Posted by Buzzman72 on December 13, 2008 at 10:31:49 from (74.129.220.44):
In Reply to: Re: Auto -help posted by M Moline fan on December 13, 2008 at 09:57:51:
Let me tell you all about health insurance. My wife has "pre-existing conditions," including diabetes and a history of heart problems.
When the plant where I worked at closed in 2005, I qualified for just under $400 a week in unemployment benefits...before taxes. Indiana withholds 10% for income taxes on unemployment. So figuring your average 4.3-week month, that figures just over $1500 a month after taxes.
But insurance--whether COBRA coverage or a private plan, because I priced both--would cost me $1200 a month. That leaves about $300 a month for mortgage, utilities, food, clothing, and medical expenses for copays and prescriptions [like insulin] before the deductibles are met. And at that rate of unemployment, I didn't qualify for food stamps or Medicaid or any other assistance.
So I went uninsured while I went back to school. After I graduated, I got a job that offered insurance. But I found out that, since I hadn't had insurance prior to this, I had a 1-year "waiting period" --while the insurance company still collecte premiums--before any of my wife's "pre-existing conditions" were covered.
So, effectively, for a year I got to pay the insurance company for NO coverage. At the "family plan" rate, that was $3,702 for a year of NOTHING. If my wife would've had another heart attack, since her history shows prior heart problems, that $3,702 would've paid NOTHING. Anything short of an auto accident or a broken bone would've been considered a "pre-existing condition," in the eyes of the in surance company.
So pardon me if I show little sympathy toward insurance companies.
We sell tractor parts! We have the parts you need to repair your tractor - the right parts. Our low prices and years of research make us your best choice when you need parts. Shop Online Today. [ About Us ]
Today's Featured Article - Listening to Your Tractor - by Curtis Von Fange. Years ago there was a TV show about a talking car. Unless you are from another planet, physically or otherwise, I don’t think our internal combustion buddies will talk and tell us their problems. But, on the other hand, there is a secret language that our mechanical companions readily do speak. It is an interesting form of communication that involves all the senses of the listener. In this series we are going to investigate and learn the basic rudimentary skills of understanding this lingo.
... [Read Article]
Latest Ad:
2022 John Deere 5045E, 4wd, front end loader and 3rd function with grapple. 120 hrs, 55k new, must sell
[More Ads]
All Rights Reserved. Reproduction of any part of this website, including design and content, without written permission is strictly prohibited. Trade Marks and Trade Names contained and used in this Website are those of others, and are used in this Website in a descriptive sense to refer to the products of others. Use of this Web site constitutes acceptance of our User Agreement and Privacy Policy
TRADEMARK DISCLAIMER: Tradenames and Trademarks referred to within Yesterday's Tractor Co. products and within the Yesterday's Tractor Co. websites are the property of their respective trademark holders. None of these trademark holders are affiliated with Yesterday's Tractor Co., our products, or our website nor are we sponsored by them. John Deere and its logos are the registered trademarks of the John Deere Corporation. Agco, Agco Allis, White, Massey Ferguson and their logos are the registered trademarks of AGCO Corporation. Case, Case-IH, Farmall, International Harvester, New Holland and their logos are registered trademarks of CNH Global N.V.
