He quit job to qualify for Medicare for cancer treatment

[Aitch]

I’d gladly have given most of my salary so that my wife didn’t have to suffer through months of the garbage they call Canadian free healthcare after giving birth. Unfortunately, that wasn’t even an option.

[kail]

Let's play a game called "Guess the OP's Main".

[Cerus]

Employers can’t grt rid of people that easily when they are protected by the ADA.

I don’t think cancer is a protected disability. But even if it is the ADA only goes so far. They have to make reasonable accommodations - that’s it. If he’s a line worker at a factory and they normally stand he could get a chair to sit on. But if his job in the warehouse requires heavy lifting as a job description then no, the ADA would not protect him and excuse him from lifting.

You have to be able to perform the job you were hired to do.

[Freighter]

You probably should introduce universal healthcare instead of fucking people over.

[Queen of Hamsters]

Classic case of the OP not reading what he linked in the hopes of stirring up shit.

[Wyrt]

Insurance and healthcare wouldn't be so fucking expensive if the government actually did its fucking job and protected people from being exploited by insane prices. But no, can't do that because "regulations are bad" and "the magical free market will fix everything."

[Cerus]

how is it illegal to rarely make above minimum wage when it's not unheard of to start at minimum wage for some jobs.

I was referring to the fact that he’s worked the same job in a warehouse for 13 years. Spanning a few minimum wage hikes yes but one would think he’d have been in the teens $ wise after that long. So he’s either BSing and didn’t want to pay the emplyoyer insurance cost or his employer cut his pay drastically which isn’t necessarily legal.

I’ve worked some pretty shitty jobs. All of them have had employee healthcare and it wasn’t expensive. Our insurance is through my wife’s work. For the mid level plan which is 80% and $600 deductible it’s like $70 a month for myself, my wife and our 5 yr old. That includes dental, vision and $500,000 life insurance for each of us.

You’re also required to have insurance now or pay a fine each year. They could afford that obviously. Would his paychecks have been lighter? Sure. You scrape by when you have a wife and two kids to support. Which by the way no one forced him to have kids. No one forced him to not seek better employment sooner and no one forced him to not buy his employees healthcare.

This situation is entirely his fault. Don’t have insurance if you don’t want it but be prepared to pay the price. I’ve have car insurance since I could legally drive. Used it once when some asshat backed into my parked car. A few hundred bucks in repairs the other drivers insurance paid for vs the 10s or even 100s of thousands I’ve paid in premiums for over 20 years.

But this is why they mandated that you either have insurance or pay a fine. I don’t agree with it but most people won’t get insurance until they need it. I’m willing to bet this guy did the same.

[jimboa24]

This is just goig gto turn into a "Healthcare should be free" across the board anyways, and I agree. No reason it shouldn't be, especially for the so called "Greatest Country".

Side note, normal people aren't paying jack, your taxes go on far more useless unneeded shit, than healthcare. But most likely, this is just a troll thread designed to bait people.

Nothing is free. Everyone will pay for it, and pay dearly for it through taxes. And it's gonna suuuuuuuuuuck.

[Priestiality]

Nothing is free. Everyone will pay for it, and pay dearly for it through taxes. And it's gonna suuuuuuuuuuck.

The tax increase would be LESS than your current premiums. But by all means, keep up that "evil commies" nonsense.

[Masark]

The tax increase would be LESS than your current premiums. But by all means, keep up that "evil commies" nonsense.

The tax increase should be zero. The USA already pays more in taxes per capita for healthcare than any other developed nation.

[Cerus]

Insurance and healthcare wouldn't be so fucking expensive if the government actually did its fucking job and protected people from being exploited by insane prices. But no, can't do that because "regulations are bad" and "the magical free market will fix everything."

The government IS the reason healthcare costs are so high. Regulations and administrative costs are the two biggest factors. Next is unnecessary and multiple tests Drs will order out of fear of getting sued. And lawsuits are another reason why costs are high. So you can blame the public for its large part by demanding a MRI and full blood work up when they have the sniffles.

Drug costs are another reason. They're over-regulated in many areas and under-regulated in others. And FDA regulations make it an extremely expensive and time consuming process to bring new drugs to market. Many amazing drugs have no patents anymore (expired) but no company is willing to spend the time and money getting FDA approval for a non patented drug that they’ll make no money on.

So there ya go. Place the blame where it belongs. On patients and on the government.

[Masark]

And lawsuits are another reason why costs are high.

Except that claim is bullshit, because all attempts at tort "reform" has done nothing to reduce costs or even slow their growth, despite such laws sending suits, payouts, and malpractice insurance rates tumbling.

[Cerus]

Except that claim is bullshit, because all attempts at tort "reform" has done nothing to reduce costs or even slow their growth, despite such laws sending suits, payouts, and malpractice insurance rates tumbling.

