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Re: Insurance as required by law [message #10311 is a reply to message #10308 ] Fri, 15 November 2013 05:51 Go to previous messageGo to next message
GWB  is currently offline GWB
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Location: Louisville, Ky area
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Actually, I am relieved that it is finally out of the closet!

It is miserable battling this alone. Laughing

OK. I will eliminate one color at a time until I get a handle on it. Laughing


Yes, the Band Aids were mild in comparison. I was policed by a busy body as to why I was not having another baby yet!!! My last baby was months old. Long story and it was NONE of her business in the first place! Glad I did not have the Gummy Bear addiction then.

I would simply have crumbled because her opinion mattered so much!! Laughing Laughing


Beating myself on the head..... insurance, insurance, insurance!!!

[Updated on: Fri, 15 November 2013 05:54]


Shalom,

GWB

"Be still and know that I am God."
Re: Insurance as required by law [message #10312 is a reply to message #10311 ] Fri, 15 November 2013 08:30 Go to previous messageGo to next message
james  is currently offline james
Messages: 1932
Registered: April 2008
Location: Birmingham, AL
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Note to Gillyann and anyone else trying to PM me, my private message folder 'says' it's filled beyond 100%(although I went in and deleted several 'pages' of PM's, the folder didn't move from the 100% full graph) Until William can come to my aid I don't have the ability to PM...so much for asking those with questions to PM me.lol I have received the messages, I just can't reply, forward, or quote... Rolling Eyes Great timing, eh? How do you remove egg from your face? LOL

Reminds me of the excuses the government gave about the HealthCare website.LOL


Help William...The Lord helped me figure it out...I got plently of space now...He helps with the simple and the complex issues, and He helps those who are 'simple'... Smile

[Updated on: Fri, 15 November 2013 11:11]


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #10313 is a reply to message #10312 ] Fri, 15 November 2013 10:01 Go to previous messageGo to next message
GWB  is currently offline GWB
Messages: 713
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Location: Louisville, Ky area
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It is OK, James. It's all good. Smile


Shalom,

GWB

"Be still and know that I am God."
Re: Insurance as required by law [message #10314 is a reply to message #10312 ] Fri, 15 November 2013 12:50 Go to previous messageGo to next message
william  is currently offline william
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It's been a long time since I've run out of space in the Private Messaging folder but if I remember it right you not only have to delete some messages but you need to go to the Trash folder and empty it as well.

Blessings,
William

[Updated on: Fri, 15 November 2013 12:52]


I want to believe!
Re: Insurance as required by law [message #10333 is a reply to message #10314 ] Sun, 17 November 2013 05:50 Go to previous messageGo to next message
Gary  is currently offline Gary
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Registered: August 2008
Location: Indiana
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James,

I would like to ask one public question on this Obamacare.

Do they make a clause for religious groups or convictions?

I was wondering about some groups who do not get involved with society or medical science, for instance; like the Amish, etc.

I have been told that the Amish and other groups do not pay social security, but don't know if this is true or not. I think the minister across the street from me who is AOG, told me he does not pay social security. Can anyone refuse to pay social security as well?

I just wondered if they have a clause in this new law, allowing some loop hole.


Gary












Re: Insurance as required by law [message #10337 is a reply to message #10333 ] Sun, 17 November 2013 11:40 Go to previous messageGo to next message
james  is currently offline james
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There are exemptions available to those with 'religious' objections, but, it has to be a religious group/organisation that's approved by the government(people who have exempted out of Social Security, ect. due to the belief system of their denomination) There have been options to get out of paying SS for many years to religious 'ministers', I've know a few people who got 'ordained' within a certain denomination just to not pay SS....BUT now as they are approaching retirement age they are sorry they did. In fact, as a self employed person most of my life I was advised to do the same(since we have to pay the whole SS amount<twice what employed people pay>) but thought better of it...now I'm glad cause I'm now of that age.lol

You can click on the link I provided to the website and type in 'exemptions' in the "search" box and see every exemption allowable. You don't have to give personal info to find answers, including the cost of various insurance plans offered in the marketplace.

[Updated on: Sun, 17 November 2013 11:45]


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #10348 is a reply to message #10337 ] Tue, 19 November 2013 04:47 Go to previous messageGo to next message
Gary  is currently offline Gary
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Location: Indiana
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James,

Thanks for replying here, I did have one more question that I'll just ask here it may apply to others but may not.

Thanks for being kind enough to share this I know most want a big fee for information.

