This state/country is messed up

Military retirement after 20 years is 50%. You are typically young enough still to get another job.
 
I had an argument with an old HS buddy once. He became a fireman, retired at 50 then complained the 80% salary he was making wasn't enough. My point was that he should still be working a job and not be able to collect his pension until normal retirement age. That's one reason IL real estate taxes are astronomical, paying for crazy teacher and public servant retirement plans. I didn't begrudge him the money, just the early payments. He was still "healthy" at the time.
I couldn't touch my retirement funds without penalty before retirement age... He should have been the same.

Unfortunately a number of years later, he passed suddenly from a heart attack - was found on the floor in his home.
 
Sheesh, 50% guaranteed doesn't sound that terrible in the grand scheme. They don't get social security for the years as an LEO because they aren't paying into it. It's a pretty straight forward benefit...you gotta pay in to get out :)
Even then, there are some that get burned on their SS...if the WEP(Windall Elimination Provision) applies.
 
Yeah. Before the Affordable Care Act my healthcare for me, my wife and 2 kids was about $350/month. Now with just me and my wife it's a little over $1000/month (kids are on their own and have their own healthcare now)
 
Yeah. Before the Affordable Care Act my healthcare for me, my wife and 2 kids was about $350/month. Now with just me and my wife it's a little over $1000/month (kids are on their own and have their own healthcare now)
Ditto - I’m about $1400 with a $6k deductible. Have to pay 100% of the $6k. We use an HSA. I don’t necessarily have an issue with paying 100% for the flu, maybe a busted arm, etc….and maybe that’s the way visits should be instead of insurance covering every sniffle and scrape, but the premiums have become ridiculous…..and no, our Dr’s where we used to live didn’t stick around, so we didn’t get to keep them. We pay more in premiums than some people make a year after graduating college.
 
Yeah. Before the Affordable Care Act my healthcare for me, my wife and 2 kids was about $350/month. Now with just me and my wife it's a little over $1000/month (kids are on their own and have their own healthcare now)
We're paying over a 1,000 a month too but it's pretty good coverage. One treatment my wife gets quarterly is now about 25K a year, we pay nothing. The real ripoff is in the cost of services.
 
Ditto - I’m about $1400 with a $6k deductible. Have to pay 100% of the $6k. We use an HSA. I don’t necessarily have an issue with paying 100% for the flu, maybe a busted arm, etc….and maybe that’s the way visits should be instead of insurance covering every sniffle and scrape, but the premiums have become ridiculous…..and no, our Dr’s where we used to live didn’t stick around, so we didn’t get to keep them. We pay more in premiums than some people make a year after graduating college.
Our company changed insurance plans back in 2020... left BCBS for another company. Things were supposed to be the "same". As far as deductibles, they were the same. However, they "nickel and dimed" the providers and had a legal division that handled (negotiated) "Balance bills" because the providers would still bill us for additional fees after the insurance paid.
This year the major hospital provider that virtually all my doctors are a part of, decided that this insurance was a "limited benefit plan" and wouldn't even submit claims to them. Of course they didn't tell me this until after all the bills were past due and almost in collections. By the time I found this out, got the necessary paperwork from the provider and submitted the initial claims, stuff was in collections. I eventually had to get my HR involved to contact the insurance company reps to get things straightened out.
Our company got so fed up with all the BS and employee complaints that we are going back to BCBS in 2023...
 
We're paying over a 1,000 a month too but it's pretty good coverage. One treatment my wife gets quarterly is now about 25K a year, we pay nothing. The real ripoff is in the cost of services.
The actual cost or the billed cost? As a cancer survivor I used to get semi-annual CT scans. Invoiced cost was almost $5K. Insurance paid cost was under $500...
 
We're paying over a 1,000 a month too but it's pretty good coverage. One treatment my wife gets quarterly is now about 25K a year, we pay nothing. The real ripoff is in the cost of services.
Yeah I have a $500 deductible but even the $15,000 deductible plan was still gonna be about $800/month so since there wasn't much of a difference in premiums I went with the lowest deductible since I was having hernia surgery anyway. The surgery was about $37,000 total and I have to pay about $2000 after factoring in co-pays. Not a bad deal but when you figure in 3 years I have paid over $36,000 in premiums it really wasn't worth it. Sure there may be the bigger situations where you may need $500,000 in medical care and that's what we pay for but geez. To have my premiums jump almost 400% is not fun.
Then the other side of it is I don't go to the Dr. or hospital unless it's a true emergency cause I know it will cost me dearly. Folks on the welfare system go to the ER when they get a runny nose and pay nothing. And let's face it, the majority on welfare shouldn't be on welfare. Most are in better physical shape than me.
 
