Jeez the US system is working as designed
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Lopin18




Posts: 3355
Location: US
PostPosted: Wed, 7th Sep 2022 00:19    Post subject: Jeez the US system is working as designed
This is fucking nuts, my wife is getting exploited at her work, so i told her CHANGE JOBS stop taking this shit, its wrecking you

"But we will lose the health insurance"
"What if we go for the kid, i wont have the childbirth something something"

Insurances have an enroll period, to make it more confusing, even tho i just read her changing jobs would be a life-changing event and i could get us insurnaces through my employeer.

This is convoluted, i cant imagine how many people wreck their lifes because of how shitty this mess is.
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PickupArtist




Posts: 9862

PostPosted: Wed, 7th Sep 2022 07:46    Post subject:
call the insurer directly or other insurers , this sounds like your a hostage, cant imagine this being the case Confused
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iconized




Posts: 4635
Location: Pays-Bas
PostPosted: Wed, 7th Sep 2022 09:53    Post subject:
Get some solid advice, if not sure. Tell us when it is Everything Went Better Than Expected time. Wink
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Yuri




Posts: 11000

PostPosted: Wed, 7th Sep 2022 12:13    Post subject:
Change your location, Lopin you lazy grill



1 and 2 are still amazing.
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Guy_Incognito




Posts: 3434

PostPosted: Wed, 7th Sep 2022 12:17    Post subject:
Move to Eurap
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Lopin18




Posts: 3355
Location: US
PostPosted: Wed, 7th Sep 2022 14:39    Post subject:
Fuck that i dont wanna pay full price with the insurer lol, if my wife changes job i qualify to enroll into insurance due to it being a "life changing event".

Its just how fucking nuts all this is, imagine some ignorant lazy fuck, they would be so scared they wouldnt quit just due to lack of info.

Mr. Green

Europe ew, Euro is worth 0.99, gtfo Very Happy Very Happy Very Happy Very Happy Very Happy
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Guy_Incognito




Posts: 3434

PostPosted: Wed, 7th Sep 2022 16:36    Post subject:
Well enjoy your capitalism then
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Lopin18




Posts: 3355
Location: US
PostPosted: Wed, 7th Sep 2022 16:51    Post subject:
No, wait,
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DXWarlock
VIP Member



Posts: 11422
Location: Florida, USA
PostPosted: Wed, 7th Sep 2022 16:54    Post subject:
PickupArtist wrote:
call the insurer directly or other insurers , this sounds like your a hostage, cant imagine this being the case Confused

Thats about the way it is. In US healthcare is heavily tied to where you work for the majority of people.
Since its so damn expensive your employer pays for some of it, and you the rest (they pay for some of it, because the insurance company offers them a bulk discount if they provide them as an option to employees and its required by law company of X size offers the option.)
If you change jobs, you lose whoever you had as a insurance provider, or at the best case can keep them but pay WAY more since you are paying it all. If you switch to what the new company has, there is a waiting period before you can use it. And there is a good chance all your doctors, hospitals, etc might be out of network now and you start over on finding new ones.
There is a few of my dads old friends I still talk to, that are still working into thier 70's and not retiring, because they need insurance and employer provided is the cheapest they can afford so they dont quit and retire.

Thats the US for you. Its so expensive that Insurance companies 'bribe' employers with discounts into using only them as an option (on an over inflated price they themselves created to be able to do it) since most workers cannot afford to pay the outrageous premiums if they go try to get it on thier own:
If we make the price high enough, people cannot afford it so we can go to employers and say "Hey will will knock 25% off this crazy price we made up, so we can guarantee that everyone that works for you is locked into using only us"

 Spoiler:
 


-We don't control what happens to us in life, but we control how we respond to what happens in life.
-Hard times create strong men, strong men create good times, good times create weak men, and weak men create hard times. -G. Michael Hopf

Disclaimer: Post made by me are of my own creation. A delusional mind relayed in text form.
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Iwasfaggotonce




Posts: 467

PostPosted: Wed, 7th Sep 2022 20:58    Post subject:
Guy_Incognito wrote:
Move to Eurap

Yeah, and stay cold. This winter is going to be nice in Europe with all the crazy energy prices kicking in and limited temperatures in public buildings (and/or homes in some states) Laughing

And enjoy crazy inflation all around EU.

