Job status

[#UnleashSean]

I was shocked to learn .. our 20% paycut phase is over.   They are still saying there's a possibility the cut will be reimbursed to employees later.

Shocked because I think our industry is still down 30-50%.

In conclusion, 20% more Arby's.

Still waiting for any little bit of that "hero pay"

[jesmu84]

Still waiting for any little bit of that "hero pay"

Just because you're essential does not mean you should get paid like it

[pbiflyer]

Still waiting for any little bit of that "hero pay"

Here you go.

Macy's doled out $9 million in bonuses to top execs after thousands of jobs are cut


https://www.google.com/amp/s/www.cnbc.com/amp/2020/07/16/macys-gave-9-million-in-bonuses-to-execs-after-thousands-of-job-cuts.html

[Hards Alumni]

Which part are you saying is wrong?  And just to be clear, when I say "if you lose your job", I am referring to losing your job- not being laid off temporarily.

Everyone is eligible for "Obamacare".  The little to no cost portion is absolutely not true.

[Jockey]

Everyone is eligible for "Obamacare".  The little to no cost portion is absolutely not true.

Everyone is eligible, but there are limits on income to get the ObamaCare subsidy. So, if a single person loses their job, they will almost certainly be making less than $49,000. So if he were to choose the $899 monthly, plan, his cost could be almost 0 with the subsidy.


If you are under the income limits - $49,000 for a single to $85,000 for a family of 3 - the ObamaCare subsidy will pay most or all of the monthly premium.

Just one example from a relative I helped: a cousin who made just under $60,000 a year combined income with his wife got the silver plan priced at $899 a month. He had to pay $26 a month. The rest was covered by the ObamaCare subsidy.

That is the purpose - to assist low income earners

[#UnleashSean]

Everyone is eligible, but there are limits on income to get the ObamaCare subsidy. So, if a single person loses their job, they will almost certainly be making less than $49,000. So if he were to choose the $899 monthly, plan, his cost could be almost 0 with the subsidy.


If you are under the income limits - $49,000 for a single to $85,000 for a family of 3 - the ObamaCare subsidy will pay most or all of the monthly premium.

Just one example from a relative I helped: a cousin who made just under $60,000 a year combined income with his wife got the silver plan priced at $899 a month. He had to pay $26 a month. The rest was covered by the ObamaCare subsidy.

That is the purpose - to assist low income earners

Went through the Healthcare network last year. I got the silver plan, made under 50k had to pay 130 per month. It was not great...

[warriorchick]

Went through the Healthcare network last year. I got the silver plan, made under 50k had to pay 130 per month. It was not great...

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I would love to be paying that for my health insurance.

[Lennys Tap]

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I would love to be paying that for my health insurance.

Yeah, I pay between 3 -4 times that and I'm on Medicare. Maybe he wasn't just talking cost but other features (deductibles, choices, etc.). Even so, 130 per month is 5x higher than 26 per.

[pacearrow02]

Obamacare was a big step forward for a lot of things with the most important being tying hospital reimbursement to certain quality metrics.

A lot to like with it for sure but to suggest it's affordable is a bit of a stretch.

[Jockey]

Went through the Healthcare network last year. I got the silver plan, made under 50k had to pay 130 per month. It was not great...

Silver plan was probably in the $800 - $900 range. So you were getting a pretty good subsidy. Just a guess, but at $40G you probably would have paid well under $50. There is also a decent chance it will be lower next year.

[Jockey]

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I would love to be paying that for my health insurance.

If you and Glow made less that $65,000 (may be a bit more - $65G was the limit for married, no deductible kids 2 years ago) combined, you could be.

Main benefits of ObamaCare are no denial for pre-existing and subsidy for low income.

[Jockey]

A lot to like with it for sure but to suggest it's affordable is a bit of a stretch.

Big difference. It is meant to be affordable for lower income people. Otherwise you pay close to full market rate.

[#UnleashSean]

Just wanted to add onto the conversation about Obama care.

It was indeed 130 per month, through cchp. Deductible was 7500, out of pocket max was 8000. Urgent care was 125, specialists were 75, primary was 50. It was basically useless unless I got cancer or was in a horrible accident that required multiple surgeries.

[TSmith34, Inc.]

Just wanted to add onto the conversation about Obama care.

It was indeed 130 per month, through cchp. Deductible was 7500, out of pocket max was 8000. Urgent care was 125, specialists were 75, primary was 50. It was basically useless unless I got cancer or was in a horrible accident that required multiple surgeries.

Welcome to the world of high deductible plans. Sounds like you probably got either a bronze or silver plan. If you wanted to pay a lot more per month you could lower your deductible or possibly even select a co-pay plan. But that's what the carriers offer, not specific to Obamacare.

[Jockey]

Just wanted to add onto the conversation about Obama care.

