So you pay about $200 a month?
John
On Apr 21, 2023 11:03, Paul Nelson <nelsonp@xxxxxxxxxxxxx> wrote:
<< I am a citizen of and covered by Washington State insurance
BCBS/Regents because it covers pre-existing and my insulin.>>
I'm guessing that you pay 3 times what I pay to BCBS of Texas.
-----Original Message-----
From: Consult400 <consult400-bounces@xxxxxxxxxxxxxxxxxx> On Behalf Of
Pgmr
Sent: Friday, April 21, 2023 8:29 AM
To: 'Consulting on the IBM i (AS/400 and iSeries)'
<consult400@xxxxxxxxxxxxxxxxxx>
Subject: Re: [Consult400] Insurance options for 1099 gigs
No. Not an AMEN.
It's apples and rocks and it's a scam.
In fact, truth be told, Oregon and the ACA do not allow exclusions for
pre-existing conditions. Texas does and every major insurance company
policy outside of the ACA exclude pre-existing as well as deductibles
and no coverage for things the ACA and Oregon require. Oregon also caps
co-pays for Insulin at $75, but only for those covered by insurance.
Texas caps insulin costs at $25 per 31 days supply but only if you are a
RETIRED TEACHER covered under TRS-Active care. So, if you want to put in
20 years teaching and then retire, you can get affordable insulin.
Thanks to an idiot, most major insulin manufacturers are having to cap
prices for those not covered.
Stop saying this is the best country on the planet and we are better
than every other country when 43 other countries have figured out how to
ACTUALLY do national healthcare and we can't (or refuse to cap greed).
Those countries include:
Albania, Algeria, Argentina, Australia, Austria, Bahrain, Belgium,
Bhutan, Botswana, Brazil, Brunei, Canada, China, Costa Rica, Croatia,
Cuba, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hong
Kong, Iceland, Israel, Italy, Japan, Kuwait, Luxembourg, Macau,
Malaysia, Maldives, Mauritius, Morocco, New Zealand, Norway, Portugal,
Saudi Arabia, Serbia, Seychelles, Singapore, Slovenia, South Korea,
Spain, Sri Lanka, Sweden, Switzerland, Thailand, The Netherlands, The
Philippines, Trinidad and Tobago, Turkey, United Arab Emirates and
theUnited Kingdom.
I've had healthcare in 5 of these countries, so save the "Ours is
superior" speech. It isn't. But good luck with your complaints about how
terrible the search for life saving affordable healthcare is in this
country. Talk about any of this with people from other countries with
national healthcare and you get the dumb dog head turn.
PS: I am a citizen of and covered by Washington State insurance
BCBS/Regents because it covers pre-existing and my insulin.
Go figure.
-----Original Message-----
From: Consult400 <consult400-bounces@xxxxxxxxxxxxxxxxxx> On Behalf Of
Rob Berendt
Sent: Friday, April 21, 2023 10:56 AM
To: Consulting on the IBM i (AS/400 and iSeries)
<consult400@xxxxxxxxxxxxxxxxxx>
Subject: Re: [Consult400] Insurance options for 1099 gigs
Paul, I thought one of the big things a recent past president was
pushing for was the ability for a company to sell insurance across state
lines.
Be a real shame if your Texas company denied your claim since you moved.
On Fri, Apr 21, 2023 at 10:12 AM Paul Nelson <nelsonp@xxxxxxxxxxxxx>
wrote:
> << Just shows one way how government makes so little sense.>>
>
> Can I get an AMEN?
>
> One thing I discovered when we moved to Oregon 4 years ago - There is
> a branch of Blue Cross here called Regence. Since I was covered by
> Blue Cross of Texas for supplemental, I figured it would be easy to
> switch to the local yokels. When I called them, however, they quoted
> me a monthly rate 3 times what I was paying in Texas. When I asked how
> they could get away with that, I was told, "Because the state lets
> us". Needless to say, I am still covered by Blue Cross of Texas.
> Remember the Alamo!
>
> -----Original Message-----
> From: Consult400 <consult400-bounces@xxxxxxxxxxxxxxxxxx> On Behalf Of
> Larry "DrFranken" Bolhuis
> Sent: Thursday, April 20, 2023 8:14 PM
> To: Consulting on the IBM i (AS/400 and iSeries)
> <consult400@xxxxxxxxxxxxxxxxxx>; Dan <dan27649@xxxxxxxxx>
> Subject: Re: [Consult400] Insurance options for 1099 gigs
>
> Another of the oddities of Obamacare was that it made it much harder
> for people to get together to get group insurance. His successor did
> issue some presidential directive/decree/whatever that made that
> easier. My wife's employer jumped on that and formed an insurance
> group that was specifically targeted at tiny companies including
> independent contractors. The actual insurance was blue cross and
> included dental and optical options. As a large group, costs were
> about 1/3 what the ACA could provide. It took off and in just a few
> months they had thousands of small companies signed.
> Insurance companies in all 49 other states inquired about how to do
> this, and the bosses agreed to form a consulting company to teach and
assist.
> Sadly a judge stepped in less than a year later and said: "Oh No, you
> can't have people who do different things in the same insurance pool!
> That's illegal per the ACA!" and shut down the entire thing after just
one year.
> Thing is though consider General Motors. At one point in the past a GM
> President
> said: "I'm not so much administering a car company but an insurance
> plan that happens to make cars." Then consider that across the entire
> GM enterprise there are people that do thousands of different jobs
> from simple paperwork to heavy welding, hauling, stamping, etc. Likely
> they have as wide a range of jobs as the aforementioned group had. BUT
> since they are 'one company' they are allowed to put all those folks
> in the same policy. Just shows one way how government makes so little
> sense.
> - DrF
>
> On 4/20/2023 6:16 PM, Dan wrote:
> > (I suppose this could include W2 contract gigs that don't offer
> > group
> > insurance.)
> >
> > I'm open to considering 1099 gigs, but the thing that always
> > concerns me about the hourly rate is knowing how much I need to
> > build into my rate for health and disability insurance. Thanks to
> > ObamaNoCare, my options for catastrophic coverage were eliminated.
> > I've been out of the 1099 space for several years now. Are there
> > groups available one can join to get a group rate? Many moons ago,
> > someone mentioned to me that a local chamber of commerce might have
> > such a group. I looked at our local C.o.C.'s website, but it didn't
> > mention anything about group
> coverage.
> >
> > - Dan
>
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