Silencer, on 21 May 2013 - 10:38 AM, said:
Defiance, on 21 May 2013 - 05:10 AM, said:
Stressing about lots of big bills coming up, the fact that we can't afford insurance, and trying to find a job that fits with my very restrictive schedule. Couple this with the fact that I've been feeling very down lately and I'm just in a piss-poor mood overall. It's nice not to be on the government's dime anymore, but I can see why many families just say fuck it and stay on Medicaid and Food Stamps. When making just a dollar more per hours suddenly means you're getting $200 less in food and no more medical insurance, where's the motivation to better your situation? Regardless, we have no desire to be back on any programs again, but that's more because of our own outlook rather than the system being effective.
The one bit of possibly bright news is that there's a decent chance I'll be able to get a position at CVS Pharmacy. The job will probably be boring as hell and I'm sure the pay will be a mediocre $8 to $8.50 an hour to start, but I need the money so that the family doesn't starve come August.
I don't really understand the logic of any cut-off point for aid. It's the same thing with student allowances and people at my work - they only work a couple of nights a week, because if they did a full week (like they would be willing to) or even stay too late, they earn too much and *poof* no more student allowance - a difference which the extra work wouldn't make up for. Why not gradate it so that people working more actually still get the difference, rather than, as you say, discouraging people from working because they're suddenly a couple hundred dollars worse off for an extra dollar of real, hard-earned money? Is the stuff you earn yourself somehow worth more at the store? No? So why the fuck would the system assume that once you're earning a certain amount still less than what you're getting then you're fine? O.o
Ass-backwards, that's what it is...
Yeah, it's fucked up mate. My girlfriend and her son cost $270 per month to insure, yet they still have to meet a $3000 deductible for the insurance company to pay anything. Meeting the deductible is basically impossible unless someone is hospitalized or has a major procedure. Given that we have a 5 year old kid, we're at the doctor's every month or two, which means she's paying anywhere between $270 and $400 a month for health insurance since the deductible is never going to get met.
We've come to the decision that it simply isn't worth paying for. It would be more beneficial to just put $300 into a bank account every month for emergency situations. The only person who really needs insurance is the kid, and there's a great program in our state called Hawk-I. For $20 a month he'll get health insurance that is better than anything we could get elsewhere. Deductible free and all of the regulars (shots, prescription drugs, doctor visits, etc.) are all paid by the insurance company. It's only offered for families under a certain income, but we make nowhere near the limit.
It's hard to wrap my head around. We have to make some changes, such as no more depo shot (which Medicaid covers in Iowa, which I thought was smart - it's cheaper for the government to pay for prevention than to pay for another kid), but that's fine with me. $250 to get a shot every three months is ridiculous, especially when it makes you gain weight and throws your hormones out of whack. $1000 of birth control shots or $50 of condoms? Sure rubber isn't all that great but I'll take it over the alternative any day, especially when it's fucking with her hormones.
Meh, rambled a bit much there, but health insurance has been pissing me off lately.
This post has been edited by Defiance: 22 May 2013 - 08:21 PM