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  #31  
Old 06-09-2014, 01:11 AM
RoyalTree RoyalTree is offline
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Stealing is when you join an Indian tribe in order to be exempt but go to the emergency room to get treatment for your ailment and the rest of us foot the bill.

Is it perfect? Heck no. Hopefully they will keep working on it to make it better for all.

For everyone claiming that they will just pay cash if they need it, bs. I have had medical bills top 275k within 6 months.

We are not required to offer healthcare to our employees due to our size but we offer plans with the company paying up to half the premium in some cases to all our guys and their families.
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  #32  
Old 06-09-2014, 07:51 AM
larryinalabama larryinalabama is online now
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Originally Posted by Kelly's Landscaping View Post
Well then you need to look back to Clinton in 1993 he signed into law that medicaid can seize your assets when you die. The reason thats important is millions of people who accepted Financial assistance ended up in the expanded medicaid program. So they thought they were protecting their assets nothing could be further from the truth.

Don't take my word for it do the research if your capable of such things and your see what I am talking about a lot of people who are not that well off are going to be hurt from this bill when they come for their assets and homes later.
If your went on Medicaid and your 30, its doubtful you would have very many assets if any. To get the government to pay for perminate nursing home care, your assets cant exceed 1000$. Its a horrible program, I agree.
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  #33  
Old 06-09-2014, 08:55 AM
whiffyspark whiffyspark is offline
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Originally Posted by larryinalabama View Post
If your went on Medicaid and your 30, its doubtful you would have very many assets if any. To get the government to pay for perminate nursing home care, your assets cant exceed 1000$. Its a horrible program, I agree.
Same for social security. My kid has disability and he cannot exceed $1000 in his bank account.
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  #34  
Old 06-09-2014, 08:57 AM
whiffyspark whiffyspark is offline
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Originally Posted by RoyalTree View Post
Stealing is when you join an Indian tribe in order to be exempt but go to the emergency room to get treatment for your ailment and the rest of us foot the bill.

Is it perfect? Heck no. Hopefully they will keep working on it to make it better for all.

For everyone claiming that they will just pay cash if they need it, bs. I have had medical bills top 275k within 6 months.

We are not required to offer healthcare to our employees due to our size but we offer plans with the company paying up to half the premium in some cases to all our guys and their families.
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I just had rabies treatment. First shot was $13k. Then $800-900 each time for 4 more shots

It was within two weeks as well. That's the problem with healthcare. Who has money laying around for stuff like that.

That said my kids bill was close to a half million being in nic for 105 says
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  #35  
Old 06-09-2014, 02:33 PM
hackitdown hackitdown is offline
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Originally Posted by Kelly's Landscaping View Post
Well then you need to look back to Clinton in 1993 he signed into law that medicaid can seize your assets when you die. The reason thats important is millions of people who accepted Financial assistance ended up in the expanded medicaid program. So they thought they were protecting their assets nothing could be further from the truth.

Don't take my word for it do the research if your capable of such things and your see what I am talking about a lot of people who are not that well off are going to be hurt from this bill when they come for their assets and homes later.
Medicaid doesn't take your assets. If you have no insurance, and you are poor enough to be on Medicaid, they pay your medical bills.

People that get medical care are required to pay their medical bills. If you have assets like equity in a house, you will be forced to pay by liquidating your assets. You sell the house to pay. In other words, pay for what you bought. The taxpayers (Medicaid) won't pay your medical bills if you have the assets to pay your bills.

This typically comes into play when an elderly person is sent to a nursing home. Grandpa has no money, but he owns a home. The kids would like to inherit that home. Grandpa is on Medicare, but it is Medicaid that pays for nursing homes. The nursing home applies for Medicaid for Grandpa, but it is rejected since Grandpa has a $250K house sitting empty. But those bills are $8K per month, so the family is forced to sell and burn the $250K on the nursing home.

