Those that mystery shop full-time and do not qualify for medicare.

Now that I don't qualify for health insurance subsidies, I come to realize that health insurance is damn expensive. Is anyone else in the same position? I kind of envy the people on medicaid.

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DavePi shouldn't this be in our General Chat? I paid $1000 a month for my husband and I for years. Medicaid is great once you earn it.

Edited 1 time(s). Last edit at 02/02/2018 10:49PM by shopper8.

As I told a friend recently who was complaining that her insurance was so expensive and that those on Medicare were lucky....the majority of people on Medicare would be happy to switch ages with someone 10 years their junior even if they had to then pay their way on Health Insurance. Of course this friend has many medical issues so I warned they would just switch ages with her but not medical conditions. But, our health care ins industry really needs to be fixed. A few large companies are on it now but unfortunately their fix will not be soon enough for a lot of people.

I'm not sure there is anyway to fix the health insurance industry other than to keep them from getting in the way of healthcare.

Equal rights for others does not mean fewer rights for you. It's not pie.
"I prefer someone who burns the flag and then wraps themselves up in the Constitution over someone who burns the Constitution and then wraps themselves up in the flag." -Molly Ivins
Never try to teach a pig to sing. It's a waste of your time and it really annoys the pig.

When, oh when, will people stop confusing Medicare and Medicaid? Both great and both far better from profiteering insurance companies, but different from each other in a whole host of ways.

We are not confused. Just ignoring the difference. It would apply to both in this case.

I get a little confused but try to follow along. Medicare V Medicaid and then I also get confused with SS and SSI used interchangeable because SSI is generally for disabled/cognitive disabilities. It's all good though. You would think for folks in their 20's who don't smoke, clean driving records, don't take any medications, and have pretty good eyes & teeth our insurance would be a little more reasonable but it's hard no 0_o

I'm more concerned with newbies who come on complaining about work, lack of pay, and low scores... but it's worded sorta like... "I no get paid and i did all the stuff than emailed them and none of them call back and say it is enternet and it is big scam!! how I get paid for thats? this garbgdas doe make not sense!!! " 0_o

Mornin' folks.

MegglesKat

All insurance is expensive. What do people want to do with money? Do they want to pay for insurance? Can they afford themselves without insurance? Can they invest their money for awhile and use some of the profits to pay for their future medical costs?

Nature does not hurry, yet everything is accomplished. - Lao-Tzu

Medicare is for 65 and older, Soc Sec. can be taken at 62 for less money, waiting is a better choice Medicaide is welfare (clearing that up) perhaps not something one would wish to be on.....going to their Dr's, not a good thing.....I learned about it at a seminar from a great Agent that went into it....you have to make very little yearly (poverty level) and prove it, while Medicare is money you earned through your years of working, I'm on it and have great Dr's and care. Definitely one of the best (only) good things about aging. I had Cataract surgery, didn't cost me a penny, with a Dr. who worked for Jules Stein eye clinic at U.C.L.A for years before changing over. I found this plan at an AARP seminar. Many different health plans available, some better than others. My Dr's are closed and they have a new plan called Partner's, several friends do not care for the doctors. I wouldn't change for love or money, I'm fussy about my Doctors....
edited to add...hoping it continues and Trump doesn't take that away.

Live consciously....

Edited 2 time(s). Last edit at 02/04/2018 07:26PM by Irene_L.A..

Just some information regarding medicare.

The prodigious level of spending makes health care important, but it is the fearsome growth of health care costs that has put health care reform on the national agenda. Medicare spending has grown 2.4 percentage points per year faster than GDP over the past 30 years, more than tripling as a share of GDP since 1960. If costs continue to grow at current rates relative to GDP, then Medicare alone will account for 8 percent of GDP by 2030, 14 percent by 2050, and 31 percent by the end of the 75-year budget projection window. This would imply that Medicare would be more than 50 percent larger than the current size of the entire federal budget. While these numbers are absurdly large, a similar projection would forecast total health care spending to account for an impossible 99 percent of GDP by 2082 (Congressional Budget Office, 2007).

Thanks Obama

Edited 1 time(s). Last edit at 02/03/2018 05:08PM by DavePi.

I'd be more interested in hearing from those on it, not yet another survey taken in 2007, which states the numbers are absurdly large....Those worried can always go to work and pay in and when your older and need it, it will be there. Trump has gotten rid of Obama care (last I heard), maybe his heath plan will be better...

Live consciously....

Dave Pi, you post survey from 11 years ago when much of the data has changed?

The Great Depression was over 80-90 years ago, not really sure what your point is.

What did you say "The great Depression" has to do with Medicare....confusion continues.....

Live consciously....

The Great Depression caused a huge economic disaster during the 1930s-40s. Hopefully that cleared it up.

@Eric in Tampa wrote:

Dave Pi, you post survey from 11 years ago when much of the data has changed?

To be more accurate, Dave posted an economic forecast from before Obama was even in office, and then inferred Obama was somehow to blame for it.

Outside of bringing politics into an MS discussion, which is generally frowned upon, he's seemingly just inciting argument amongst forum members.

If one cannot afford insurance working as a shopper and does not qualify for a plan that would provide it, they perhaps should consider looking into other avenues of employment....

