Employer provided medical insurance
Posted By: A.Nonymous on 2009-05-31
In Reply to: They are now talking about - Trigger Happy
originated, I believe, during FDR's New Deal. When wages were capped, employers found a way to circumvent this by providing ''sickness insurance'' for their employees, thus giving them a raise without violating the wage caps.
Another example of government meddling. Had they not imposed wage caps, employers would have been able to keep paying their employees and give raises to enable them to afford their own healthcare. But instead, we grew the employer-provided healthcare system we have now and people experience ''job lock,'' unable to move to another employer because of pre-existing conditions which may not be covered by a new company's insurance plan.
Of course it's income, always has been. Same as use of a company car, or executive housing provided by a company (both of which are taxable to the extent they are used outside of actual business activities.) I'm amazed nobody until now has taxed insurance.
Does this constitute a new tax on people earning under $250 thousand (or $235 thousand, or whatever the new number is?)
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employer based-programs subsidize insurance...
not just make it available--and therein lies my problem.
Have you priced medical insurance recently?
The $1000 may be a little exaggerated, but 6 years ago when I wanted to get a policy that covered merely 1 daughter and I, the quoted rate was $700/month. Even through work, a family policy runs around $600/month just for the medical, probably another $50 combined for the dental/vision. Between copays and prescriptions (even generic), you can add a little bit more to that. So while I agree that $1000 might be high, $700 would likely be a low conservative estimate. And, as noted, I'm basing my numbers on 5 years ago; since it's regularly on the news that the cost of policies has gone up, the $1000 may not be too far off.
President is going after overblown insurance charges, crooked insurance plans, .....sm
crooked hospital systems that have become quite prosperous "businesses" on the backs of the elderly, but he is NOT AGAINST the eldery getting good solid care, that is political hogwash and propaganda, you wise up and read up, and I don't mean from Fox or Coulter of Limbaugh or one of the Pub sources......
http://www.bloomberg.com/apps/news?pid=20601087&sid=av1lMcI6E1no&refer=home
http://www.barackobama.com/issues/healthcare/
And then, that employer who does not
health insurance will be fined. Obama has not told us how much the fine will be, but how many small business owners are going to be able to afford this if they cannot afford the insurance?
If I ever receive an email like that from my employer...
..I will IMMEDIATELY begin to send out resumes and when I find another job, I will quit. I will give the courtesy of two weeks' notice, though, because one of us should be professional. However, my association with an employer like this will end immediately.
I don't think Washington gets the fact WE are their employer.....
And to think on September 18, 2008, they were ready to impose Martial Law because our entire economic and political infrastructure was headed toward collapse? THAT'S SCARY. So much for "Land of the Free" eh?
Obama says you can keep your employer health care....
but if you don't have, the government will step in. Under his tax proposals, how long do you think business will be able to afford health care for employees? Not very darned long. So, in the end, he gets what he wants...government controlled health care. He has changed the way he described it to try to end around the socialism tag of universal health care. Nice try, but no cigar. He is not fooling me. But, I don't take every word that falls out of his mouth as gospel like some do either (and I am not singling you out specifically).
my 401K from a previous employer hasn't lost much
but it's in low risk investments, a lot of bonds, and so when things get better, it probably won't rise as quickly as other 401k's. I'm a chicken.
You are right on - that's all we ask for. If he would have provided it
But because he has not and instead of providing he has it legally sealed goes to show you there is something to hide. This is one of the reasons the SC will be taking on this case.
Links provided
The words were witnessed by two McCain aides and three reporters who did not report it at the time.
If it wasn’t true there would be lawsuits (which there are not). And with him running for president you KNOW he would be denying it as he is denying other things, but he is not denying it.
Here are the links below where this information can be found. Many more links but I think five are enough.
http://blogcritics.org/archives/2008/05/02/194648.php
http://www.thepost.ohiou.edu/Articles/Opinion/Columns/2008/04/15/23789/
http://www.dailykos.com/story/2008/4/8/17456/91972/887/492360
http://agonist.org/schecter/?p=8571
http://www.liveleak.com/view?i=536_1210293502
They've already provided the BC, but some
just are not "satisfied" with it & insist on wasting the courts time & money, only to lose repeatedly because the whole thing is baseless.
