It’s been about 8 years since the window in my living room fogged up and my view of the world was a blur. I finally gathered up my pennies and had a new one recently installed. Ah, that’s better. A clear view. The dogs don’t even have to jump up to see out. No more damaged sills. =-)
The window broke about the same time Obama took office. I was devastated. Not feeling much different that the Hillary followers do now. Did anyone remember the Canadian Citizenship site crashed for many that faithful day also, just like when Trump was voted in? Nah, ‘Mericans’ memories are short. I remember I slumped into a slight depression, however hoped that the next 4 years would fly by uneventfully. Maybe the Democratic congress won’t totally screw the middle class… Ha. I’m still sore from the experience.
Gas prices went up to $5.00, my house’s worth dropped $100,000, jobs were no where to be found, foreclosures rose to new levels…. Ugh! Now you’re going to tell me you’re going to make me pay for insurance I don’t need (maternity, ect)? Good god, what is happening to this country??? Have we gone socialist???
The inauguration of Trump yesterday couldn’t have come fast enough in my opinion. It didn’t happen fast enough for folks signing up for healthcare for 2017. Sadly, we still had to conform to the healthcare plan where if you make more than $46,700.00, you’re part of the 1%!! Remember, that is gross salary, the take home there is only about $35,000. 00.
Last year, I had a silver plan with Land of Lincoln insurance, which cost me $330.00 a month ($3,960.00 for the year). It was the only health plan that was accepted at the 2 closest hospitals to me. Go figure, LOL insurance had to liquidate as of last October. I got on a crappy temporary plan for the last three months, and hoped I wouldn’t need medical attention.
When the market opened in November, I started searching for my next plan. I was utterly dumbfounded. There were no longer any companies accepted by the 2 closest hospitals to me, one 8 minutes away, the other 12 minutes. I will now need to travel 40 minutes to the closest hospital. What if I’m unconscious? I have added my request to my ICE in my phone, however I’m not about to wear a medical bracelet or tattoo my chest with, “BRING ME TO AN IN-NETWORK HOSPITAL!”.
So, not only am I forced to drive to another county to go to the hospital, a comparable silver plan to 2016 was now going to cost me $890.00 per month! That is nearly an additional $560 a month, totaling $10, 680.00 per year for insurance. That’s a helluva inflation rate! And I am stuck in a monopoly situation. There is only 1 insurance carrier for my county, BCBS. How the hell did that happen? Usually, here in ‘Merica, free trade and competition keeps prices down… However, not here in northern Illinois!
In the end, I went down to a bronze plan for $520.00 a month ($6,240.00 a year), so I didn’t loose all my income. It’s still near double what I had to pay last year.
My congressman, Randy Hultgren, had this to say in a recent email:
This year, three of the seven counties in the 14th Congressional District are left with one insurance issuer, leaving residents of McHenry, Lake and Kendall Counties with a true insurance monopoly. Kane, Will and DeKalb Counties will be left with only two insurance issuers. Individuals with these exchange plans could face proposed rate increases for 2017 of up to 77.3 percent.
In addition, Illinois exchange plans have removed some of the best hospitals and doctors in the state from both their HMO and PPO provider networks, such as Northwestern Medicine and Lurie Children’s Hospital, leaving the most vulnerable people with the most significant medical needs without the options or the care they need.
Here’s a last bit of irony for ya…. While I was still looking for insurance, I called a broker who told me about a plan that was $295 a month ($3,540.00 per year), $15. office visit copays to all types of doctors (specialist included), all emergency room visits $100., all CT/MRI/x-rays $100, all generic RX free or $5 name brand… The awesomeness of the plan when on and on… My doctor and both nearest hospitals were in network also! Tears of joy streamed down my face as I continued to listen to his smooth selling voice. Chiropractic visits included, mental health visits, dietary counsel, drug rehab were all included in this plan. I was nearly lulled into the dark side by then. Suddenly, I came to my senses and asked, “What’s the catch?” It was temporary insurance (stop-gap), and only lasted 11 months and was NOT Obamacare compliant.
They say… Only about 10% of folks get caught doing something like this, and its a flat $695. or 2.5% of your salary, whichever is higher (mines higher). You can also skirt this whole situation by playing around with your deductions so you are even with the government come tax time. (You don’t owe the gov and the gov doesn’t owe you.) Why? Because how the law is written now, the gov is only allowed to remove the fee from your tax refund, and no other way. If you have no refund coming, they have no way to take it away from you!!
In the end, even if I had been caught, the $3,540. + the fee would have been less that the silver plan insurance at $10,680.00 AND the insurance would have been better.
The shitty part about this, is that for the most part, I am a law-abiding citizen. Thus, I will endanger my health to obey the law and I bought the compliant insurance.
© Ilex – Midwestern Plant Girl