I was told by some young person who works in the banking system that it is better to draw SS as soon as you turn of age, and not to wait.

The problem with what he said is that, if you wait till your 65 or 66 whatever it is, that a person would receive double the money each month. It seems to me that it is better to wait why the rush anyway.

There seems to be a ton of opinions on this, but is it better to wait? Or is there something going on we don't know about that you should get what you paid in, right off the bat?

Hope that makes sense.

Again thanks for sharing this information, I know its not insurance related, not trying to change the thread here but I have wondered about all of this.

Gary







Re: Insurance as required by law [message #10350 is a reply to message #10348 ] Tue, 19 November 2013 08:38 Go to previous messageGo to next message
james  is currently offline james
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Location: Birmingham, AL
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It isn't 'double'... early retirement[62] pays 75% of full amount. Age 66 pays 100% and waiting until 70 pays 125%. It changes in increments of about 5% per year.

It's a personal choice based on need, and/or whether or not one believes 'it'll still be there or not'(get what you can while you can, mentality).

I made a chart for myself and figured it until age 100...by waiting until full age[66] I would/will receive about $150,000 more than drawing now(I'm already 62<July>) You can go online to the Social Security website and find your work history and earnings and get a good estimate of what you would draw at retirement.

Hopely it'll still be there but if not........"My God shall supply ALL my needs..." meanwhile I'll...."Trust in The Lord with ALL mine heart...", knowing He will direct my steps.

Charge a fee? Rolling Eyes


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #10952 is a reply to message #10350 ] Tue, 18 March 2014 09:47 Go to previous messageGo to next message
james  is currently offline james
Messages: 1932
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Location: Birmingham, AL
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Just for the record (not that anyone here is keeping one) I have complied with the Affordable Healthcare law, I now have health insurance. Not mentioning this to influence anyone or even suggest what they should do, just wanted to be transparent since I've been so quick to vocalize my views and opinions in the past.

Also while I'm on the subject of health. I can't go back and change everything I've ever said/written over these last 6 years, but my convictions concerning people being in the healthcare field, using medical science, taking medicines...have changed. I no longer believe Christians seeking help from others (doctors/nurses/dentist) are missing The Lord. To those I might have hurt or offended by my words and attitude, I ask your forgiveness...especially Gillyann. I'm sorry sister.


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #10959 is a reply to message #10952 ] Wed, 19 March 2014 11:06 Go to previous messageGo to next message
william  is currently offline william
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Quote:

Just for the record (not that anyone here is keeping one) I have complied with the Affordable Healthcare law,


I really haven't had a chance to look into the new law so at this point I'm non-compliant... any tips you can give a fellow Alabamian would be appreciated! (Just kidding, I know this is your busy time!)

I just finished doing my taxes (earliest ever) and it looks like the rates have increased... and that's without the insurance stuff!

Blessings,
William


I want to believe!
Re: Insurance as required by law [message #11545 is a reply to message #10959 ] Tue, 24 March 2015 08:32 Go to previous messageGo to next message
james  is currently offline james
Messages: 1932
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Now that the first tax season that includes the Affordable Care Act (widely referred to as ObamaCare) is drawing to a close, I've witnessed varying opinions on it. Most are against it and those who have had to pay a penalty still come out ahead when considering the overall cost of a years coverage against the amount of the penalty. Yet for those who beforehand couldn't afford the high cost of insurance due to their income, it is welcomed.

Many are holding out hope that the next president and future congress will abolish the law...


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #11548 is a reply to message #11545 ] Fri, 27 March 2015 08:56 Go to previous messageGo to next message
james  is currently offline james
Messages: 1932
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President Obama came to Birmingham yesterday for a meeting with local and state leaders about financial issues. I listened to part of his speech this morning and I must say I'm in agreement with him on this issue. Gasp! Payday Loans and Title Loans; he pointed out that there are four times (4X) more Payday Loan businesses in Alabama than McDonalds...and we know there's a McDonalds almost everywhere. Payday Loan and Title Loan companies are the biggest example of legalized loansharking there is. It's far worse than the credit card industry, and we know what a rip-off that is. They bleed people to death with interest charges and entrap them when they can't afford to repay the loan with the interest. So then people get another loan to repay the first loan and then they caught up in a vicious cycle of debt that is almost impossible for them to get free of. A person puts up the title for their car for a few hundred bucks and then can't repay it and whamo! they now don't have a car to go back and forth to work and next they're unemployed and can never repay the loan. As a society many has watched movies about the 'wiseguys' and mafia (organized crime) than are in most large cities....the only difference is the penalty for not being able to repay...Payday Loan companies don't break your legs, they just break you financially within the current accepted legal system.