UN provided GPS coordinates and has
has issued numerous statements that dispute this lie. If you watched the interview between the UN rep and Israel's spokesperson, you can see the Israeli skirt the issue and state the rockets were coming "from the vicinity" of the school. It's not like this would be the first time Israel has lied about their reasons for bombing schools.
It's beside the point. If they KNEW this was a UN school (the the GPS coordinates AND the fact that it is clearly marked with the UN flag on its roof), that civilian refugee families had sought refuge there and they were putting large numbers of children at risk (they had been informed of this), the humane thing to do would have been to decide NOT TO BOMB IT.
UN provided GPS coordinates and has
has issued numerous statements that dispute this lie. If you watched the interview between the UN rep and Israel's spokesperson, you can see the Israeli skirt the issue and state the rockets were coming "from the vicinity" of the school. It's not like this would be the first time Israel has lied about their reasons for bombing schools.
It's beside the point. If they KNEW this was a UN school (the the GPS coordinates AND the fact that it is clearly marked with the UN flag on its roof), that civilian refugee families had sought refuge there and they were putting large numbers of children at risk (they had been informed of this), the humane thing to do would have been to decide NOT TO BOMB IT.
Yeah, because he provided SO MUCH
Bush was a fool. History has shown that. Obama's history is not written yet, even though there are those on this board who like to think they can see into the future.
My *teacher* has provided the Bible...
the same Bible that says Do Unto Others is very clear about homosexuality. It is called an abomination. Not too many ways you can take that. Therefore, the twinge you feel about homosexual marriage probably was not caused by bad cheese. But, as we all know, no one but you will have to explain your decisions when you stand before Him, and no one but me will have to explain my decisions when I stand before Him.
God bless.
O has already provided valid evidence and
fanatics to hound and stalk him like hunted prey. Fanatics also unsuccessfully tried to use the guilt by association argument to win the election. It did not work then and is will not help them now.
Where did I say McC camp provided this information?
the word "fodder." With Webster at your fingertips, you might try looking it up next time before you leap to unfounded conclusions.
the exmilitary man is on the link I provided -
I did not hear him say he had to "push" through them - he just said they were there and he was not going to let them intimidate him.
Did you even read the link you provided?
Obama is requiring community service not military service. Community service is a constructive way to spend time and energy. War is a destructive way to spend time and energy.
Obama also said that he would provide a college education to anyone who volunteers to do community service. This can only help make the United States a stronger and better nation. It sounds like a wonderful plan to me!
The following is from the link you provided:
The Obama Administration will call on Americans to serve in order to meet the nation’s challenges. President-Elect Obama will expand national service programs like AmeriCorps and Peace Corps and will create a new Classroom Corps to help teachers in underserved schools, as well as a new Health Corps, Clean Energy Corps, and Veterans Corps. Obama will call on citizens of all ages to serve America, by developing a plan to require 50 hours of community service in middle school and high school and 100 hours of community service in college every year. Obama will encourage retiring Americans to serve by improving programs available for individuals over age 55, while at the same time promoting youth programs such as Youth Build and Head Start.
I did - and I'm the one who provided the actual quote
Look. Just get this straight. If you know anything about Boehner at all, you will know perfectly well that he does not support the notion that cold rooms, sleep deprivation and caterpillars add up to torture.
Intellectual honesty is a wonderful thing. Waiting to "pounce" on any fortuitous language that suits your purpose when you know very well that's what you're doing is NOT intellectual honesty and speaks ill of the character of those who practice this form of charade. I certainly don't respect you for it, although I do respect honesty in political discourse. I wish it weren't so rare.
Poster asked for the link and I provided it.
As far as preying, the articles and examples of that are, as they say in laboratory terminology, "too numerous to count." And that is unfortunate.
If you copy the link I provided, paste it...
into your browser and click "go," the page will come up with the entire article. If you scroll down a bit, you will see the video screen which will work if you click on it.
I just tried it, and it works fine. I will try again to post the link below under "URL/Link."
I personally believe that your husband and all other soldiers who are placed in harm's way deserve so much better, whether it's safe food/water, safe electricity, better vehicles to protect them against IEDs, etc. They are doing their best for us, and they deserve the best FROM us, IMHO.
I will, provided courtesy is held on the conservative board as well.
/
Another aspect of the medical...
...is that with each job cut that is announced, more than likely there is another American who becomes uninsured (since many can't afford to pay COBRA payments). So if we had 47 million people previously uninsured, that number has increased by a few million or so (at least) since it was last researched.
