Sorry, i have been out of pocket as far as the web goes. Here is some more info.
Before I left I thoroughly researched changing groups within the 62 day gap, with coverage for pre exisiting conditions. It was my mistake not to further investigate the lack of changing from a group to individual plan that the gap does not cover the change in the same fashion.
I researched my cobra benefits, it would have cost me a little over 900$ a month to maintain cobra coverage for both of us.
I went to an independant agent to shop for the best offer, not just one insurance company, i also researched offerings from different companies directly.
I did not anticipate that we would be denied due to an existing precondition. Further, if I insured myself for 130$ a month, my wife for 500+ a month under the ship ( a ship is a group of peope that can not be normally insured so they form a group of sorts, usually with much higher premiums, typically uninsurable or high risk people), and we pay out of pocket for her insulin and pump supples, about 200$ a month, it would be a little less then cobra benefits.
We would have no problems paying these premiums but why should we, when someone else unemployed can get better benefits through the state or the government without paying such high fees.
It would be like going to a used car dealer and seeing a 1000$ car sitting on the lot, and after they check your credit and find out you have a credit rating well over 800 and make enough interest off what you have in the bank to live comfortably without touching the principle of your account, they charge you 10,000$ for the same car.
I'm sorry if you don't find this unfair.
I'm sure other people work lower paying jobs and feel they work harder then i do or my wife does, but what does that have to do with anything. Starting and running an animal hospital isn't exactly easy, and starting and maintaining a profitable small business providing jobs to a town or city and being able to sell it and walk off with a great amount of security for the next 2-10 years isn't easy either, if it were simple and not hard work, I am sure everyone would be doing it, and the failure rate of upstart small businesses wouldn't be so high.
But hey, what do i know. infohawk as lumped me into a group and assigned me a past, without even knowing much about me.
I've consistently voted (when i voted) for what seemed to be the best cand. regardless of party. I backed brown in 04 (sure he wasn't on gop ticket), and back in my earlier days Perot.
I also realize that the high cost of medicine is directly tied into the isurance preiums doctors pay for their practice, i am acutely aware of this. The coverage wwe had to put on my wife just for malpractice on pets is an indicator that its astronomical when it comes to people.
The reason i am becoming more liberal is that the party that supports national healthcare is more liberal. I can't say I am becoming a democrat because i don't label things so simply as republican/democrat as some seem to, since you could have liberal rep. and conservative democrats.
I however don't see the republicans pushing healthcare, unless it's the careless health of other countries through military conquest for hopeless causes.
Back to our planning. We had planned this for some time, we just didn't have the whole picture. All we were looking for was catastrophic coverage, we are fine with paying for doctor visits and prescription drugs, we didn't use our insurance much when i had it, the security of the coverage was what we were interested in so if something bad were to occur.
If my wife had not been diabetic, this would not have been a concern.
And i wil stress, we are more then willing to PAY a reasonable premium. We have no problem with that, but what we have been presented is less then reasonable. Money is not an issue, but if you ever become wealthy you realize that you maintain wealth by making smart decisions, and applying some sort of principle in saving and not spending over the top.
Maybe i don't sit and read the political news everyday and stay on top of every little thing, but life is to short and there is too much to do instead of just reading articles and formuating opinion about what the rest of the world should do, i can only answer for what I do and what I have put into the system. A lot of what I have put in to the system. Now i think it's fair to ask for some of the benefits that I have helped pay for and payed so much for through taxes on me, the clinic and such.
I don't have the idealistic live at home 18 year old go to college and preach that i know everything about life to everyone i can life, I live on the beach (in a house, thanks) after planning a multi-year vacation, and travel plan for relocation to colorado springs in 2009, after seling our practice, our house, and leaving what we had behind us. Hard work, planning, and time have made it possible to do this, and now i spend my time hiking, camping, kayaking, beachcombing(although the shells in sc are somewhat lacking) and preparing our thru hike next year, and our trip afterwards. I didn't just one day quit my job, this was coming for well over 5 years. We had a plan, we just didn't cover every base it seems and foresee the one inconvienance, the insurance companies and their lack of coverage for what they feel is a high risk, even in catastrophe insurance.
and vic:
"he OP doesn't sound very liberal to me. He sounds like a member of the privileged class who, upon voluntarily quitting jobs and cashing out a business to take an extended vacation, is upset that he can't fleece the public any further. Naturally, Dave & Circle Jerk, Inc. start dancing along with a Rich Republican when he starts blowing one of their tunes, even if it's just in his own selfish interests. "
do you think that i am priviledged because we worked hard to make a small business successful? That we took a small investment and made something of it, and on average provided 4-5 jobs for the community at the clinic, and charged fair fees and took in animals the owners couldn't afford to keep in order to save the animals life? The amount of money we lost when someone could only afford 40$ instead of 100$, or the people in the community that only had their social security income that we worked out plans with and reduced fees. If you think thats fleecing the public, i feel sorry for you. I don't come from money, and everything I have I worked for, so don't label me as something i am not.
I joined the army straight out of high school because i couldn't afford to go to college on my own, when my father died in the hospital (without insurance 10 years ago) it drained everything my family had, which wasn't much. I worked meaningless jobs until i found myself and what my future was. I have been succesful because i applied myself and worked hard.
So i don't know where you get off with that priveleged crap.
Some peope earn a living.