Thanks midget-Putin.

But more like thanks money hungry EU system for sucking cheap dangerous Russian energy all this time, and not listening to East Europe's concerns.
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SpykeZ




Posts: 23710

PostPosted: Thu, 8th Sep 2022 02:42    Post subject:
DXWarlock wrote:
PickupArtist wrote:
call the insurer directly or other insurers , this sounds like your a hostage, cant imagine this being the case Confused

Thats about the way it is. In US healthcare is heavily tied to where you work for the majority of people.
Since its so damn expensive your employer pays for some of it, and you the rest (they pay for some of it, because the insurance company offers them a bulk discount if they provide them as an option to employees and its required by law company of X size offers the option.)
If you change jobs, you lose whoever you had as a insurance provider, or at the best case can keep them but pay WAY more since you are paying it all. If you switch to what the new company has, there is a waiting period before you can use it. And there is a good chance all your doctors, hospitals, etc might be out of network now and you start over on finding new ones.
There is a few of my dads old friends I still talk to, that are still working into thier 70's and not retiring, because they need insurance and employer provided is the cheapest they can afford so they dont quit and retire.

Thats the US for you. Its so expensive that Insurance companies 'bribe' employers with discounts into using only them as an option (on an over inflated price they themselves created to be able to do it) since most workers cannot afford to pay the outrageous premiums if they go try to get it on thier own:
If we make the price high enough, people cannot afford it so we can go to employers and say "Hey will will knock 25% off this crazy price we made up, so we can guarantee that everyone that works for you is locked into using only us"

 Spoiler:
 


Luckily my last 2 jobs, my employer has paid 100% of my insurance premiums. Last job was dogshit bad insurance though. My current insurance, all things considered (I do live in the US afterall) is some of the best I have ever seen.


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Yondaime
VIP Member



Posts: 11741

PostPosted: Thu, 8th Sep 2022 06:22    Post subject:
⁢⁢


Last edited by Yondaime on Mon, 2nd Dec 2024 15:28; edited 1 time in total
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Iwasfaggotonce




Posts: 467

PostPosted: Thu, 8th Sep 2022 09:13    Post subject:
91.4% of Americans have health insurance (https://sgp.fas.org/crs/misc/IF10830.pdf).

Few years old, but: https://news.gallup.com/poll/327686/americans-satisfaction-health-costs-new-high.aspx

I on the other hand can say free healthcare system in my EU country is not something to cheer for. Wait times are extremely long (can take 6 months for knee problem). Doctors are not often friendly with you, because they are overburnt and don't get paid nearly close enough to that of American counterparts (thanks to taxpayer funded system). Luckily i don't have to visit doctor often, but when i do i always choose the paid system. You get a appointment next day, the doctor is motivated to help you (his/her salary depends on it), and usually the quality is better. They don't kick you out within 15 minutes to give room for the next patient.

The problem is we have less and less taxpayers each year, and we get more older (and sick) people each year. The system can't take it like this much longer.
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couleur
[Moderator] Janitor



Posts: 14263

PostPosted: Thu, 8th Sep 2022 10:05    Post subject:
@Iwasfaggotonce Where do you live?


"Enlightenment is man's emergence from his self-imposed nonage. Nonage is the inability to use one's own understanding without another's guidance. This nonage is self-imposed if its cause lies not in lack of understanding but in indecision and lack of courage to use one's own mind without another's guidance. Dare to know! (Sapere aude.) "Have the courage to use your own understanding," is therefore the motto of the enlightenment."
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sanchin




Posts: 763
Location: Poland
PostPosted: Thu, 8th Sep 2022 11:10    Post subject:
Sounds like Poland Very Happy
Though, ONLY 6 months waiting seems too short for this country, so perhaps it's a different, slightly better one
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Yondaime
VIP Member



Posts: 11741

PostPosted: Thu, 8th Sep 2022 11:58    Post subject:
⁢⁢


Last edited by Yondaime on Mon, 2nd Dec 2024 15:28; edited 1 time in total
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Iwasfaggotonce




Posts: 467

PostPosted: Thu, 8th Sep 2022 12:21    Post subject:
I'm closer to Poland, but not exactly.