How is it bullshit? Quick to sue patients/lawyers+high payouts=higher malpractice premiums which= higher costs for the same services. It makes Drs nervous so they order unnecessary tests.

Watch cable tv some evening. You’ll see at least half dozen commercials for attorneys suing over some bogus medical claims. That whole system is a cesspool.

[Orange Joe]

Missed the point. He supposedly works the same job for 13 years yet has a fluctuating pay rate? A pay cut is not always legal FYI. Yes I’m aware of minumum wage increases in Texas. Maybe it works differently there but around here a warehouse job after 13 years pays pretty well.

But let’s see - why isn’t the wife working? Why is their gofundme only asking for $8000? Is that what it costs to raise a wife and two kids in Texas? Why would a father of two not have health insurance? I’ve had it since I was 18....often private insurance which ain’t cheap. Why is leaving his family open to being homeless and without food (since Medicaid only covers is medical bills) the better choice? Where is their savings account?

Sorry but I’m a father myself. I would not sacrifice my family’s well being just to save my own ass. Sympathize with this all you want but they had plenty of options available to them. Gofundme is just the 21st century version of non-homeless panhandlers pretending to be destitute.

What do you expect him to do? Continue working and let medical bills pills up till he dies. Leaving his wife to pays 1000's after he is gone?

[oxymoronic]

Keep in mind Texas is one of the states that did not expand medicaid, So this doesnt surprise me at all.

not sure if you read anything but keep in mind, he pays nothing.

[Ealyssa]

He is obviously pretty dumb for not buying insurance

How is not having the money to get one dumb ? Or even a choice at all ?

[Masark]

How is it bullshit? Quick to sue patients/lawyers+high payouts=higher malpractice premiums which= higher costs for the same services. It makes Drs nervous so they order unnecessary tests.

Except those equal signs don't exist in reality. Look up Texas' "reform". It did not work. Lawsuits fell, lawsuit payouts fell, malpractice premiums fell, but medical costs did not fall, or even grow slower.

[Cerus]

What do you expect him to do? Continue working and let medical bills pills up till he dies. Leaving his wife to pays 1000's after he is gone?

Then again... it’s his fault for not providing for his family by having dirt cheap life insurance. His irresponsibility caused this mess. There is no one else at fault here.

- - - Updated - - -

Except those equal signs don't exist in reality. Look up Texas' "reform". It did not work. Lawsuits fell, lawsuit payouts fell, malpractice premiums fell, but medical costs did not fall, or even grow slower.

Lawsuits are only one factor which you seem to be ignoring. The ACA did a number on costs all by itself too.

- - - Updated - - -

How is not having the money to get one dumb ? Or even a choice at all ?

He had enough to have two kids and a wife didn’t he? If he didn’t then reproducing was a mistake. He’s no better than the welfare queens pumping out kids for bigger gubment checks.

[Zan15]

To be fair, he says he could not afford buying insurance due to only earning minimum wage, so I don't really see the dumb choice he apparently made. It is also funny how you call other taxpayers 'normal people'.

Something does not pass the sniff test here.

if he was getting min wage how could he not qualify for medicaid, or subsidized ACA coverage?



here are the plans in TX where he lived, if making min wage
______________________________________________________

2 fucking 88...for insurance.....

Oscar · Simple Bronze
BronzeEPOPlan ID: 20069TX0100001
Estimated monthly premium $2.88 Was: $300.14
Deductible

$7,350
Individual Total
Out-of-pocket maximum

$7,350
Individual Total
Copayments / Coinsurance

Emergency room care: No Charge After Deductible
Generic drugs: No Charge After Deductible
Primary doctor: No Charge After Deductible
Specialist doctor: No Charge After Deductible
Estimated total yearly costs

ESTIMATE TOTAL YEARLY COSTS
Medical providers & prescription drugs covered

SEE IF PROVIDERS & DRUGS ARE COVERED
QUICK VIEWDETAILS
COMPARE
LIKE THIS PLAN
___________________________________________________



Lower out of pocket/ deduct 87 bucks
2450 out of pocket...thats 10% of his income



Oscar · Saver Silver - Free Calls With Doctors, Free Preventive Care
SilverEPOPlan ID: 20069TX0350001
Estimated monthly premium

$87.97
Was: $432.66
Deductible

$550
Individual Total
Out-of-pocket maximum

$2,450
Individual Total

__________________________________________

[Orange Joe]

Then again... it’s his fault for not providing for his family by having dirt cheap life insurance. His irresponsibility caused this mess. There is no one else at fault here.

So since he is at fault for making a mistake he no longer deserves help?

Besides you didn't answer my question. What should he have done in this situation?