I really wanted to participate in one of the Tuesday blog hops that I like so much...True Story Tuesday or Top 2 Tuesday, or maybe even both....but I just can't seem to get my head straight.
Another teenager was killed in another car accident yesterday here. This child was 4 years older than Cam and they had "hung out " on several occasions when my brother was hanging out with Scooters dad.
Scooter at the time was maybe 12 or 13 and Cam was 8 or 9. They rode ATVs and Dirt bikes together. It's been several years, but it's difficult to tell a child that someone that is also a child has died. Someone that he knew. This was a terrific kid, seriously. He took time to make sure Cam was buckled in on the ATV, and helped him buckle his helmet before they began to ride. He was a nice kid, it's so sad that he is gone at the age of 16....it's just so very sad.
I don't understand why people feel the need to make comments other than to simply say I'm sorry under the new articles. Why is it that people feel the need to say things like "This is why people shouldn't let teenagers drive" or "This is why we need to change the driving age" I want to scream this is not the time or place for that. Take it to the county counsel, take it somewhere that someone can do something about it. Just post condolences or don't post anything at all.
Does that mean I don't think the driving age should be changed? No, I do believe it's time to change it. In the last 13 months 4 teenagers have died in car accidents from them same graduating class...that's a lot in a year. If you go back just a little further...another year, that number goes up. I just means that I believe there is a time and place for everything...and here,now is not the time nor the place.
What do you think?
Please keep the Looper family in your prayers, and his friends.
Tuesday, January 25, 2011
Wednesday, January 19, 2011
Just my opinion...
I have been reading the news sites again...and I want to add my two cents
HEALTH CARE REFORM
Let me start by saying that I do think that something needs to be done about the health care industry, but I sure don't think that it should be mandatory to have health insurance. Here are my arguments...
1. Health insurance is so expensive, for instance my husband has insurance at his work. He pays $250 per month for his insurance. To add just me that premium goes up to $950, to add me and Cameron the premium spikes to $1500. per month..seriously do you think we can afford that.
NO!!! So Cameron has a separate policy, he has a history of heart problems (which is why that surgery freaked me out so much) and he must have coverage..so I pay $150 per month for his individual coverage. (250+150=400) That's $400 per month in insurance now, and I don't have coverage.
Let's add an individual policy for me (we will not mention my kidney issues, or my migraines - so we won't consider the mark up) I can get a policy for $360 per month. That would make our total $760 per month for insurance. That is crazy, when you add to that our life insurance (for all of us) $95.00 per month that brings our total in health/life insurance to a whopping $855.00 per month. That figure doesnt' include car insurance or renters insurance. That's right RENTERS insurance. - we will get back to that.
2. Because my husband and I have both been with out health insurance for so long (he was laid off), we would be under (he is under) a pre-existing clause...I understand that, but, for the insurance to cover my health issues (kidney issues and migraines) I would have to pay my premium for 18 months before they would cover anything...at 360 per month * 18 months = $6480 before they will pay one dime!!!! I can pay for my MRI and my Imitrex shots out of my pocket and still come out better than doing this, because the MRI would only be $5K...
3. I don't make that much money, basically I would be working every day just to pay the insurance company. Sorry I'm not doing that.
4. Lets revisit the RENTERS INSURANCE....I don't own my own home..that's right I rent a house. why would I want to just give away my house payment every month to BCBS????? NOT DOING IT in 30 years I may be with health insurance, but I would be homeless, because I can't afford a house I work just to pay health insurance.
I want to make sure you know that I am not poor mouthing, I'm just stating the facts. I don't want to pay 2 1/2 checks per month to insurance...that's not right.
Do I think the health Care industry needs some change? YES I do. I think that if I don't meet my deductible they should have to pay a certain amount back to me. Like my insurance would be $360 per month, that's $4320 per year. If my deductible isn't met they should have to at least return $10-15% of my money. They should have to pay no less than 10% of the money you pay out to the Dr or pay it back to you. Period.
I'm sure I could think of some other things, but that's it for now. I'm tired and getting off my computer. But I am interested in what you think...please do tell!
HEALTH CARE REFORM
Let me start by saying that I do think that something needs to be done about the health care industry, but I sure don't think that it should be mandatory to have health insurance. Here are my arguments...
1. Health insurance is so expensive, for instance my husband has insurance at his work. He pays $250 per month for his insurance. To add just me that premium goes up to $950, to add me and Cameron the premium spikes to $1500. per month..seriously do you think we can afford that.
NO!!! So Cameron has a separate policy, he has a history of heart problems (which is why that surgery freaked me out so much) and he must have coverage..so I pay $150 per month for his individual coverage. (250+150=400) That's $400 per month in insurance now, and I don't have coverage.
Let's add an individual policy for me (we will not mention my kidney issues, or my migraines - so we won't consider the mark up) I can get a policy for $360 per month. That would make our total $760 per month for insurance. That is crazy, when you add to that our life insurance (for all of us) $95.00 per month that brings our total in health/life insurance to a whopping $855.00 per month. That figure doesnt' include car insurance or renters insurance. That's right RENTERS insurance. - we will get back to that.
2. Because my husband and I have both been with out health insurance for so long (he was laid off), we would be under (he is under) a pre-existing clause...I understand that, but, for the insurance to cover my health issues (kidney issues and migraines) I would have to pay my premium for 18 months before they would cover anything...at 360 per month * 18 months = $6480 before they will pay one dime!!!! I can pay for my MRI and my Imitrex shots out of my pocket and still come out better than doing this, because the MRI would only be $5K...
3. I don't make that much money, basically I would be working every day just to pay the insurance company. Sorry I'm not doing that.
4. Lets revisit the RENTERS INSURANCE....I don't own my own home..that's right I rent a house. why would I want to just give away my house payment every month to BCBS????? NOT DOING IT in 30 years I may be with health insurance, but I would be homeless, because I can't afford a house I work just to pay health insurance.
I want to make sure you know that I am not poor mouthing, I'm just stating the facts. I don't want to pay 2 1/2 checks per month to insurance...that's not right.
Do I think the health Care industry needs some change? YES I do. I think that if I don't meet my deductible they should have to pay a certain amount back to me. Like my insurance would be $360 per month, that's $4320 per year. If my deductible isn't met they should have to at least return $10-15% of my money. They should have to pay no less than 10% of the money you pay out to the Dr or pay it back to you. Period.
I'm sure I could think of some other things, but that's it for now. I'm tired and getting off my computer. But I am interested in what you think...please do tell!
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