He made this comment(paraphrased)... Conservative people in Alabama read their Bible and see God don't say anything good about this practice(high interest/usery) and they say, "that ain't right!"

He's becoming a regular visitor to Alabama, he was down here in Selma a couple weeks ago for the 50 year anniversary of Black Sunday (the Selma to Montgomery march of 1965).

Just in the form of encouragement, The Bible tells us to pray for our leaders, knowing that there is no power but of God, and the powers that be are ordained of God. (Roman 13:1)


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #11925 is a reply to message #11548 ] Fri, 18 December 2015 08:40 Go to previous messageGo to next message
james  is currently offline james
Messages: 1932
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People refer to a so called learning curve when speaking of gaining new knowledge. Well, I've experienced it with the Affordable Health Care Act, and after having it (health insurance)for two years(2014-2015), I can no longer 'afford it'. I'm dropping it effective December 31. After the first year the carrier I had (Blue Cross BlueShield) went up by about $50 per month; I moved on to Humana. After this year I got a notice that next years premiums would increase by about $60 per month. I figure enough is enough, I'm done with it.

I'll pay the penalty and sign up for Medicare when I turn 65. What a messed up system...greed, corruption, confusion, and soaring prices...insurance companies, drug companies, hospitals, and medical providers. All at the expense of the taxpaying citizens and future generations. I already knew this from observation; now I know it from experience. Supposedly this was instituted to 'help' people...I hope somewhere it has, though I doubt over all if it has...other than make those greedy companies richer.


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #11926 is a reply to message #11925 ] Fri, 18 December 2015 10:09 Go to previous messageGo to next message
william  is currently offline william
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I'm glad you did the research... that saves me a bunch of money and time!


Blessings,
William


I want to believe!
Re: Insurance as required by law [message #11927 is a reply to message #11926 ] Sat, 19 December 2015 07:51 Go to previous messageGo to next message
Gary  is currently offline Gary
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Location: Indiana
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william wrote on Fri, 18 December 2015 11:09

I'm glad you did the research... that saves me a bunch of money and time!


Blessings,
William



You have a real sense of humor William.

In my case I've been fortunate enough to hide behind the fact that I'm a veteran and I don't have to sign up.

It's definitely a racket and money is the motivation.

What I think is strange is when a business hires people and tells them we have benefits. Then when a person gets on at the place of employment they find out they have to pay for the benefits out of pocket. You just get a reduced rate by it being in with a large group of people who sign up together, on the same plan.

The problem is when you go to use the plan, insurance only pays a small portion and you end up paying out of pocket for the service you need. I have dental insurance and I just want any fillings maintained and regular cleanings, but the dentist wants to put in a bridge, with a root canal, costing around $6000., with the extra bells and whistles, but the insurance company refuses to pay.

Needless to say I have turned to a lot of extra brushing, with lots of listerine.

Concerning signing up for medicare, I don't know anything about it, someone said you have to make sure you get the right plan because they thought you locked into it and could not change it. If you figure that mess out please tell us what the best plan is.

I don't know what is the best solution, I'm still not a big fan of the medical profession, what little involvement I've had I felt like a lab rat paying for someones summer home in the Caribbean.


Gary


Re: Insurance as required by law [message #11928 is a reply to message #11927 ] Sat, 19 December 2015 10:35 Go to previous messageGo to next message
william  is currently offline william
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Quote:

You have a real sense of humor William.
...
...
...
I'm still not a big fan of the medical profession, what little involvement I've had I felt like a lab rat paying for someones summer home in the Caribbean.


Right back at ya Gary!


I want to believe!
Re: Insurance as required by law [message #11929 is a reply to message #11928 ] Tue, 22 December 2015 17:52 Go to previous messageGo to next message
Gary  is currently offline Gary
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Someone sent me an email and I think the information is accurate but don't know for sure. In this email is information that everyone needs to be aware of concerning Medicare.

It starts out with three key points:

1. If you do not enroll in Medicare on time, you will pay a monthly penalty.

2. If you do not get the right private insurance to go with Medicare, you may pay too much in premiums or out-of-pocket costs.

3. If you do not plan for higher health care costs in retirement, you could run out of money or not be able to get the care you need.

Sixty five seems to be the golden number when you have to sign up, but from there you have to choose a plan. There's 51 pages in this report that involves signing up. There's four parts to Medicare, part A, part B, part C, and part d.

