Healthcare

I think I may have one possible solution for the healthcare needs of our children. I posted a link to the article I posted on Toledotalk.com. Please read it and let me know what you think. And Please excuse the spelling errors, it was pretty late.

http://toledotalk.com/cgi-bin/tt.pl/article/11266/Healthcare_for_or_children_Need_you_advice

 

 

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I can't really offer a solid opinion on this - but I have been a single welfare mom, and a married with kids to a guy with a good job with health benefits, so I have seen both sides of the fence, to some degree (although my ADC welfare years are a very long time ago & times my have changed). While my husband's employer's health care used to be excellent - it hasn't been so 'excellent' in years. Last year, our co-pay (for just us two) was $2,400. & this year, it is $4,200 - and this is after he pays out of his paychecks for it, & sold a lot of vacation days & cut his life insurance in half - just to get this "great deal'. It's like having NO insurance at all. That $4,200 which we had to pay ourselves to 'get', is our money - & until we use up our money, we're out of luck expecting insurance to kick in to help. This is not some rinky-dink employer - this is Daimler. My daughter is now 25 - no medical insurance. My son is 26 & pays $500. PER semester for medical insurance at UT (required or you can't take classes). My son's insurance is better than Daimler's. My point is simply this - I do understand how hard it is. However - I also have watched the govt. pay for health care for a lot of people & their kids, while OUR stack of unpaid medical bills keeps climbing higher & higher. I think it's a gross misconception that some people assume if your employer offers medical coverage it's even close to adequate. Even at Daimler's 'best' coverage years - it never, ever covered a lot of the bills - we always got stuck with huge bills from ER, doctors, office calls, lab work, xrays, etc. My point - is that I am tired of hearing how people expect the govt to pay for their kids medical expenses because that money comes from somewhere - tax dollars - meaning that taxpayers pay for it. I'm sorry if I sound angry - but nobody pays for our medical bills, never has. Welcome to the real world.

I too have beed on both sides. I'm not suggesting the Goverment pay for it. You l can look at it as managment. In my suggestion the non-custodial would be paying the state and child support would be deducting the now required $100.00 from the custodial. Believe me I'm sick of it to, everyday I drive to work and pass people sitting on thier porches drinking and smoking off my tax dollars when I can't afford to keep gas in my tank. I am right on the line, I make to much to get any help and not enough to get by. I know I'm not the only one. And when it comes to med bills pilling up...Starling, I have diabities, high blood pressure, lupus, and an enlarged heart with no insurance. Yea, I know I would qualify for SSDI but you know what I can get up for work every morning and be a productive citizen. So I do not just do it for me but as an example for my children. You make it sound as if I'm looking for a better way to skate the system, not so. I pay taxes. I'm just looking for a better way to help our children.

"The state covers the children for their medical, dental, and optical care within the same guidelines as they due now for any other child on Medicaid."
The costs of health care are tied to profits.
Doctors, etc., want to make a profit. How does the idea proposed deal with the rising health care costs.
"Believe me I'm sick of it to, everyday I drive to work and pass people sitting on thier porches drinking and smoking off my tax dollars when I can't afford to keep gas in my tank."
Why the allegation that someone who is sitting on the porch is doing something wrong? People work shift work and the persons could be at home after shift work. People who sit on the porch and smoke and drink are on public assistance?
"I am right on the line, I make to much to get any help and not enough to get by."
I fall in the no mans land of making of having a family that makes too much and has a house and cannot qualify for help. And I have type two diabetes and higher than normal cholesterol and chronic pain and have no insurance and cannot afford the plans offered which would not cover my pre-existing conditions.
The idea you put forward has some merit, but with the government involvement, the resistance to the idea will come, as it is considered socialized medicine, yet the cost for individual plans is out of site and there are over 47 million people uninsured.

Why the allegation that someone who is sitting on the porch is doing something wrong? People work shift work and the persons could be at home after shift work.

Please excuse my moment of stupidity. I apologize to everyone. It's just infuriates me thinking about all the people abusing the system.
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I fall in the no mans land of making of having a family that makes too much and has a house and cannot qualify for help.

That's one of the problems. There are too many of us that fall into this category. How do we fix it.
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How does the idea proposed deal with the rising health care costs.

