Why the opposition to SCHIP?

[ladiesbballcoach]

Anyone know?

[bballfamily]

It was passed back in late the 1990's and it was intended for low income children. It has been expanded to include children of parents who have or can afford insurance. The opposition argues why cover people who can affford it. It is believed by some this is a backdoor method to gain government issued insurance. This progam was tried by Hawaii and because so many people who their own insurance dropped it to get the government backed insurance, the program was dropped after huge cost overruns.

[ladiesbballcoach]

So, whose kids are available that were not previously. Would two kids that have public school educators for parents be covered and free me up some income to reinvest in the economy?

[acemona]

So, whose kids are available that were not previously. Would two kids that have public school educators for parents be covered and free me up some income to reinvest in the economy?

 

Story on CNN told of family making around 50,000.00. Father had lost job and insurance and took a lower paying job without insurance . . . good for him btw, but the family could not afford health insurance for the kids. They will now qualify under the program where they wouldn't have before.

[eccheer]

In Kentucky, there is also a program that will pay the employment insurance premium therefore allowing families with lower paying positions to remain on the employers policy.

 

Also, government funded insurance is "payer of last choice" so a child could qualify for medical coverage based upon their families income, but the governments policy would only pay the deductibles or non-reasonable costs that a lot of insurance plans disqualify.

 

With increasing costs of EVERYTHING (food, gas etc) a lot of families making what once was a decent wage, can no longer afford to pay the ever increasing insurance premiums. As a state employee, if I select family coverage (luckily I don't have to because we are covered on my hubby's policy) my monthly premium would be approximately $600.

[bballfamily]

It is one thing for a family that has lost their income, but this new SCHIP bill allows wage earners of up to $68,000, who have jobs, to have the government to pay for their childrens insurance. they earn enough to pay their own. They do not need government assitance, lets save that money for those few who really might need it.

[acemona]

It is one thing for a family that has lost their income, but this new SCHIP bill allows wage earners of up to $68,000, who have jobs, to have the government to pay for their childrens insurance. they earn enough to pay their own. They do not need government assitance, lets save that money for those few who really might need it.

 

Do you really think a family of four making 68,000.00 can afford health insurance for the entire family???

[Newman]

Do you really think a family of four making 68,000.00 can afford health insurance for the entire family???

 

Not if they smoke.

[bballfamily]

Do you really think a family of four making 68,000.00 can afford health insurance for the entire family???

 

Yes

[2 Humped Camel]

Yes

 

Around here I would tend to agree with you but in other areas like CA with a much higher cost of living no; and these federal bills have to take that into consideration.

[acemona]

Yes

 

What does private insurance cost for a family of four, any idea?

 

Mortgage - 1200.00

Car - 200

heat - 200 (monthly average on the conservative side)

elec - 200

Groceries - 600

gas for car - 200

Car Ins. - 150

 

i am up to almost 3000 a month already just playing around, which is 36,000 a year. 68000 AGI is actually around 57,800 - 36,000 is 21,000. I don't have home insurance here and many other things.

 

lets be conservative and say family of four insurance is 1200.00 per month so that is 14,400.00 per year. Only 7000 to play with for clothes and other incidentals.

 

not going to happen. Especially in you live in the northeast, and I am not talking about Ashland

[mcpapa]

Do you really think a family of four making 68,000.00 can afford health insurance for the entire family???

 

Take-home MIGHT be $50,000/year.

 

Mortgage/rent, utilities, telephone, insurance, property tax, etc. $14,000

Private health insurance, family plan $15,000

Vehicle - payment/gas/maintenance/insurance $7,000 (assuming only 1)

Food - $8,000

Clothing - $4,000

 

What do we have left? First, what health insurance does NOT pay, which is plenty. Co-pays on everything from scrips to office visits; and pray that one of the family never needs to go to the hospital.

 

Life insurance?

Saving for college for those two children?

Vacation?

The collection plate at church?

Investments, 401K?

Second vehicle?

Child care?

 

$2,000 a year for all of the above. Better have a cheap babysitter, a relative with a beach house, a free college and REALLY healthy family members.

Edited February 6, 2009 by mcpapa
Fat fingers

[ladiesbballcoach]

Do you really think a family of four making 68,000.00 can afford health insurance for the entire family???

 

My wife and I do. So, yes. Know it for a fact.

 

My mom and dad couldn't afford some bills growing up. They didn't whine about it and wait for the government to do something about it.

 

They grew a garden to save money. Bought a beef to cut down on their food bill. They got parttime jobs to earn extra money. Mom fixed our clothes instead of buying new ones. They worked overtime when they could. THey were not wasteful and made sure we were not wasteful. They did without so that my sister and I could have more. And we did without. No cable. No satellite. No extra bills that were not needs.

 

And I am better for it because of that.

 

We are not growing a healthy society that is looking to have their needs satisfied without some sacrifice on their part.

 

I see people on a government check drop off and pick up kids in $30-40 thousand dollar vehicles. With tattoos up and down their arms or their children's arms, smoking cigarettes left and right and talking about what they watched on satellite last night.

 

And they expect all of those things because of the mindset if the rich have it, then it is only right that they have it to. And they are told they are right.

 

This country is in trouble. Serious trouble because the heart and work ethic of America is not in the right place.

[mcpapa]

My wife and I do. So, yes. Know it for a fact.

 

My mom and dad couldn't afford some bills growing up. They didn't whine about it and wait for the government to do something about it.

 

They grew a garden to save money. Bought a beef to cut down on their food bill. They got parttime jobs to earn extra money. Mom fixed our clothes instead of buying new ones. They worked overtime when they could. THey were not wasteful and made sure we were not wasteful. They did without so that my sister and I could have more. And we did without. No cable. No satellite. No extra bills that were not needs.

 

And I am better for it because of that.

 

We are not growing a healthy society that is looking to have their needs satisfied without some sacrifice on their part.

 

I see people on a government check drop off and pick up kids in $30-40 thousand dollar vehicles. With tattoos up and down their arms or their children's arms, smoking cigarettes left and right and talking about what they watched on satellite last night.

 

And they expect all of those things because of the mindset if the rich have it, then it is only right that they have it to. And they are told they are right.

 

This country is in trouble. Serious trouble because the heart and work ethic of America is not in the right place.

 

I do applaud you for the sacrifices that you and your family have made.

 

Is the cost of the family health insurance partially subsidized by an employer, or is it truly "private"?

[cch5432]

Do you really think a family of four making 68,000.00 can afford health insurance for the entire family???

 

Without making sacrifices, absolutely not. The thing is, I'd wager that a lot of today's middle class grew up in households where huge sacrifices were made so that they could reach the place where they are today. I don't think my dad had air conditioning till he was in his 20's, and he had to pay off his student loans and my mom's student loans once they got married.

Edited February 6, 2009 by cch5432