As for 8.6% there was a study when the individual mandate was removed under Trump admin, the biggest demographic who willingly quit their health insurance were people making over $75k a year. I guess they are younger people who earn a bit more than the average and think their health is top notch, they don't need ANY health insurance. Their choice. And i am also willing to bet a lot of illegal immigrants fall under this percentage, which should be logical. In my country illegals don't get free healthcare services either, they have to pay for it (but they get deported more faster when busted).

Over the years Americans are more content with their health insurance packages, which is an example that the system is working. These cases that the media picks up how someone with the cancer or some other disease not getting help and having to beg for donations, these examples will always stay. And hopefully they will be fewer and fewer as time goes on.

In my country there's 2-3 cases every year that the media is blasting all over the place where kids with rare diseases are left without any state funded healthcare, because these operations and procedures with experimental drugs cost hundreds of thousands of euros. And they are also left to donaters' hands. It sucks, but that's the reality. Publicly funded system doesn't have unlimited funds to treat all these rare and expensive situations.
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Yondaime
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Posts: 11741

PostPosted: Thu, 8th Sep 2022 12:43    Post subject:
⁢⁢


Last edited by Yondaime on Mon, 2nd Dec 2024 15:28; edited 1 time in total
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DXWarlock
VIP Member



Posts: 11422
Location: Florida, USA
PostPosted: Thu, 8th Sep 2022 17:07    Post subject:
Iwasfaggotonce wrote:
I guess they are younger people who earn a bit more than the average and think their health is top notch, they don't need ANY health insurance. Their choice. And i am also willing to bet a lot of illegal immigrants fall under this percentage, which should be logical. In my country illegals don't get free healthcare services either, they have to pay for it (but they get deported more faster when busted).

Or if you googled, the first result is the CDC breakdown so you dont have to guess (also illegal immigrants dont count. Since they are not part of the census that asks you, nor part of the documented workers and employer data it is aggregated from. I guess unless business are reporting health insurance coverage and employment status of employees they hired illegally under the table.)

https://www.cdc.gov/nchs/data/nhsr/nhsr169.pdf

In 2020, 31.6 million (9.7%) people of all ages were uninsured at the time of the interview (Table 1). This includes 31.2 million (11.5%) people under age 65. Among children, 3.7 million (5.0%) were uninsured, and among working- age adults, 27.5 million (13.9%) were uninsured (Figure 1).

Also it fails to mention how many have insurance, and dont use it...since they cannot afford to despite having it. I had it in my 20's from my job for a 'just in case' worst case situation. But NEVER used it. Why? Because it still cost me 200+ dollars per visit, WITH insurance to see a doc. And I was young and poor.
My Father died, with insurance, for the same reason. Could not afford the deductible and copays multiple times a month. And could not afford $600 a month for prescriptions...that was $1200 without insurance.
So having it, is nothing like actually being able to use it. that 91% would be a LOT lower if it asked: Percentage of Americans that use thier insurance beyond emergency/critical situations.

Iwasfaggotonce wrote:
Over the years Americans are more content with their health insurance packages, which is an example that the system is working. These cases that the media picks up how someone with the cancer or some other disease not getting help and having to beg for donations, these examples will always stay. And hopefully they will be fewer and fewer as time goes on.

I dont know what American's you talk to, nearly everyone I know either dislikes the packages, the price, or the hoops and ladders to jump and climb to work out to find a doctor network you like.
I dont have to pay for mine (like spykez) since my company does and its one of the best I could possibly get anywhere for coverage. But I reallllly dislike the whole in network, out of network, copay maybe? If not does it hit deductible and I pay that?
I go to the doctor when I feel "ok this is getting worrisome' just for that reason. I rather roll the dice its not a big deal, than go through the red tape to see a doc, then having to pay a copay, and hope the deductible doesnt bite me in the ass.

