Steve1963 wrote:
^ that really sucks. sorry to hear it.

I know first hand how important short term insurance is.
Thanks Steve. It was nice having really good insurance while it lasted. I wish I could tactfully tell my employer that I would leave them for somewhere else in a second if they had better insurance. I can't figure out how they keep attracting new employees with this crap. Though maybe other places are just as bad.
I wish I had gotten to use it more, but with Covid I had to put off many costly tests until later.
nick007 wrote:
AuroraBorealisGazer wrote:
[maximum sarcasm]
I'm so glad that my employer doesn't provide long or short term disability coverage

.
Having to switch to worse healthcare coverage for more money per month is super great. So glad our health insurance is tied to our employer. I'm certainly not stressed at all.
[/maximum sarcasm]
Health insurance can really s#ck at least here in the US anyways. When I was on SSI & not working, half of my SSI went towards my health care. I had Medicaid but no doc in my area would accept it cuz it did not pay them enough so I had to have private health insurance that had copays, deductables, & did not cover mental. I was able to get health insurance through work after I was at my 2nd job for a year & that insurance was slightly better but that job forced me out after I was there two years. I was able to keep that health insurance for a year & a half after but I had to pay the full cost which was half my SSI check. That's rite, half of my full SSI check was being spent just on my health insurance alone. Then I still had copays, deductables, & I had to pay to see my psychiatrist. I had nothing left & I had my parents(especially mom) b!tching about how I was not contributing to the household cuz I was selfish & too lazy to get a job. I was applying for most any job I thought I might could do & get to but I was not getting interviews. I was also trying to get some of my problems & issues treated so I would be a tad more capable so I would not have to limit my job search quite as much. I was not able to get private health insurance due to me having too many preexisting conditions. That was before Obamacare. Thankfully I live in Vermont now & have Medicare & Medicaid(I'm on Social Security Disability now instead of SSI) & the docs & health centers here accept both Medicare & Medicaid.
It's terrible that people have to put 50% of their income towards insurance. Your mom should have been more cognizant of your financial situation, and how hard you were working to improve it.
I was on Medicaid for a few years. It was a huge relief to not worry about medical costs. Now I make a bit too much to qualify for it (but regretfully not enough to nullify healthcare cost stress). I wish things were better here so we didn't have to go broke trying to care for ourselves.