Affordable Care Act Timeline, or...

Again I have to wonder whether this is your idea or your doctor’s. If it’s your doctor’s, he’s a lousy practitioner. If it’s yours, well, pennywise and all that.

Because diabetes + overweight + whatever you’re eating puts you at a greater risk of hypercholesterolemia, which puts you at a greater risk of heart disease. So cheaping on a few bucks now will provide you with an interesting future, particularly since you also have a family history of stroke. And care following a disabling stroke can cost around $200,000.

You should know your A1c level. I’m betting you don’t; I’d be amazed if you even know what an A1c level is. And it should be tested at least four times a year. You should know your other lab values as well. I’m betting you don’t. Your only concern is getting the script for the subsidized $4 Walmart refill.

You don’t need to consult your wife to get a life insurance policy. If she’s got some superstitious fear of talking about it (“If we talk about death, you’ll die!” is a mindset I haven’t encountered since my grandmother died), then don’t talk to her about it, but this is one of those instances where a responsible adult takes charge of his own life instead of looking to blame someone else.

When you do die of that second or third stroke and leave her with a mountain of debt, at least the life insurance will give her enough to bury you.

That seems completely irrational especially since we're talking about two adults who have a child's welfare to think of.

And, again, I'm sure the family vehicles are insured, but he'll tell you "that's because the law requires it; if it were up to me I wouldn't bother."


So, getting back to the Not About Dayton part of this thread, let’s look at some drill-down detail on how providing patients with free essential screenings saves money.

Complications from diabetes cost $51.3 billion a year.

While a diabetes screening isn’t that costly, people like free. Free is good. So if they know they can get this and other screenings for free, they’re more likely to get it done. Diabetes diagnosed early can often be controlled with diet and exercise or just an oral med. Even if it progresses to insulin-dependence, tight control of glycemic levels and keeping A1c levels within a normal range can prevent the devastating effects that cost billions and have a profound impact on patients’ lives.

In five years our daughter will be away to college anyway.

And I've had two distinctly separate doctors tell me an annual A1c level check is quite sufficient given that my diabetes is relatively mild at this point.

I've rarely seen an adult act in such a willfully irresponsible manner. Do you even have insurance on your car?

Looking at cost savings from early screenings for heart disease and diet and lifestyle recommendations (also now free under the ACA):

minimal liability only.

If you drop dead before then, life insurance could also cover the cost of her college.

Just buy some life insurance, don't tell her. Pay the entire premium at once, do you even have enough in savings to pay for a funeral? Out it this way, you are one fat dude. Have diabetes, most likely have some hypertension and these make you prone to have a heart attack. The hospital bill and funeral expenses could easily hit at least $20k to well over $100k.

You say you care for and love your family. A $100k policy would probably cost less than $40 a month for 10 years. Long enough for your daughter to finish school and start a career.

QED. Dayton cares more about his car than about his family.



Little noticed amid the now-free screenings for chronic medical conditions is the fact that adult immunizations against certain deadly diseases are also free. Without upsetting the “I’LL NEVER GET A FLU SHOT IT’S A GUBMINT CONSPIRACY!!!1!” mob (Hi, Bulldog!), let’s look at a little thing called tetanus.

Most people don’t realize they should get a tetanus booster every 10 years. They used to cost about $60-75. And odds are that unless you’re evenflow or a construction worker or in other lines of work that expose you to the tetanus virus – which can incubate for decades even in arid soil – you’re probably not that much at risk. Nevertheless, it’s probably a good idea to avoid this kind of thing:

Well, I can only come up with two possible explinations. Either Dayton is completely broke and so in debt due to past over spending that he simply can't afford to act responsibly now or he is a complete fool who thinks nothing bad will ever happen to him or his family. Well, a third option would be he doesn't care about them or their welfare, at all, but I'm not willing to go that far yet.

I've been carrying life insurance for the last 14 years, I bought it at around $12-13 a month and still have it. It's for $50k, the beneficiary is my sister. And I also have another policy that I bought when I was working as an LEO, still have it. That one is for $20k, and I paid around $3-400 for it. If I kick off suddenly there's more than enough to pay for funeral expenses and any other costs that may come up. The rest is easy money for her. So if something does happen she can go for a lavish funeral or have me cremated and put in a plastic bag for all I care. The point is, she won't have to worry about any costs after I'm dead.

Obamacare signups hit two million mark Tuesday


HAPPY NEW YEAR!

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About 90% of the people I share time with 3 times a week having dialysis are diabetic. Most people with end stage renal failure have it as a side effect of diabetes. You will be in a world of financial sorrow if you are uninsured and have renal failure.

Also, women giving birth are at extremely high risk of blood clots...that means stroke, heart attacks, pulmonary embolisms. Your simple "inexpensive" birth can easily and quickly become a very expensive life and death fight.

I don't care what sort of hit to the wallet it could be right now....there is absolutely nothing else more important to be paying for than the means to keep your loved ones healthy and alive.

I was 29 when struck with Pulmonary Embolism and 38 when diagnosed with End Stage Renal Failure. Extremely young for such things but prepared with good insurance....and it still drained our savings and is a financial burden on us. There are so many associated expenses people might not consider with catastrophic illnesses...the massive hit to your utility bills when running life support equipment 24/7 for example.

