I could walk into a bank and get an unsecured loan on just a signature.  Now, I couldn't rent an apartment.  Another panic attack -- I didn't want to share a room with my daughter in a cheap motel for the long-term.  Furthermore, I had to get her into school, and the school needed proof of a real address to prove which school district she should go to.Thanks to craigslist, I found a place to rent from an actual owner instead of a management company.  I talked the owner into taking a deposit and not running a credit history.  We got the rental and moved right in.My German girlfriend came over for a visit a few months after we settled in.  Her intention was to stay for three months -- the maximum that US Dept of Homeland Security allows.  During the time she was visiting, I asked her to stay and become my wife.  She said yes.  We got married by a justice of the peace on Christmas Eve last year.  She's still waiting to become a legal immigrant as her visa is long expired.  (Isn't that just absurd?!!)What did I learn from all of this?1. the system of capitalism in the US is a system that creates winners and losers.  I had been a winner.  The very moment I became a loser through no fault of my own, the system did NOTHING to help.  In spite of paying more than $125k in federal income tax each year, once I became a loser I had absolutely NO support from anyone.  This is what worries me about Donald Trump and Rand Paul: the attitude that if you become a loser then you deserve to be homeless.2. I was really really really lucky that I was able to pull myself out of the deep hole I was in.  But I could NOT have done it without help from others, including the government.  I could NOT have done it without unemployment insurance, without health insurance, without government services.  Even just little things like nearly free public transportation for the unemployed which was a government service that made it possible for me to get back on my feet.  I think Republicans are scared to death that someone might get some taxpayer support and sit on his ass.  While that might be true for a few, the majority who receive support are more likely to go back to work because of that support and will pay more in future taxes than they took from the system.  It's a net gain for the taxpayers.3. No matter how much you want to work, no matter how flexible you are willing to be, you sometimes CANNOT FIND WORK.  PERIOD.  Especially, I believe, when you're over 50.  Being unemployed sucks and no level of desire to work or self-determination is going to create a job for you.  And you may be unemployed for a very long time!Republicans are COMPLETELY WRONG ABOUT THIS.  It is NOT TRUE that the majority of people who are unemployed are choosing to be unemployed because of entitlements.  That's complete bullshit.4. It's an embarrassment that the US doesn't have a national healthcare guarantee for every citizen.  There is just NO REASON to not have guaranteed health insurance.5. The European system of Democratic Socialism works and it works well.  It has some problems, for sure.  But it is far far far far far better than our "winner takes it all" system that creates winners and losers and throws the losers to the curb.__________________________Another update:  Thanks for everyone's kind words.  I've gotten quite a few private messages from people asking if they can share this story on Facebook or elsewhere.  Please feel welcome to do so.__________________________Update 9/6/2015The saga continues...damn this makes me angry!While I have to admit that I'm back into a well-paying job, me and my family have a long way to go before we're going to get out of the hole we found ourselves in.  A new job isn't a magic wand that instantly makes all the financial monsters simply vanish.  I have debt to repay, I have a credit score to rebuild, I can't possibly buy a home yet or borrow money for a car -- I'm driving a 2022 beater that I paid $1800 cash for.  And my son is ready to start college.  College Tuition!  Another financial monster to face.I'm not going to have the available cash to pay for college tuition for a number of years down the road.  And I'll only have that if I forego saving for my own retirement.  So, to cut costs and still try to make things work, my son and I agreed he should start by working part-time and going to college part-time.  And since he doesn't yet qualify for in-state tuition, he should take just a couple of classes at the local community college for now.  He can transfer to the state university later after he qualifies for in-state tuition.  And maybe by then I'd be in a better position to help.  That sounded like a plan that would get him started down the road.So he tried to register for two classes.  We thought we might be able to swing two classes.  The tuition came to $3500!  This is a Community College!  Paid for by Taxpayers!  SHIT!  There's no way I could pay $3500 for this semester and very likely another $3500 next semester.My son applied for financial aid through the school.  We just got notified that he is awarded a grand total of $1000 in financial aid!  My salary is too high.  CAN YOU FREEKING BELIEVE THAT?@?*!  My salary is too high!??????  And since I can't co-sign for a student loan because of my credit rating, there is simply no way he can start school.  He's done.  He'll work full-time now and who knows...maybe someday he'll get to go to college.Come on Bernie Sanders.  Let's get you elected.  The elitist status-quo of US politics isn't going to work for America.