I believe that medical represents a HUGE cost to companies, which is another reason I don't believe medical coverage should have anything to do with employment.
As you pointed out, for overseas auto industries, medical insurance isn't part of employment. Those countries are way ahead of us in terms of medical care for their citizens, and as a result, they have the upper hand in competing against us.
Medical was part of it......... sm
The foreign car workers have, I believe, national insurance coverage so that does not figure into the workers' benefits from the company. The figure being negotiated with the UAW was the amount that the foreign companies pay their workers. I don't believe health care would be a part of the package for the UAW.
what does all this have to do with Medical Transcription?
I just have to ask this question. Since when did this become a political opinion debate forum? I thought the whole purpose of this forum was for us to be able to talk to each other about our jobs, give ideas on equipment, companies to work for, etc. Now we are going to debate whether you are better to be a republican or a democrat, support Obama or not. This is ridiculous. This has nothing to do with our jobs whatsoever.
Who makes your medical decisions now?
Socialism does not always evolve into dictatorship. France is not a dictatorship, nor is Canada, and the 3 Scandanavian countries have had socialized medicine, socialized transportations, socialized education for about a century. Unlike this country, they have never started a single war, have no race riots, no poverty to speak of, very low rate of unwed pregnancies and STDs, etc.
"Socialist" Germany before WWII? What on earth are you talking about?
All socialism is all the people sharing the burden of public goods - schools, streets, sewer systems, military defense, etc. We are the only developed country in the world that does not share the cost of health care and education for its entire citizenry.
There are so many half-baked statements in your post, it would take a book to answer them all.
Again, we are the only country that does not pay for the education of its citizens - here we have to go n debt for 10 or 20 years to pay back student loans for a college and/or graduate education. Why do you think we have so many foreign doctors here? Because they come here to make PROFIT - we have the only health care system that is run by corporations and is based on profit, not on care for the patients.
Read a book before you spout off.
What is your opinion regarding medical marijuana?
Although the residents of California voted overwhelmingly to make medical marijuana legal in our state with written recommendation from a doctor, the federal government still considers it a crime.
Should the federal government laws supersede the laws of the State of California against the will of the voters?
No. Medical marjuana is a miracle. nm
.
No one should have to release their medical records...
to run for office. If one has to release them they all should. What is Obama's family history? Is he on antihypertensives? Is he on any kind of mood altering meds? Does he have high cholesterol? lol. That is none of my business, and neither is McCain's medical record.
What about Obama's 1 page medical
1200 pages? Why don't you want to see his?
computerized medical records
Probably a dumb question, but what does Pres. Obama mean by computerizing medical records, and how does that hurt/help us?
"Your" a medical transcriptionist???
It's "you're", dear. But I do believe you're a Republican.
"Your" a medical transcriptionist???
It's "you're", dear.
I don't think you're an MT, but I do believe you're a Republican.
When will McCain release his medical records? sm
(And his tax returns and military records?) I came across this link while surfing around: Shouldn’t John McCain Release His Medical Records?
http://www.crooksandliars.com/2008/09/14/shouldnt-john-mccain-release-his-medical-records/
>> John McCain has not yet released his medical records to the public. McCain is 72 years old, and has been diagnosed with invasive melanoma. In May of this year, a small group of selected reporters were allowed to review 1,173 pages of McCain’s medical records that covered only the last eight years, and were allowed only three hours to do so. John McCain’s health is an issue of profound importance. We call on John McCain to issue a full, public disclosure of all of his medical records, available for the media and members of the general public to review. >>
DEA to halt medical marijuana raids.
Supporters of programs to provide legal marijuana to patients with painful medical conditions are celebrating Supporters of programs to provide legal marijuana to patients with painful medical conditions are celebrating Attorney General Eric Holder’s statement this week that the Drug Enforcement Administration would end its raids on state-approved marijuana dispensaries.
Holder confirmed that states will have the final say on use of the drug for pain control.
http://www.msnbc.msn.com/id/29433708/
Another great decision by the Obama administration!
Extreme medical situations is NOT what this doctor
--
1) Jobs (and our medical records) brought back from
3) The rich & big corporations pay their fair share.
4) Bring more honesty into the healthcare/HMO industry.
5) Address ILLEGAL immigration... it's out of hand.
6) Incentives for those who come up with clean & viable alternatives to oil & gasoline.