So, stop being a complete fool and do the right thing and insure yourself and your family. If you don't, you could come to regret it in ways you can't begin to understand yet.

Some stories from the Bad Old Days (circa 2008):

Low health insurance caps leave patients stranded

Maybe he has an old car.

Maybe his state mandates him to have car insurance.

Maybe his family will be covered if he dies, regardless of having a life insurance policy.

Only by magic. Even if he died in an auto accident, he's only got basic liability. If he died in a plane crash, the airline would pay for the funeral and, if I'm not mistaken, compensate his family. But he doesn't fly, so eventually his wife will bear the burden of his irresponsibility. But he'll be enjoying his Eternal Reward, so it doesn't matter to him.


Meanwhile, a crib sheet for the new benefits:


How does the health care law protect me?

Look I'm beginning to think that Garamet has a point on the health insurance thing and I've decided to look into it on my own.

the life insurance. Probably not. I'm really not worried about my wife and daughter after I die because I'm not responsible for them in any way after I die. My parents NEVER bought life insurance and really cared little for the concept. Neither do my in laws IIRC nor do most of the people in my family.

So what was gargamet saying?


No, 2.1 million haven't enrolled in Obamacare plans

So... more deception from the Obama administration on this. 2.1 million have not enrolled.

You really don't give a shit about them, do you? Oh, well, at least you're kind of sort of coming around to the idea of at least acting semi-responsibly wrt to health insurance.

Clearly your Imaginary Friend didn't read Post #162.

So if you keel over tomorrow, who will pay for your funeral? Who's gonna pay for any bills you owe? With your inconsistent work history, there's no way you have anything resembling a decent savings. With all the debt most Americans have, it's the height of selfishness not to have a policy, especially if you are the sole breadwinner.

Doing what your parents do isn't always smart. If they were like others that came of age before 1980, they probably saved a shit ton and were free and clear of a mortgage before retiring...which you definitely aren't. if the rest of your family doesn't have a policy, then they're selfish idiots, too.

That's one theory. Here's a competing theory: not everyone is drinking the Kool-Aid as thirstily as you are.

Say... my theory relies on fewer superfluous variables. According to Ockham, my theory wins.

Not to mention that a life insurance policy that will pay out one year's salary is incredibly cheap, so much so that almost every employer I've worked for has just automatically included it as a benefit for all full-time employees without even asking us to share in the cost.

One year's salary is enough to at least cover funeral expenses and give the surviving spouse a several-month period to figure out how they're going to make ends meet without your income. Otherwise, especially if you're the primary earner, dealing with the emotional crisis of a major personal loss will be compounded by an immediate and almost insurmountable financial crisis.

If I were married but childless, with a spouse whose own income was more than enough to support her and continue paying for the place we lived, and if we had savings that were more than enough to cover funeral expenses, I MIGHT consider going without life insurance if it were something I had to pay extra for. (I don't currently have it, because I work for a small nonprofit, but my father is the beneficiary on my IRA and closing that account would provide enough cash to pay for final expenses and take care of the loose ends.) If I had kids, no way.

^Yup. It's called Personal Responsibility. Funny how many who preach it seem to think it applies to anyone but themselves.

Mother fucking Jesus Christ on a pogostick... you really put the tard in fucktard don't you.

When you die, it's not free. Without your income would your wife be able to pay rent, utilities, for food, medicine, gas, insurance, or any of the other monthly expenses you have? Because those don't stop after you die, not to mention the costs to get rid of your carcass. If you died tomorrow what would happen without your paycheck? Who would pay for any of those costs, does your wife make enough to cover any of those on her own for even a month? I'm saying this because from what you've said, you don't have any savings.

So what if your parents didn't, they were more successful than you'll ever hope to be. Get a heart attack and die, those bills will still be there since you don't have any insurance to speak of. You're pretty much saying that the only expenses that matter to you are those you can pay while alive. Think about it, you're always worried that one of your cars will break down, if you die your family will still need another car eventually. A decent life insurance policy will provide a cushion for your family for a while, even 5 years or longer so your family doesn't end up destitute.

This is without a doubt, the most despicable thing Dayton has ever posted here.

I'm not sure.

If I died tomorrow, my dad or one of my sisters would pay for my funeral. Would not be that expensive since I would not have to pay for a plot for one thing. And our total debts amount to little more than $3,000 give or take.

I asked my wife what she would do if I died suddenly (on one of the few occasions I got her to open up about it) recently.

She said she would move back with her parents. They have a huge house, (completely paid for), plenty of room, and are more than willing to allow their children back when or if necessary. There is a large school (5A) nearby where she would get a job as a teacher's aide. Between that, my SS death benefits, and the pay out from my teacher's pension, she said her and our daughter would be fine financially.

I have had some reservations and wanted her to get her bachelor's degree in education so that if I died she could get a job easily enough as a full time teacher but she doesn't want to do that.

My wife has long insisted that finances would be the least of her worries if I died because the trauma of losing me would be so devastating to her (nice sentiments indeed, it is nice to be so loved)