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 - Old Time Threshing - by Anthony West. A lovely harvest evening late September 1947, I was a school boy, like all school boys I loved harvest time. The golden corn ripens well and early, the stoking, stacking,.... the drawing in with the tractors and trailers and a few buck rakes thrown in, and possibly a heavy horse. It would be a great day for the collies and the terrier dogs, rats and mice would be at the bottom of the stacks so the dogs, would have a busy time hunting and killing, all the corn was gathered and ricked in what we c
... [Read Article]
Latest Ad:
1964 I-H 140 tractor with cultivators and sidedresser. Starts and runs good. Asking 2650. CALL RON AT 502-319-1952
[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.
