September 14, 2010 by torqdog
I really like and respect this guy. I may not agree with all his positions but he really tells it like it should be said. This video is a classic example.
| Tags: Chris Christie
He handled that very well.
Mary-Anne should be teaching in NJ! Here in WA, at least at the school district she teaches in, she contributes about $350 per month towards her health insurance package. And that’s not for a family. I have my own insurance through my employer. She pays that much just to cover herself and one kid who is still young enough to be on her policy (last year for that though). But still…$780 per year for a family? That’s a bargain! It would cost more than that per month for family coverage as a school teacher here.
4% raises a year in NJ too? They don’t know how good they have it. Teachers don’t even get COLA raises here. They did one year, but it had to go on the ballot and be voted on by the residents of the state. It passed, but then the Governor took it away. Yeah, you read that right. I forget the details, I think it was a freeze or something. They eventually got it a couple years later, but it was prompty offset up by an increase in premiums for medical insurance. There was no net increase in pay.
The average pay isn’t any $54K here either. Not even with a Masters Degree.
Stu, have you seen a complete change in your health care coverages? Both Viv and my open enrollment is coming up before the end of the year. My company has been going out of its way describing all the drastic changes (for the worse) coming up and Viv’s coverage is gonna be worse than mine (a change), yet both plans seem to mirror each other as far as the major content. That right there makes me rather suspicious as to where these edicts are coming from as my company’s plan is self funded and they theoretically should be able to do what ever they want. They say it’s Govt. mandates. Bottom line is that both Viv and I are gonna be paying a heck of allot more for less coverage…….. to the tune of 6 to 8 thousand dollars a year, maybe more. Get ready, if it hasn’t yet happened to you, it’s coming!
As far as the Christie vid is concerned, I especially liked the way he stuck it to that teacher when he described the jackhole union official who wanted everyone to pray for his death. And she had the audacity to say it goes both ways? Really?!!!
The only changes we have seen here is a reduction in benefits as a result of rising premiums, as a cost-controlling effort by the company I work for, and Mary-Anne’s school district as well.
At my place of employment we have retained the same insurance provider but moved from plan to plan (with higher and higher deductibles) as the costs become more and more prohibitive. We’re a small company (12 employees) and it costs our company approx $11,000 per month to provide medical insurance. I know becasue I sign the checks. Currently, it’s a fully funded benefit and the employees do not have to contribute.
They just downgraded the available options for for Mary-Anne’s coverage through the school district too. She used to have what they called “Enhanced” coverage which she had subscribed to. Now her financial contribution remains basically the same, but with higher deductibles, higher annual “out of pocket” maximums and lesser overall coverage.
I am not aware of any gov’t mandates as of yet.
I like Christie. He should be a Democrat! I’ve watched a couple of his interviews and he’s funny and seems like a decent guy. He has a lot of hard work ahead of him. The cost of living in New Jersey is quite different than Washington State. When I was in Hawaii doing cost of living comparisons earlier this sunmmer, I asked an insurance agent who had the highest premiums in the country and he said New Jersey! A guy in Hawaii, where the average cost of living is 60% higher than here in Utah, says New Jersey.
Before I get my gun and WWII medals out for the coming health premium apocalypse, I, too, arranged for my previous employer’s health insurance plans and we got a solid 18-20% increase in premiums every year at contract time. Had nothing to do with mandates or reform. It was the way of life, guys. Premiums were going up steadily, procedures were being denied, even life-saving procedures that insurance company review boards were disallowing because they were deemed “experimental” or as an existing condition. We increased deductibles each year until everyone was on a $2,500 ded.
I don’t understand $11,000 a month for 12 employees with a high deductible unless they’re all on a Family Plan. You aren’t, apparently. My personal family plan at my previous employer, with $1,000 ded was $850 a month. And experience with a small group can cause a raise in premiums. A buddy worked for a car dealership with 45 employees. Their employee-shared premiums were going through the roof because one of the mechanics had twins who were both hemophiliacs and had serious health issues as a result.
