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The brag post... *laughs out loud* (an Eff you post)

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So... here is the story.

For many years I have taught dance and hubby works with his parents in a development business plus real estate. At one point we were able to afford health insurance....

Then came the economy crash :( We are not the only people that had to move fast downgrading everything you worked hard for. We sold our house and downgraded into a rental, downgrading our budget, getting rid of things we couldn't afford, preparing for the worse financially. Let me tell you we moved fast!!!!

Three years of hell we went from making 75,000 a year to 45,000 a year. We were lucky we made 45,000 a year. On top of that back then health insurance was 680 a month and believe me thats a lot not including the 2 grand deductible. Sadly that had to go too because the amount we were making was just getting so low we couldnt afford it anymore. We cleaned our savings, college, retirement trying to stay afloat... When you are in the housing market, sometimes you go months before you have income or a pay.... It was awful.

During this time I continued to argue with hubby about me going back to college. He resisted. I wish had let me go back sooner (although it worked out in the end). Eventually at the end of our debts he let me go back I am graduating this Saturday.

So now we are slowly working our way back up, slowly trying to put back the savings and unfortunately since the last time we had health insurance it has gone up to 980 a month for the cheapest with 2500 grand deductible, one was 3 grand! At this time we simply cannot afford insurance PLUS unpaid medical bills from the 3-4 year economical crash and building our way back up.

I have watched people around me plus those online struggle the same struggle we have gone through, there are still many out there that simply cannot afford the rates.... I understand oh believe me I understand. Then you got arrogant asshats that brag how their hubby works good bucks and great heath insurance and pay only 200 a month for extra benefits and blah blah.... Ya well good for fucking you!

I recently got hired (yes got the job I wanted my ideal job) at the university as a computer specialist. I will work part time however, I will earn a little over the part time hours so I can qualify for health care benefits. After all these years me working part time and hubby busting his ass and barely having health care insurance we will finally be where others are (the employment paid health benefits). So for those that cursed me and others for not having it EFF YOU I HAVE IT NOW!

The end.

~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

by on May. 1, 2013 at 10:29 AM
Replies (41-50):
thetrollcat
by Meow on May. 1, 2013 at 11:10 AM
1 mom liked this

I agree with your hubby and see thats what I had to tell mine. I told him there is no way out until I get a job with insurance. Either he had to quit his and find one with insurance or let me do it. He finally agreed and let me go back to school and guess what? We got insurance :)

So I agree with your hubby, go back to school and work hard, try to stay involved though for reference/experience reasons... I think its worth it in the end.

Quoting TheQueenOfChaos:

Congrats!!! We downgraded recently, were now in the high 20s for income. Thankfully our total expenses are only 26K, and we don't have health ins either.

DH is the opposite though. He will only let me work until August, then he says I need to focus on nursing school. He said if we have any chance of getting out of this hole, I need to have my degree. So for the next 2-3 years we're going to be scraping the barrel, but hopefully that improves soon.


~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

svolkov
by Emerald Member on May. 1, 2013 at 11:10 AM
I just started my doctorate. Lol feels like forever :/


Quoting thetrollcat:

are you graduating? Still got more to go? I am so damn tired meow I can hardly drag my furry ass to school! and thank  you :)

Quoting svolkov:





Yay! Im just glad this semester is almost done lol congrats on graduating and the job.



Anonymous
by Anonymous on May. 1, 2013 at 11:11 AM
I know your post is about insurance but in this bit of conversation we were talking about job options so I listed it.


Quoting thetrollcat:

how does ranch jobs provide insurance?

Quoting Anonymous:

There are a lot of ranch jobs. More options than you would think, if you know where to look. Carpentry, plumbing, mechanics, rainroad, oild rigs, law enforcment, etc. but Ranch work is real big around here.

It is to be expected for things to be more expensive in big cities. Im not surprised at all that the housing in Billings, Helena, Great Falls, etc. would be in the $100,000 price range.