And its not the media doing that over people that cannot afford it despite having coverage. Its the fact 1/3 of all go fund me are: As of 2021, approximately $650 million, or about one-third of all funds raised by GoFundMe, went to medical campaigns. (GoFundMe CEO: One-Third of Site's Donations Are to Cover Medical Costs)
So to imply "The rare one off the media finds" is off. 1 out of 3 you can click are, is for that Razz


-We don't control what happens to us in life, but we control how we respond to what happens in life.
-Hard times create strong men, strong men create good times, good times create weak men, and weak men create hard times. -G. Michael Hopf

Disclaimer: Post made by me are of my own creation. A delusional mind relayed in text form.
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Frant
King's Bounty



Posts: 24606
Location: Your Mom
PostPosted: Thu, 8th Sep 2022 19:35    Post subject:




So yeah, you should've moved to a western European country from the start. USA is a hyper-capitalist society where the citizens are indoctrinated to believe that their shitty system and manipulated culture of supporting corporations and the rich is the way it should be while also being taught that ALL other countries are worse (not to mention the ludicrous idea that European countries are completely socialist with no freedoms) as well as having very little to no education about other countries.

Obviously there are plenty of US citizens that have removed the blindfold. The biggest problem is that millennials and gen-z seem to have the worst education system ever. Growing up and living with shit like twitter etc. have seemingly destroyed their attention span and memory storage since they only deal with instant short messages that go in and then out.


Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn!

"The sky was the color of a TV tuned to a dead station" - Neuromancer
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Iwasfaggotonce




Posts: 467

PostPosted: Thu, 8th Sep 2022 21:52    Post subject:
Weird that many people from Western Europe want to move to US to study there, and to build their careers there. Including Scandinavia. My brother has been living most of his life in Finland and he said all his 3 friends who moved there, also stayed there and didn't want to come back.

They said Finland is more safe compared to US (in terms of taking responsibility for your life). But that's the difference between Nordic states and USA - when you put in the effort, you make a better life there.

If you want to be a low income demotivated "wojak", then sure Finland or Sweden is a more safe option for you. But who likes such people?
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Lopin18




Posts: 3355
Location: US
PostPosted: Thu, 8th Sep 2022 22:23    Post subject:
Well i come from DR so for now im in heaven, btw just got back from the dentist and got refered to get a weird spot on the xray checked, sure why the fuck not, im no medic so im sweating bullets here. Great.
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Frant
King's Bounty



Posts: 24606
Location: Your Mom
PostPosted: Thu, 8th Sep 2022 22:32    Post subject:
Iwasfaggotonce wrote:
Weird that many people from Western Europe want to move to US to study there, and to build their careers there. Including Scandinavia. My brother has been living most of his life in Finland and he said all his 3 friends who moved there, also stayed there and didn't want to come back.

They said Finland is more safe compared to US (in terms of taking responsibility for your life). But that's the difference between Nordic states and USA - when you put in the effort, you make a better life there.

If you want to be a low income demotivated "wojak", then sure Finland or Sweden is a more safe option for you. But who likes such people?


So much nonsense and bullshit... but it's your opinion so.. Laughing


Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn!

"The sky was the color of a TV tuned to a dead station" - Neuromancer
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DXWarlock
VIP Member



Posts: 11422
Location: Florida, USA
PostPosted: Thu, 8th Sep 2022 22:32    Post subject:
@Iwasfaggotonce
Bit of a misnomer and general pedantic summary is it not: In the US of A if you put in the effort, you too can reach the comfortable trope American lifestyle.
I know TONS of people that put in fuckloads of effort, and still have a crap life here. It's like anywhere. The hand you are dealt, the roll of the dice of fate, and situational opportunities conclude if you do. Not just "Work hard, be good, and you too can have the American Dream".
It's all random chance, with your effort really only putting a thumb on the scale, and not replacing the workings of the scale itself.