Every three years parents have the option to have their child support reviewed. I would suggest the review be mandatory and at the same time review the average cost to the state for Medicaid coverage and adjust it as fit.

"I would suggest the review be mandatory and at the same time review the
average cost to the state for Medicaid coverage and adjust it as fit."

Good idea, but, with the costs associated with health care going up yearly, what influence would we have to lower costs?

The health industry is profit driven.

eastsider - I was not suggesting you were trying to take advantage of the system. I"m sorry if I sounded harsh - but I am doubly angry about health care for other people's kids because as a smoker, I already pay far more for OTHER people's kids medical care than non-smokers do. And it will get worse when they raise tobacco taxes, yet again, to pay for SCHIPS. Meanwhile, the only govt handout I ever saw was for one year, 37 years ago, for ADC for my oldest son. Nobody has helped us pay for our 3 kids medical expenses. We make too much to qualify for govt assistance & not enough for private pay insurance. I have a few health issues I simply don't go to a doctor for - I can't justify the expense. (I'd better by dying before I go to a hospital or doctor). On the other hand, my kids never went without health,vision or dental care - even if it meant being late on other bills. Sometimes, there were long lapses between visits - but if they needed care, they got it & I worried about the bills when they came in the mail. (and medical providers can be a pain in the ass phone debt collecting). Even after my kids were no longer "covered' on Daimler's health plan because of their age, I still made sure their teeth & medical needs were taken care of - out of pocket (at great expense, some of which I am still paying on, 4 or more years after the fact).

I realize that your proposal suggests that the cash comes from the non-custodial parent - but I have a hunch, that the govt will get it's paws in it, someway to implement it. And, SCHIPS is short of cash since the smoking bans, so govt is crying about 'not enough money to fund it" - & guess where they'll "find" that money to fund it? By raising tobacco taxes again. Or alcohol. And to me, that is expecting a minority to pay for a majority of lower income people to get care & services that we can't ourselves, afford.

..and I am sorry your ex-husband was in contempt of court. He should have been arrested and jailed.

Now, on to the rest of your suggestion.

Medicaid is paid by taxpayers. I am a taxpayer.

Therefore, since you are using MY money for healthcare for YOUR children, I am fully within my rights to:

1) demand and force you to ONLY feed your kids food that is low in trans fats
2) force you to NEVER eat at Burger King or I refuse to pay for your childrens obesity problems and future diabetes issues
3) you are required to NEVER go out to eat unless you can provide proof that the menu you select for your child is pre-approved by the Department of Health
4) you are required to ALWAYS make your kids wear seat belts, helmets and full padding whenever driving in a car.

There are MANY more demands that can be made AND HAVE BEEN MADE UPON SMOKERS. So if you don't think it can AND WILL happen, look at all the laws regarding smokers rights, the lawsuits against tobacco companies, and all the research done on second-hand smoke.

Don't blame me,
I didn't vote for a
socialist.

Bravo, libs!

I think your missing the point, I'm NOT suggesting YOUR tax dollors our MINE or any other taxpayer. Maybe you should read it again? The goverment already steps in to make sure child suport is taken and they do take thier share. I'm just suggesting a type of managment.

Starling, I to0 sounded harsh and I'm sorry.

And to me, that is expecting a minority to pay for a majority of lower income people to get care & services that we can't ourselves, afford.

I am a smoker. I can see it now, I think you just got us into a different fight. I can hear the non-smokers now gritting their pearly white teeth.
May the force be with us!
I hope you have your light saber, I've got mine and if you don't I have an extra one with a surgeon's general warning on the label.

The health industry is profit driven.

I understand, yet how do they manage this now in regards to medicaid?

Well, from what I know of Medicaid, there are exclusions and limitiations.

 

There is also fraudulent suppliers for Medicaid.


The health industry does not regulate the amount Medicaid pays, Medicaid does.

 

And some doctors and hospitals refuse to accept Medicaid payments as the amount they pay is to low.

 

Would caps of some sort be the answer, as in how profit a business can make on health care? But then that would conflict with business principals.

 

People do not want government involvement in a wider reform of the health care needs of the nation and yet there are more and more that do not have or cannot afford health care, and that impacts us all.

 

The answer lies somewhere in between the two ends of the arguement.