It happened to my wife's grandparents not too long ago.
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  #36  
Old 06-09-2014, 03:02 PM
32vld 32vld is offline
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Originally Posted by hackitdown View Post
Medicaid doesn't take your assets. If you have no insurance, and you are poor enough to be on Medicaid, they pay your medical bills.

People that get medical care are required to pay their medical bills. If you have assets like equity in a house, you will be forced to pay by liquidating your assets. You sell the house to pay. In other words, pay for what you bought. The taxpayers (Medicaid) won't pay your medical bills if you have the assets to pay your bills.

This typically comes into play when an elderly person is sent to a nursing home. Grandpa has no money, but he owns a home. The kids would like to inherit that home. Grandpa is on Medicare, but it is Medicaid that pays for nursing homes. The nursing home applies for Medicaid for Grandpa, but it is rejected since Grandpa has a $250K house sitting empty. But those bills are $8K per month, so the family is forced to sell and burn the $250K on the nursing home.

It happened to my wife's grandparents not too long ago.
This is why assets must be taken out of the parents names when they hit somewhere from 60 to 65. Estate planning is needed to protect that home being taken over by the government.
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  #37  
Old 06-09-2014, 03:46 PM
hackitdown hackitdown is offline
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Originally Posted by 32vld View Post
This is why assets must be taken out of the parents names when they hit somewhere from 60 to 65. Estate planning is needed to protect that home being taken over by the government.
That is really the only approach. I guess some people buy long term care insurance.

My father has all his assets in a trust of some sort. Not a lot of wealth, but he is guarding it. In a way, he is set up to be a freeloader. He has some assets, but has arraigned his finances so that Medicaid (us taxpayers) will pay if he needs a nursing home.
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  #38  
Old 06-09-2014, 08:59 PM
recycledsole recycledsole is online now
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Originally Posted by larryinalabama View Post
How is that stealing?


Insurance is too protect your assets.
It should not be mandatory. I should have a choice, like I did all my life until this year. Just another way for the government to steal more money from me. Arent i making enough money working hard everyday so tons of them can be imcompetent? ANY time i have to deal with the government it is a complete joke. I appreciate the roads i drive on, cops, parks, and the like, but there is a ton of waste/ stealing. If the government stopped wasting my money on bogus reasons and just for the necessity, I could pay 50%-90% less. Instead its going to all kinds of terrible or corrupt things. Just ONE example, remember when the economy collapsed and the taxpayers BAILED out the banks? How the banks were bankrupt, tons of people lost their jobs. WHY did the CEO of a large bank get a $100 MILLION DOLLAR BONUS?!?!? My taxes went to that kind of corruption. There are all sorts of terrorist (real terrorists) and criminals in the government. I am all for helping people and contributing to society for the benefit of others. The objection I have is its not always going to good things, even when it does its terribly inefficient.



Whiffyspark- how did a rabies shot cost you $14k????????
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Last edited by recycledsole; 06-09-2014 at 09:04 PM.
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  #39  
Old 06-09-2014, 09:11 PM
whiffyspark whiffyspark is offline
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Cost of medicine.

First shot was 12.5k plus another $800 shot plus hospital visit

Then subsequent shots.

I have Cigna, but if the medicine and care was prices REASONABLY we wouldn't need it
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  #40  
Old 06-09-2014, 10:06 PM
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Kelly's Landscaping Kelly's Landscaping is offline
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Originally Posted by whiffyspark View Post

I have Cigna, but if the medicine and care was prices REASONABLY we wouldn't need it
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You are right about that if it was reasonable people wouldn't need insurance. But the catch 22 to that is if there wasn't insurance it would be reasonable.

When you manipulate the market at first you hardly notice but eventually it grows into an unrecognizable disaster which is then deemed to important and to big to mess with and so the adjustments continue.

As bad as rabies shots cost it could of been about 10 times worse. Check out what it costs for snake bite victims sometime those prices are just plain rude.
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