I wouldnt want to live in any of them.





Quoting thetrollcat:

in smaller towns unless you are working for the mines there isnt much for jobs.... The reason for housing being high in montana not limited to Billings, but also in Great Falls, Bozeman is MOST expensive along with Missoula due to limited room for development. Again I have lived in Montana all my life, my inlaws and hubby are in marketing, we know what the market is in Montana and AGAIN montana is not considered one of the better paying rates for jobs.... Again unless you work for the mines.......

Quoting Anonymous:

You said you would be lucky to find a house for less than $100,000


Maybe so for Billings but there are plenty of houses under $100,000 in smaller towns. We enjoy the small town living. The only down side is you have to travel for several hours to get anywhere around here. We do have a small hospital 20 min away and grocery stores and retail but if we want to gi to bigger stores, even walmart, we have to travel. If we have to see a specialist, chances are we are going to have to drive 2 to 5 hours to get there.











Quoting thetrollcat:

the wage pay in Montana is low.... You are lucky if you get a good paying job anywhere in Montana. Montana is an expensive state to live in when the wage pay is low. I know I have lived in montana all my life. We watch people come and go all the time... We see it in the housing market.

It also explains our population rate, it never increases and stays....

Quoting Anonymous:

It depends on what area of your state you are in. It is more expensive in Billings because of its size. There are nice little towns to move to. Yes, MT didnt get hit as hard. That is why we moved from the East coast to MT.











Quoting thetrollcat:I know its hard my state was one of the states that didnt get hit as hard except the housing market it came to a stall! We were very worried for several years. It has picked up again but it can stall again in the future. My hubby's business is not dependable and based on the market. Anything can happen any day... Me getting employed is probably for the best overall. As for the income earned., some areas are higher priced... You are lucky to find a house for less than 100,000 in my state. I kid you not.Quoting Anonymous:Seven years ago, when our economy crashed, we became homeless with three children and had to move 2,000 miles away from our friends and family to survive.



We have never made $75,000 a year or even $45,000 a year. Still, my husband works hard for his money and we are on our feet once again.












Anonymous
by Anonymous on May. 1, 2013 at 11:11 AM
I just don't see the point in paying that kind of money for just in case we get sick. I'd rather save up and pay the doctor not the insurance company.

Some doctors will give you a discount for paying cash up front.

I pay full price to see a doctor (costs 50$) with a traditional health plan you pay copay of 20$. Traditional health insurance is also double the price of my HDHP.. So I win.



Last year I spent a whopping 750$ the whole year on health expenses. I saved so much money by not using a traditional health insurance.


Quoting thetrollcat:

We have no problem putting money out on health insurance however, 980 a  month??? We just cant afford it.... And ya you also end up paying 980 a month which does not include dental and other imporant goodies. Only for emergancies..... which really sucks. Last time we paid 680 it covered nothing we still got billed even after the deductible. I was pissed.....

Quoting Anonymous:

We have a high deductible health insurance. It works wonders for us. We only pay 140$ a month (for individual +1). Then I deposit 100$ (before taxes come out) a month into a health savings account. That's my money and can be used on health costs.



Our deductible is 3k. So we have to pay 3k out before the actual insurance kicks in, then they cover 90%.



I like it because you pay for what you use. Plus well visits are free and my yearly women's visit is free.



I couldn't imagine paying close to a 1000$ a month for health insurance. That's ridiculous.



Val99
by Ruby Member on May. 1, 2013 at 11:11 AM

Congratulations on acquiring health insurance.  It is so important and I truly love to hear when those who haven't had it are finally able to get it.

thetrollcat
by Meow on May. 1, 2013 at 11:12 AM

well if you are just starting I suppose that is the exciting part until half way into it then you are dragging. I am tired because I did 21 credits in the fall then 19 credits this spring with six classes. That was hell let me tell you... I had such a hard time finding the time for homework I almost didnt think Id make it. I was doing homework all the fucking time.... Wears you out...

