1st Kvetch
Wednesday, August 22, 2012
I recently left my old job to start a new one in New York City. I did this for multiple reasons; but the MAIN reason was, of course, money. I needed to make more money. Who doesn't? Well actually the people I work for don't - but I do. So I get this "raise". But genius that I am, I take the job with out really crunching the numbers. About 3 weeks into the job when I have my eyelids held open by toothpicks because I am so tired from the commute. I sit down and really look at my paycheck and realize I am making around $10.00 more per pay check. Why is this? I ask myself. And the answers stares glaringly at me from my deductions health care payments. Now, I don't mind paying money for health care if the money would go to cover my health care. But clearly from all the bills I have been getting from doctors and hospitals in the mail, the health care is going to cover ..... NOTHING! I have to pay $15,000 a year in premiums and do you know what that gives me? A $10,000 deductible and then FINALLY the insurance covers 100% of the bills. So let us do the math.... I pay $15,000 in premiums + $5,000 deductible then the insurance covers 80% and then when I have reached $10,000 out of pocket expense the insurance covers 100%. That is AT LEAST $20,000 out of pocket expenses before the insurance starts to cover ANYTHING and then after that, they only cover 80%. WHERE am I going to get $20,000 from?!? So I comfort myself with the thought that when I go into politics (yeah right) I will reform the health insurance industry.