-We don't control what happens to us in life, but we control how we respond to what happens in life.
-Hard times create strong men, strong men create good times, good times create weak men, and weak men create hard times. -G. Michael Hopf

Disclaimer: Post made by me are of my own creation. A delusional mind relayed in text form.
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Iwasfaggotonce




Posts: 467

PostPosted: Thu, 8th Sep 2022 22:43    Post subject:
I don't believe in random chance BS. While i don't live in USA, i am from the lower-end spectrum of EU. I did put in a lot of effort in my career life and have succeeded quite nicely. Nobody has helped me, i have worked for my success.

I am by no means a rich guy, but i make enough to have bought a 250 m2 house that was built in 2019, i have 2 cars in lease, i can provide for my (future) family just fine. And it's not some chance or "random chance". It's that i worked for it. Very easy.

But i know if i lived in Scandinavia, a big chunk of my income would go to taxes. To help other "discouraged employees" (it's supposed to be a thing there) and others who could do it themselves, but prefer to stay on social welfare. While i did 12-14h (luckily not so much anymore) days to provide for them? No thanks:)
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DXWarlock
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Posts: 11422
Location: Florida, USA
PostPosted: Thu, 8th Sep 2022 23:00    Post subject:
Its not random chance, it's unknown future absolutes that you dont know because you cannot see the future.
Say you took 4 years in college, and when you go to find work, there is no jobs in your field, or even close to it (just an example) that is not random chance, that is time progressing forward on many variables that line up to the point of your realizing there is no jobs.

And to counter your example. My friend Dave is not a rich man...He went to college in the STEM field area of biochemistry, he works 2 bare minimum pay jobs, and does a side hustle of painting/refurnishing wooden furniture on weekends. Yet has a 1993 Toyota Corolla falling apart, barely can pay rent, and saves what he can to take his kids to the 'free' city fair we have once a year.
(Sure thats only one subjective example. But I am countering one subjective example).

You work harder than him to get where you are, or ahs he worked as hard as you? Or could it be random starting parameters, evolution of situational opportunities, timelines of events in your environment (all not random chance) culminating to what we as non-omnipotent beings call 'luck' that you are better off?

And where your taxes go is a red herring, it has nothing to do with dynamic opportunities to where you can achieve to go. It has no bearing if those opportunities can be found. It only equates to where some of that you get from it goes. (Both of you and David living in Scandinavia with the same situational parameters, would be you are better off proportionally end net gain, with less effort...both of you would be scalable distant in self position to each other).


-We don't control what happens to us in life, but we control how we respond to what happens in life.
-Hard times create strong men, strong men create good times, good times create weak men, and weak men create hard times. -G. Michael Hopf

Disclaimer: Post made by me are of my own creation. A delusional mind relayed in text form.
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Iwasfaggotonce




Posts: 467

PostPosted: Thu, 8th Sep 2022 23:05    Post subject:
That’s just lazy argumentation.

I will correct myself: it is hard work and the kind of person you are. If you are likable and get along with people, you get further in life then otherwise. But still, it still belongs it being up to you. Not chance.
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DXWarlock
VIP Member



Posts: 11422
Location: Florida, USA
PostPosted: Thu, 8th Sep 2022 23:09    Post subject:
Lazy how? Yours is simply: Work hard it always works with no data other than "Seems it worked for me".

see my David example above.
One of the nicest, hardest working, humble guys I know. Everyone thinks he is awesome and I honestly cannot think of anyone that has anything bad to say about him. Yet doesn't make it working 15 hour days, about 10 hours on weekends doing work on furniture in his shared rat infested 'garage' (a shed on his shared property he rents). All while putting in applications to every single place he is qualified to do grunt work for with his degree. He would be happy making shit money at with room to move up and a second job to make up for it. Vs two dead end jobs.

Is there some part of that guaranteed formula for success he is missing I should tell him?


-We don't control what happens to us in life, but we control how we respond to what happens in life.
-Hard times create strong men, strong men create good times, good times create weak men, and weak men create hard times. -G. Michael Hopf

Disclaimer: Post made by me are of my own creation. A delusional mind relayed in text form.
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