I so agree! And even if it was not a moral issue, what about the medical issues (sm)
that can arise? How dare someone even think of performing any procedure my child without my permission unless it is a medical emergency?
Frist expected to be fined for lying on medical license renewal
http://news.yahoo.com/s/ap/20060830/ap_on_go_co/frist_medical_license
oh yea - good point - bringing our medical records back from overseas
Never thought of that one.
poor black men in jail for drug crimes while his wife steals from a medical charity. nm
nm
Health insurance
I'm not sure about that specific point, but in her plan if you don't purchase medical insurance your wages will be garnished. How's that for communism?
Insurance companies.
I agree the insurance companies need a very, very major overhaul, but do you think the insurance companies are going to do that??? If they would there would be no need for a government run system, but the insurance companies will do absolutely zilch, and things cannot contine the way that they have been going.
I'd like to see the insurance companies
You're right about the mtg. insurance
It also irks me that somehow we are being asked for $700 billion to help these companies when $700 billion would go a long way toward ensuring Americans have health insurance - what about that Mr. Bush?
mccain - insurance
The Truth about the McCain-Palin Health Care Plan
Barack Obama And Joe Biden Have Consistently Lied To Americans About John McCain's Plan. Their claims have failed every fact-check - from CBS to the Washington Post. John McCain is not going to raise taxes on middle class families. Barack Obama and Joe Biden are the only ones in this race that plan to raise taxes.
OBAMA FICTION John McCain Will Tax Health Care Benefits For The First Time And Will Be the Largest Middle Class Tax Increase In History.
THE FACTS This Obama charge is a blatant mischaracterization of the McCain Health Plan. It only focuses on the fact that the value of the employer provided insurance will now show up as additional income for the employees – what he fails to mention – is that John McCain’s generous refundable tax credit ($5,000 for families and $2,500 for individuals) will not only shield millions of families from a tax increase but will actually give them MORE dollars to invest in their health care needs.
The McCain Plan DOES NOT tax:
- Premiums paid by families and individuals
- Employers for providing health care coverage
- Medical expenses like the cost of a procedure or medication
- Insurance claims
Approach Supported By Obama’s Own Advisor: This is an approach supported by Barack Obama's own Senior Economic Advisor Jason Furman who wrote that "we could scrap the current deduction altogether and replace it with progressive tax credits that, together with other changes, would ensure that every American has affordable health insurance."
Better Than "Members of Congress": Under the McCain Plan, your employer can provide you with health insurance as good as a "Member of Congress" (approximately $12,000), and you would pay no more in taxes – regardless of your tax bracket. In fact, you would have additional money left over from the McCain tax credit to put in a health savings account.
|
Income Tax Liability |
McCain-Palin Tax Credit |
Total Tax Savings |
10% Bracket (Up to $15,000)
|
$1,200 ($12,000 x 10%) |
$5,000 |
+$3,800 |
15% Bracket ($15,650 - $63,700)
|
$1,800 ($12,000 x 15%) |
$5,000 |
+$3,200 |
25% Bracket ($63,700 - $128,500)
|
$3,000 ($12,000 x 25%) |
$5,000 |
+$2,000 |
28% Bracket ($128,500 - $195,850)
|
$3,360 ($12,000 x 28%) |
$5,000 |
+$1,640 |
33% Bracket ($195,850 - $349,700)
|
$3,960 ($12,000 x 33%) |
$5,000 |
+$1,040 |
35% Bracket ($349,700 and Over)
|
$4,200 ($12,000 x 35%) |
$5,000 |
+$800 |
Where Is The Middle-Class "Tax Increase"? If you or your family is in the 28% bracket, with an income of $180,000, you could receive employer provided health insurance even better than a Member of Congress, with a cost of almost $18,000, with no increase in taxes. Even the liberal leaning Tax Policy Center, agrees that the McCain proposals will result in a "net tax benefit" of more than $1,200 for an average tax payer. A recent Lewin Group study estimated savings of more than $1,400 per American family – almost three times the savings as under the Obama plan.
O says that he will force insurance
companies to insure preexisting conditions. That sounds like something that will put them out of business to me. No need to buy insurance until you need it. Think of all the lost jobs.
He is not going to mandate that you have insurance -
he is only going to make sure that it is available to everyone whether they have an employer-based program or not.
if you already have insurance you don't have to change - nm
x
Nobody said free insurance -
where did you get that? He said he would make insurance available at an affordable rate for everybody...
|