I am not proposing using taxpayer money. If this is how my proposal seems . I have posted my letter to get good constructive advise on how to tweak this idea. If it sounds as if taxpayer money is used than please give me some suggestions on verbiage. I really do think this could be a step in the right direction. We need something positive to jump start our healthcare problem. What better way than to start with our children?

And it was being used because you "would fulfill my obligation yet their father would not" and "Not to mention on numerous occasions he would refuse to give me any insurance information because he didn’t want me to take them to the doctors and cause more bills"

So the bottom line, your ex husband was a slacker.

There are already laws that require HIM to carry health insurance. I am sure that is part of your divorce decree.

Why is HIS lack of responsibility MY and YOUR problem? And IF your ex was responsible, YOU WOULD NOT HAVE HAD SUCH PROBLEMS and would never have had to get Medicaid.

Don't blame me,
I didn't vote for a
socialist.

eastsider - I admit that since the smoking ban was passed 'for the children', and children were prostituted in the media to pass the smoking ban (even if it was just reading their lines), and since the ACS used cancer cure donation monies to pass the smoking ban (and is under investigation by the IRS & had to invent a sister corp. to retain their 'non-profit' status) - all for the children - and since many small business owners are suffering financially due to the ban (for the children) - their rights as private business owners having been taken away (for the children) - I admit that, even though I am a mom (my kids are grown) - I am bone weary of hearing 'for the children. If you are also a smoker, you realize that tobacco taxes keep getting raised to pay for medical care for SCHIPS & low income people with no insurance - even though we, as smokers - also cannot afford medical care for us or our children. I"m not sure if you're aware of this, but SCHIPS money is available to families of 4 who earn up to $83,000 a year (depending on state) - not poor at all, but OUR tobacco tax dollars are paying for THEIR children's health care. The majority of SCHIPS moneies is used by illegal Mexicans. The largest, most baby producing hospital in the country is in Texas (Dallas, if I recall) - & 45 percent of those babies born daily are illegal Mexicans (who become citizens with full rights as citizens simply by being born here) - & their & their mothers medical expenses are paid for, by SCHIPS (our tobacco tax dollars). My sister lives in Texas, and said that the SCHIPS program has been in force there for 10 years & most of those who benefit from it, are illegals. I realize, that my thinking is half-cocked on this, and it doesn't necessarily make a lot of sense - and I also realize, that I do not fully understand the problems you're referring to - & I realize, that I probably come off sounding like a bit of whacko when I say I am sick to death of hearing "it's for the children". So much so, that I refuse vote for another school levy, that doesnt' even have anything to DO with all of this - but that's how angry I am about it all. I look at my huge stack of medical bills - some go back 5 years that I am still trying to pay down (for me, my husband & 2 kids, now grown) - that nobody but us will pay for - and I get angry when I see how many other people's kids are getting free health care, while my kids never did. .....sorry for the rant, blowing off steam. Anyway - I'm not upset with you, at all. I am upset that in this great country of ours, if you are very poor or very rich, your health care problems are solved. But middle America is the big chunk that seems to get lost in the shuffle. I worry how this country is taking away freedoms - & it's for 'the kids'. And it won't stop with smoking bans - that was the easy thing to pass, because we're the 'unpopular group'. But it set the stage for other bans & freedoms taken away. I also admit, I don't know if SCHIPS & medicade are connected - or how any of it works. Maybe if they heavily taxed beer or martinis or Coach handbags or ......to pay for our kids medical care.................................instead of tobacco.
At any rate, you seem like a very nice & funny person & I have no issues with you at all. I'm in a mood & am just venting to vent - so please dont bitch me out over this.

You are correct in your points.
This is what I am suggesting...
The state already deducts ordered child support so I am suggesting deducting an additional from his /her pay for the state for medical care therefore for going any taxpayer money. It's not the taxpayer responsibility.

I need some time to digest what you have said, First of all I would never bitch anyone out for thier heart felt thought s and beliefs. I praise people for standing up for what they believe in. I do agree on your thoughts for the smoking ban (saber activated) and agree, a lot of business's suffer.
I posted this thought because i wanted us, all of us, to discuss our stand and I had hoped we could, as a community, throw some ideas out that could possible make an impact.
Middle America? Really what do we do?

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