by MamaKitty » Wed Oct 03, 2007 10:11 pm
Sorry to butt in, but after reading all this I felt the need to say something since I would be one of those people that that bill could potentially help and conversely harm at the same time. And this is just my opinion on the matter, I hope it doesnt offend anyone, if it does at least let me know how and why so I can try to figure out a way to word it better.
I'm female, I smoke(which does not affect my insurance rate), I have health insurance(supposedly one of the better plans offered in the state I'm in), I work making about 9 dollars an hour, my husband makes close to 8 an hour. Both of us work full time.
Each week half of my check is taken out on health insurance, for me and him(we have no children but it would be close to 75% of my check if we did). Each month over two hundred dollars goes to pay car insurance(the minimum we can get) which is required if you drive, and to get to work to pay the bills you must drive. We pay the lowest insurance rate since we have both taken defensive driving courses and have no accidents on our record. We have a 300 dollar a month car payment(the lowest we could manage), since we crunched the numbers and figured out a car payment on a new car would be cheaper than the continuous repair bills on a used car. Add 175 a month for utility bills(yes we do try and conserve). About 240 dollars is spent a month on fuel to go to and from work(we have compact cars that arent gas hogs). There is our on-line bill which is 30 dollars a month and is the one real luxury(other than cigarettes) we allow ourselves(no cable, satalitte, cell phone, ipod). The grocery bill would tally up to about 400 dollars a month(and yes, I use the heck out of coupons to cut it down that low). Also to be considered are all the other, little, things that add up in the end: clothes, socks, underwear, new tires(or used as is more often the case), shoes, the things that wear out eventually and usually at the most inconvient times.
This ideally leaves us with about 150 a month saved. Which as you can imagine doesnt work about 75% of the time.
Now, this "one of the best plans in the state" insurance of mine. We shouldnt have to worry about health care with it, right.
Wrong! Dead wrong! The dental plan, the only thing it covers is 50 dollars off of x-rays. Got a cavity, need a crown, root canal, a tooth pulled? You pay full price(which for just a cavity is 400 dollars). Laser eye surgery is considered cosmetic and therefore not covered. Eye exams are covered, prescription contacts or glasses are not. Oh, and the health insurance itself. They will cover one physical a year plus visits for illness up to a cost of 1000 dollars after that you are on your own for the most part they only cover 25% of cost after that. So you'd better pray that theres nothing really wrong with you cause if there is you're gonna be the one footing the bill. Prescriptions, did you know acid reflux medication is considered non-essential...as well as the medications that helps you stop smoking.
Seriously they have some screwed up ideas about whats essential and whats not. We even had to have an argument with them because they didnt want to cover an antibiotic the doctor presribed for me because pennicillin was the cheaper alternitive(I'm deathly allergic to pennicillin and sulfa drugs).
This is a good healthcare plan in my state.
And now the hospitals in the area are starting to demand payment up front for services. They dont want to accept payments, they want it all, right now, thank you very much.
And deadbeats on welfare, whose families have been on welfare for generations not working, popping out about 7 or 8 babies and are [/b]proud of it, they get better health care than me. Crack-hos, who dont give a frack about anything but the crack, popping out babies who will be a burden to society all of their lives, they get better health coverage than me.
They are parasites! And they get all the help, they get the breaks for doing nothing, accomplishing nothing, contributing nothing to society. I may not know a solution to the healthcare issue but I do know these guys are part of the problem, a big part of it.
But people like me, the "little people", who work our tails off, pay the lions share of the taxes but never get noticed by the government because we dont make enough to buy a voice the government will hear. We fight the good fight, do what we're supposed to do, give our all for all our lives. We get next to nothing, and are lucky at the end of our lives to get enough of a social security check to afford dogfood to eat for the month. I'm not such a fool as to have the delusion that it wont happen; I've seen it happen too many times already. I might get lucky, and it not be me. But then again it very well could be. I contribute, I deserve to get to have kids and not have them die of illness a doctor can cure, or die from an injury a doctor could heal. Why should deadbeats get a better chance at it than me?
I mentioned before I was a smoker and here's my opinion on increasing taxes on tobacco products. They are luxury items. Increase the taxes on them. Put them out of the price range of the working class and the middle class and let the rich have them, they can afford[b] to have lung cancer after all. And one of the most popular uses for cigars now is to cut them open and take out the tobacco and load it with pot. Which, while I'd rather deal with a pothead(they're just stupid) than a crack head(they're violent and downright evil), its still illegal. Why should we continue to let things be cheap for them to break the law?
But they arent going to raise taxes on tobacco, they get too much kickback from big tobacco. And we don't want the farmers to suffer, do we? The government pays farmers not to farm and we import all this food from other countries, which makes the farmers who continue to farm lose out to cheaper foreign market....but thats a whole other screwed up issue.