No one " earns Medicaid. Medicaid is state programs for the low income. I am sure you meant Medicare

Nothing has yet happened to Obama care, just alot of discussions for changes

@Irene_L.A. wrote:

Medicare is for 65 and older, though can be taken at 62. for less money. Medicaide is welfare (clearing that up) perhaps not something one would wish to be on.....going to their Dr's, not a good thing.....I learned about it at a seminar from a great Agent that went into it....you have to make very little yearly and prove it, while Medicare is money you earned through your years of working, I'm on it and have great Dr's and care. Definitely one of the best (only) good things about aging. I had Cataract surgery, didn't cost me a penny, with a Dr. who worked for Jules Stein eye clinic at U.C.L.A for years before changing over. I wouldn't change for love or money, and I'm fussy about my Doctors....
edited to add...hoping it continues and Trump doesn't take that away.

Irene, I think you're confused with Social Security. You can take Social Security at 62 for a lower amount, but can't qualify for Medicare until 65.

*****************************************************************************
The more I learn about people...the more I like my dog..

Mark Twain

@MsJudi wrote:

@Irene_L.A. wrote:

Medicare is for 65 and older, though can be taken at 62. for less money. Medicaide is welfare (clearing that up) perhaps not something one would wish to be on.....going to their Dr's, not a good thing.....I learned about it at a seminar from a great Agent that went into it....you have to make very little yearly and prove it, while Medicare is money you earned through your years of working, I'm on it and have great Dr's and care. Definitely one of the best (only) good things about aging. I had Cataract surgery, didn't cost me a penny, with a Dr. who worked for Jules Stein eye clinic at U.C.L.A for years before changing over. I wouldn't change for love or money, and I'm fussy about my Doctors....
edited to add...hoping it continues and Trump doesn't take that away.

Irene, I think you're confused with Social Security. You can take Social Security at 62 for a lower amount, but can't qualify for Medicare until 65.

Your right,....thx for clearing that up...wouldn't want mis-info. out there...

Live consciously....

Mountain Catcher, what makes some of these programs confusing is the names are so similar and in some cases such as with SS and SSI it is administered by the same department. Once you get somewhat older and have a need to figure it out for your own self it will become clearer. I knew nothing about these at your age.

I also wanted to comment that while I cringe when I see terrible English in shopper messages I do like to give them the benefit of the doubt as there are shoppers who live in other countries who do their shops in a language they are fluent in. I would imagine it might be hard to find a forum like this is some shopper's native tongue so they use this one.

@MountainCacher88 wrote:

You would think for folks in their 20's who don't smoke, clean driving records, don't take any medications, and have pretty good eyes & teeth our insurance would be a little more reasonable

It can be. One of my children uses a medical sharing program. You have to follow rules (no smoking, no drinking, no sex outside of marriage, etc), but if you fit the mold, it's less than $200/mo. Some good friends of ours pay cash as they go. They're in their 50s, reasonably good health, and carry catastrophic insurance in case of a major accident (there's some outrageous deductible like $10,000/yr, but it's just for a major accident.)

"Let me offer you my definition of social justice: I keep what I earn and you keep what you earn. Do you disagree? Well then tell me how much of what I earn belongs to you - and why?” ~Walter Williams

I found out recently at an AARP seminar that the cost for an ambulance without Ins.is 1600.00, and on medicare cost 200/250.00....good reason to find a job with Ins. if MSing doesn't cut it. How do other countries afford it and is it really good Ins.

Live consciously....

No drinking and no sex outside of marriage? In that case who needs cheap health insurance when life isn't worth living.

My understanding is Medicare is available for people under 65 when they have qualified to collect social security because of disability. It may be two years after qualifying. My limited knowledge is from back in the day when some Medicare Advantage shops allowed shoppers to claim they were collecting social security because of a disability.

@LisaSTL wrote:

No drinking and no sex outside of marriage? In that case who needs cheap health insurance when life isn't worth living.

Hopefully that was meant tongue-in-cheek. A lot of people don't drink or sleep around. I've noticed that most of my (adult) children's friends in their 20s have swung back the other way and are completely the opposite of my generation (which did drink and smoke heavily, and weren't waiting for "the one".)

As for the healthcare side of it, it cuts out a lot of the higher cost individuals. Makes financial sense.

Actually it wasn't tongue in cheek. But good job equating sex without marriage to sleeping around.

Now this thread is getting interesting.

I had no idea that a health insurance company could put any restrictions on a persons sex life. How would they even know? Virgins only need apply. If you pay an extra premium are you allowed to have sex? Ridiculous and intrusive, who says that Big Brother is not alive in 2018.

One tangent to the post above mine: If the stats regarding device usage and increased isolation are accurate, then some people are not going to get together as they did in the past. If it's true that some younger generations are using devices to the exclusion of interpersonal exchanges, then allowed sex/banned sex is not an issue for them. How much is nature/nurture? Will this result in lower populations and lower medical costs? Or, will the near-constant device users develop health issues that are related to extensive use of devices? Hmmmm......

Nature does not hurry, yet everything is accomplished. - Lao-Tzu

Noted: Remind me to never try crack.

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