Good luck to you!

Quoting svolkov:

I just started my doctorate. Lol feels like forever :/


Quoting thetrollcat:

are you graduating? Still got more to go? I am so damn tired meow I can hardly drag my furry ass to school! and thank  you :)

Quoting svolkov:





Yay! Im just glad this semester is almost done lol congrats on graduating and the job.




~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

thetrollcat
by Meow on May. 1, 2013 at 11:13 AM

I know and afford it, thats the key, being able to afford it. But I am so sad for the many others in our boat that are still without. Its just too over priced its wrong, its wrong to see the elder and disabled and people struggling cannot afford to care for themselves. Makes me sad....

Quoting Val99:

Congratulations on acquiring health insurance.  It is so important and I truly love to hear when those who haven't had it are finally able to get it.


~~~~~         =^..^=        ~~~~~
I'm not the cat lady type. I'm more like an actual cat. I want affection when I want it and on my own terms. The rest of the time I want to claw out your eyes and piss in your shoes.  

It's wrong to be a bully with one exception. It's ok to bully those you THINK are a bully.

Anonymous
by Anonymous on May. 1, 2013 at 11:14 AM

In the last year alone our health care costs before insurance were over $50k.  Our out of pocket expenses were less than $2k.  I am happy for insurance rather than putting money in the bank.  You never know when something unexpected will occur.

Quoting Anonymous:

I just don't see the point in paying that kind of money for just in case we get sick. I'd rather save up and pay the doctor not the insurance company.

Some doctors will give you a discount for paying cash up front.

I pay full price to see a doctor (costs 50$) with a traditional health plan you pay copay of 20$. Traditional health insurance is also double the price of my HDHP.. So I win.

Last year I spent a whopping 750$ the whole year on health expenses. I saved so much money by not using a traditional health insurance.
Quoting thetrollcat:

We have no problem putting money out on health insurance however, 980 a  month??? We just cant afford it.... And ya you also end up paying 980 a month which does not include dental and other imporant goodies. Only for emergancies..... which really sucks. Last time we paid 680 it covered nothing we still got billed even after the deductible. I was pissed.....

Quoting Anonymous:

We have a high deductible health insurance. It works wonders for us. We only pay 140$ a month (for individual +1). Then I deposit 100$ (before taxes come out) a month into a health savings account. That's my money and can be used on health costs.

Our deductible is 3k. So we have to pay 3k out before the actual insurance kicks in, then they cover 90%.

I like it because you pay for what you use. Plus well visits are free and my yearly women's visit is free.

I couldn't imagine paying close to a 1000$ a month for health insurance. That's ridiculous.


svolkov
by Emerald Member on May. 1, 2013 at 11:14 AM
Ugh heck no lol I took 6 credits this semester. The most I ever took was 18 once and it was horrid


Quoting thetrollcat:

well if you are just starting I suppose that is the exciting part until half way into it then you are dragging. I am tired because I did 21 credits in the fall then 19 credits this spring with six classes. That was hell let me tell you... I had such a hard time finding the time for homework I almost didnt think Id make it. I was doing homework all the fucking time.... Wears you out...

Good luck to you!

Quoting svolkov:

I just started my doctorate. Lol feels like forever :/





Quoting thetrollcat:

are you graduating? Still got more to go? I am so damn tired meow I can hardly drag my furry ass to school! and thank  you :)

Quoting svolkov:







Yay! Im just glad this semester is almost done lol congrats on graduating and the job.






ksueditz
by on May. 1, 2013 at 11:15 AM

i feel ya. our health insurance choices were pay over a grand a month, and coverage was 80/20 and no deductible. or the choice we went w/, $400+/month, and $2,400 deductible. we also opted for a HSA this year. our drs office also works w/ us, we don't have any co-pays, but we pay $50 each visit to keep ahead of the deductible. when you have a dh w/ diabetes, and 5 children, dr visits add up fast. 

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