Understanding this whole mess sounds like a nightmare. There's rules and time limits on all these parts and once you lock in I don't think you can turn around and switch to other parts.

Its like anything in life, when you don't understand something, it takes time to try and understand it and then you can make a good decision. In this case you cannot try anything you have to jump right in and make a decision.

I think if you sign up for Medicare you still have to have some type of insurance, but not for sure on that.

Whatever happen to the simplicity of Life?



Gary






Re: Insurance as required by law [message #11930 is a reply to message #11929 ] Wed, 23 December 2015 15:08 Go to previous messageGo to next message
james  is currently offline james
Messages: 1932
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I don't think those 'points' are 100% accurate, but there are some things that ring true based on the system. I will be researching it to the best of my ability this tax season since I'll be turning 65 in July. I do know there is a 3 month window on either side of the month we turn 65 to sign up. Also I believe the coverage from 'Medicare' that isn't as extensive as what most people have through private insurance carriers(know as supplemental plans A,B,C,D ect) . They offer these additional coverage plans for an aditional premium (about $1,300 per year which is taken out of the monthly checks.)

The third point is true, I see quite a few seniors spending the majority of their social security benefits on health care and then it's not enough to cover what is know in their circles as 'quality healthcare'.


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #11931 is a reply to message #11930 ] Thu, 24 December 2015 04:59 Go to previous messageGo to next message
Gary  is currently offline Gary
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james wrote on Wed, 23 December 2015 16:08

I don't think those 'points' are 100% accurate, but there are some things that ring true based on the system. I will be researching it to the best of my ability this tax season since I'll be turning 65 in July. I do know there is a 3 month window on either side of the month we turn 65 to sign up. Also I believe the coverage from 'Medicare' that isn't as extensive as what most people have through private insurance carriers(know as supplemental plans A,B,C,D ect). They offer these additional coverage plans for an additional premium (about $1,300 per year which is taken out of the monthly checks.)

The third point is true, I see quite a few seniors spending the majority of their social security benefits on health care and then it's not enough to cover what is know in their circles as 'quality healthcare'.


Thanks for this information or any you share in the future, I have confidence in what you say.

Everyone I talk to seems to have a different perspective on what to do. For instance, concerning social security, someone told me if you don't sign up when your 62 that your losing a lot of money. At 66, I think it is, you get a larger amount and I think your allowed to work on the side but I think its a limited amount, and they tax you for the social security your drawing out. At least this is what some banker guru told me.

Anyway everyone I talk to seems to think its total confusion sorting through the whole mess.


Gary









[Updated on: Thu, 24 December 2015 05:01]

Re: Insurance as required by law [message #11932 is a reply to message #11931 ] Thu, 24 December 2015 10:52 Go to previous messageGo to next message
james  is currently offline james
Messages: 1932
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Go back up the page about half way to message 10350, I shared a bit on how it works. Like I said in that post, you can make a chart and just do the math and see the different amounts you would receive based on life expectancy...


"For by grace are ye saved through faith; and that not of yourselves: it is the gift of God."
Re: Insurance as required by law [message #11933 is a reply to message #11932 ] Fri, 25 December 2015 06:20 Go to previous message
Gary  is currently offline Gary
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james wrote on Thu, 24 December 2015 11:52

Go back up the page about half way to message 10350, I shared a bit on how it works. Like I said in that post, you can make a chart and just do the math and see the different amounts you would receive based on life expectancy...


James wrote in message 10350:

Quote:



It isn't 'double'... early retirement[62] pays 75% of full amount. Age 66 pays 100% and waiting until 70 pays 125%. It changes in increments of about 5% per year.

It's a personal choice based on need, and/or whether or not one believes 'it'll still be there or not'(get what you can while you can, mentality).

I made a chart for myself and figured it until age 100...by waiting until full age[66] I would/will receive about $150,000 more than drawing now(I'm already 62<July>) You can go online to the Social Security website and find your work history and earnings and get a good estimate of what you would draw at retirement.

Hopely it'll still be there but if not........"My God shall supply ALL my needs..." meanwhile I'll...."Trust in The Lord with ALL mine heart...", knowing He will direct my steps.

Charge a fee? Rolling EyesIt




I'm not that great at making charts probably won't even do a power point presentation either. The 62, 66, and 70 information is good enough information for now.

Medicare is the one I think is total confusion.

There's a good chance I'll do something weird and fanatical, like thinking: God's going to help me to the very last breath.


Gary







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