We were paying 100% of the employee’s premium and picking up dental as well.
The deductibles were fairly low up to recently. Only a few are on family plans, but we do have some folks with long-standing health issues. I may have confused the medical insurance premiums with our cargo insurance premiums though, now that I think about it. Operating off memory here – now I am curious I have to go check…
My bad. The $11,000 was an annual cargo insurance premium. The medical runs us $5100 per month. That does not include dental or vision, but those premiums are relatively low.
Yeah, I don’t know enough myself to be able to lay blame at anyone’s feet. What I do know is that there does seem to be some new mandates coming from the feds that both of our plans have picked up on. These new rate structures only took affect about a month ago so maybe you both have yet to see them. An example is the FSA seems to be going away or is being drastically reduced and is being replaced by a new MSA (medical savings account). The MSA is only available if you participate in a high deductable plan which both Viv and my company’s are gearing towards. There are so many restrictions placed on both our plans that it’s becomming mind boggling trying to decipher the idiocyncrasies. As I stated, my company has been bending over backwards trying to make sure that we are all as informed as possible.
Maybe we should start a thread, “Healthcare Redux”. Much has changed since we last discussed this stuff.
And yeah Stu, you’ve definitely got a good situation going. Almost unheard of anymore, I sure hope it stays that way for ya.
too bad that single payer was shut out of the congressional hearings
(google baucus 8 )
i guess i should have also explained, i pay way more than what you are looking at Randy but apparently i do have some option to go to a higher deductible. sounds good, it all deoends on how much and scrips needed would be. thankfully my family isn’t on any regularly need expensive meds anymore but if we go to the higher deductible we could get into a real expensive bind should anyone need real expensive meds long term.
and yeah there is enough eveidence in my opinion that single payer if done correctly is actually the cheapest for all of us in the long run. there are some good links to reasonable articles with verifiable data in the above links.
the recent helath care legislation was basically written to ensure copr profits, written by the health care insurcance and pharma industries who have congress in their pockets and this is exactly why single payer option was not even considered or debated. not even allowed into the debate.
Jane, both Viv and I are not going to have a lower deductable plan after this year. It’s all going towards high deductable where we have to shell out the first $3,100 per insured (my plan) and over $4,000 for Viv’s before they even begin to pay. This is in part why they are putting so much focus on the newly established tax deductable MSAs to try and make folks a little more responsible for H.C. decisions and also to try and stem the overusage of the emergency room for things like sniffles which in theory, is probably a good idea. And this is on top of the employee contributions taken out of our paychecks which are also going up.
I’m not sure I agree with your assessment of why single payer wasn’t brought on board at this time. I think it was more likely a result of Congress realizing that the American public isn’t ready for such a measure. IIRC, they figured on getting this part of H.C. passed, then come back at some future date and try to pass the single payer stuff once the public gets a whiff or two of this new direction health care is heading towards.
When you see low polling numbers for Obama, it’s partly because the Left is pissed he didn’t try harder for single payer. And the Right is poised to attempt to repeal what reforms were passed. He’s in the middle of two extremes.
i can’t locate the other vids of this from an angle where you can hear what the protesters are saying but basiclly they got arrested for interrupting the senate comittee hearings, simply asking why there could not be any single payer advocates at the table with the insurance industry reps.
here is the cspan record http://www.youtube.com/watch?v=XKP05AyfRsI
Wendell Potter is also someone to google if you are interested.
There are a bunch of them out there. Kind of liked this one:
the first one was a little more reasonable in terms of telling it like ‘it is’
this one, the merit of the content of what he said could be debated but he probably believes it so then, in that context, it is kind of telling it like ‘it is’ (in his reality)
t-dog if you follow the money it spells itself out. congress has decided that the mega corps should have our moeny for their profit instead of the citizens having the same money go to actual health care.
profit for not giving care.
the recently passed health care bill was like a give away for the insurance giants. they’ll stop at nothing (one would presume) to ensure single payer never happens
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