The real ripoff is in the cost of services.
Things started really going south when hospitals were required to treat anyone who showed up at the ER regardless of their ability to pay. Medical providers started milking those with insurance to make up for the ones who couldn’t pay.
 
I haven't had to pay for health insurance since 1996. Lucky enough to work for companies that paid the entire premium. Then, in 2004, my wife became an officer in her family's business which came with free healthcare. Her brothers took over the business from her dad and they are greedy pricks. She finally got tired of their bullshit and sold her stock back to the company. It was a good decision for her and us. But come June I have to buy health insurance again though my company. $673/month with a $1,500 family deductible. Then I pay 20% of claims until we hit the $6,000 max out-of-pocket. My wife is a type 1 diabetic and uses an insulin pump. The pump is $5K and we replace it every other year when the warranty runs out. Supplies are about $10-$12K per year. So HSA isn't an option for us. Sucks to have to pay again, but I understand how fortunate we have been. Plus the Admiral's buyout more than makes up for the insurance premiums...:cool:
 
I haven't had to pay for health insurance since 1996. Lucky enough to work for companies that paid the entire premium. Then, in 2004, my wife became an officer in her family's business which came with free healthcare. Her brothers took over the business from her dad and they are greedy pricks. She finally got tired of their bullshit and sold her stock back to the company. It was a good decision for her and us. But come June I have to buy health insurance again though my company. $673/month with a $1,500 family deductible. Then I pay 20% of claims until we hit the $6,000 max out-of-pocket. My wife is a type 1 diabetic and uses an insulin pump. The pump is $5K and we replace it every other year when the warranty runs out. Supplies are about $10-$12K per year. So HSA isn't an option for us. Sucks to have to pay again, but I understand how fortunate we have been. Plus the Admiral's buyout more than makes up for the insurance premiums...:cool:
If your company has an HSA look into it. You might be able to work it a bit to “win” every other year. It’s all based on timing. If you’re hitting the max it may as well be tax advantaged. The admiral has a chronic issue an that is what we do — creative scheduling.
 
Obamacare was the biggest bait and switch in history. Subsidize enough people’s premiums so the think they are getting a deal. Then they go broke when they use it. I’m flabbergasted that some people still think it’s great.

Listen.....Obamacare was/is a bait and switch on the middle class! You needed to be downright poor to realize a benefit (or have had no healthcare insurance whatsoever). And those are the people that Obama, Biden, Pelosi, Schumer get to point to and tout..... "What an overwhelming success the Affordable Care Act has been!." "40 million people now have health insurance that never did before!" Only, those folks are highly subsidized by you and me! So, yes it is "affordable!" The bottom line is that if you're middle class and you ain't gettin' subsidies...you're getting SCREWED with huge premiums and huge deductibles. End of story suckers.

Oh....and the backstory to Obamacare is that participating providers are made to jump through hoops to care for you the way they were trained to care for you (and the way you hoped to be cared for). Most everything is denied for payment until the provider's office sends in a bunch of shit first. Layer after layer of bureaucracy that the average patient doesn't even know about. It's an administrative nightmare behind the scenes. Sorry Barack but you created this monster.
 
My doctor stopped doing surgeries after Obamacare was enacted. Not sure of all the details but he is still working and I still go to him but he referred me to a different Dr for my hernia surgery, even though he has done hundreds of them.
 
We have a hospital about 1/4 mile from me that I can see from my deck. It closed about 3 or 4 years ago because of a scam involving Bidens brother. As far as I know he was not involved in this instance but the guy that was responsible had been in similar deals with Bidens brother. There are several hospitals that have been shut down by these guys.

https://www.cbsnews.com/pittsburgh/...nter-closure-with-ties-to-joe-bidens-brother/
 
what? You are really using some heavy dotted lines here to connect this theory to bide s brother. Oh boy the wonders of the interwebz


We have a hospital about 1/4 mile from me that I can see from my deck. It closed about 3 or 4 years ago because of a scam involving Bidens brother. As far as I know he was not involved in this instance but the guy that was responsible had been in similar deals with Bidens brother. There are several hospitals that have been shut down by these guys.

https://www.cbsnews.com/pittsburgh/...nter-closure-with-ties-to-joe-bidens-brother/
 

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