How much time and money does it take for a new startup (50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?
I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a significant health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.
How expensive is health insurance in Texas?
Try this site where you can compare quotes://INSUREFOREVERYBODY.INFO/index.html?src=compare//RELATEDDo motorbike insurance count towards my no claims?i have 2 years no claims on my car insurance and am looking to geta motorbike. will my motorbike insurance go towards my no claims in totalCar insurance help !!?well you know how if your paying for your car monthly the insurance is more money because the car isnt fully paid for yet, well is there any insurance companies that don’t make …show more”Is it too risky to be a homemaker even if spouse has good life insurance?.?We both agree that I should be with kids but I’m worried about financial risks.“Does anyone know the best car insurance companies for young people, in the UK?”When I state best I mean cheapest for a young person. I’m twenty-one in a few months and looking to drive soon but insurance is steep, I found some good companies but just curious to know if there’s a specific good one. Any suggestions?”Do i still pay the monthly payment (car insurance) after a accident?I got into an accident on 12/ 15. since then i havnt drove my car bc its not fix or its just waiting for it to be junked. and my monthly payment goes out on about the last week of each month. (my payment goes electronically from my bank ) so on 12/29 they took the monthly payment of december. and then in jan 28, it took another payment even though i wasnt driving the car. my insurance expires this coming march. so do i continue to pay till march even though the car is not used?”Which is the most inexpensive car insurance in california? please give me 2 or 3 names. cheapest car insurance?Which is the most inexpensive car insurance in california? please give me 2 or 3 names. cheapest car insurance?Where can I buy health insurance and do you recommend Kaiser?I need it bad. Could you please pra link where I can sign up online?Do you have to get car insurance?I live in England, i am not getting an car yet. I don’t want to pay a lot of money & i am in my teens and i heard it is quite a bit of money for insurance, so i don’t want to …show more”How expensive is taxi insurance?I am thinking of running a taxi for the first time. How much more expensive is it to insure a taxi than a family car. I have full no claims bonus and a standard 5 seater car. I pay about 400 for a peugeot 406 as my family carAnyone want to give me a rough eon this car insurance quote?My friend drives a ’98 Mercury right now. She’s been into four accidents (three of them were caused by her), is one point away from getting her license taken away, and got a DUI last summer. Consequently, when she got her car back, she tried to get it insured only to find out her insurance premium for NO FAULT is almost a thousand a month. That’s for a standard insurance company. She went to a small rinky-dink company for a lower quote and got a lower quote but I’m not quite sure what that quote was. Since she can’t afford to pay that much in insurance, she (stupidly) has decided to get fake insurance proofs that she thinks will get passed secretary of state so she can renew her tags. I told her she needs to have real insurance or she could get into lots of trouble (not to mention end up owing tens of thousands of dollars if she crashes). She didn’t listen to my advice and went with the fake insurance proofs which did NOT get passed secretary of state, her new plan is to pay for one months insurance and then stop paying for the next few years until her insurance goes down. She told me the other day that she wants to buy a BMW by the time she’s 22. That means in one and a half years. Not only will her insurance still be high, but it will probably be even higher since she will have gone two years without it. So, considering the facts I’ve given you and that she has to pay almost a grand a month for no fault on an older Mercury, how much more do you think she will be paying for FULL coverage on a BMW?”
Do the HIPAA laws prohibit Health Insurance companies from allowing members to fill out and submit medical claim forms on line?
No, nothing in HIPAA precludes collecting the claim information online.However, the information needs to be protected at rest as well as in-flight. This is typically done by encrypting the connection (HTTPS) as well the storage media
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