It was indeed 130 per month, through cchp. Deductible was 7500, out of pocket max was 8000. Urgent care was 125, specialists were 75, primary was 50. It was basically useless unless I got cancer or was in a horrible accident that required multiple surgeries.

If you required even one minor surgery, that max 8000 would save you.

Those numbers you gave seem pretty normal. If you get insurance through an employer, the monthly co-pay can be $200-$300 a month and the other numbers would be fairly similar. Maybe a little lower depending on the generosity of your employer.

Medicare for seniors runs about the same. Coverage is a bit better.

[warriorchick]

Those numbers you gave seem pretty normal. If you get insurance through an employer, the monthly co-pay can be $200-$300 a month and the other numbers would be fairly similar. Maybe a little lower depending on the generosity of your employer.

Yep.  I had an HDHP with my last employer and my payroll deduction was more than Unleash is paying. 

[MU82]

Just wanted to add onto the conversation about Obama care.

It was indeed 130 per month, through cchp. Deductible was 7500, out of pocket max was 8000. Urgent care was 125, specialists were 75, primary was 50. It was basically useless unless I got cancer or was in a horrible accident that required multiple surgeries.

My wife is an RN at the largest hospital group in the southeast ... and her medical benefits are no better while the monthly cost is more than twice as much.

Lots of employers -- including those in the health-care business -- offer truly cruddy health plans. I don't want to wish my life away, so I'm in no hurry for these next 5 years to go by, but from a cost and care perspective, I am looking forward to Medicare.

[4everwarriors]

 Can't wait until we get single payor health care. Still get the best health care in the the world...and its free. That'll be the tits, hey?

[Hards Alumni]

Can't wait until we get single payor health care. Still get the best health care in the the world...and its free. That'll be the tits, hey?

Nothing is free, obviously.  But if EVERYONE pays, then we are all subsidizing each other.  Which we already do.  What happens when someone without insurance shows up in the ED?  They won't be paying.  So who does?  Everyone with insurance subsidizes that person.  The hospital gets their money one way or another. 

But you know, we should keep paying insurance companies.  Because they're the ones that provide health care... and the thousands of people working for health insurance companies are doing it for free.  And all of the money the HIC's make creates better insurance.  Just kidding, they're all overhead.  But rubes like you continue to fail at math and want to give money blindly to HIC's so they can deny health care, and charge outrageous premiums... or stand behind insane deductibles.

We're the only country in the world to have this bloated, ridiculous system.  Capitalism and health care should never be married.

[bananahammock]

Sounds like I shouldn't complain about my high deductible plan through work. I pay $16 per paycheck (26 times per year) and my deductible is $2K. Then pay 20% until I reach yearly max of $3K. Plus a $250 deposit into my HSA at beginning of the year (use to be $500).

[warriorchick]

But you know, we should keep paying insurance companies.  Because they're the ones that provide health care... and the thousands of people working for health insurance companies are doing it for free.  And all of the money the HIC's make creates better insurance.  Just kidding, they're all overhead.

Because there is no overhead in government?

[MU82]

Sounds like I shouldn't complain about my high deductible plan through work. I pay $16 per paycheck (26 times per year) and my deductible is $2K. Then pay 20% until I reach yearly max of $3K. Plus a $250 deposit into my HSA at beginning of the year (use to be $500).

That is an excellent plan IMHO.

[MU82]

Can't wait until we get single payor health care. Still get the best health care in the the world...and its free. That'll be the tits, hey?

Who said these things? ...

2000: "We must take care of our own. We must have universal healthcare."

2015: "Everybody's got to be covered ... I am going to take care of everybody. I don't care if it costs me votes or not."

2016: "We do need health care for all people. What are we gonna do, let people die in the street?"

2017: "We're going to have insurance for everybody. There was a philosophy in some circles that if you can't pay for it, you don't get it. That's not going to happen with us. (Americans) can expect to have great health care. It will be in a much simplified form. Much less expensive and much better."

[4everwarriors]

Nothing is free, obviously.  But if EVERYONE pays, then we are all subsidizing each other.  Which we already do.  What happens when someone without insurance shows up in the ED?  They won't be paying.  So who does?  Everyone with insurance subsidizes that person.  The hospital gets their money one way or another. 

But you know, we should keep paying insurance companies.  Because they're the ones that provide health care... and the thousands of people working for health insurance companies are doing it for free.  And all of the money the HIC's make creates better insurance.  Just kidding, they're all overhead.  But rubes like you continue to fail at math and want to give money blindly to HIC's so they can deny health care, and charge outrageous premiums... or stand behind insane deductibles.

We're the only country in the world to have this bloated, ridiculous system.  Capitalism and health care should never be married.

I prefer country bumpkin.

[Jockey]

Because there is no overhead in government?

You might wanna check the numbers on this.

(You're a smart woman so, I'm guessing you were just making a point. I presume you already know what the numbers generally are.)