OT: Anyone hear the NPR interview about the person getting dependant care coverage from parents

[Coronita]

I was wondering if any of you listened to NPR this morning about the person that just graduated from college and being employed at 3 jobs, and still applying for health care coverage under her parent’s health plan.

I wasn’t able to listen to the entire discussion, just the beginning but I thought this was a little odd.

Apparently, under the new health plan, insurance plans must extend dependent car coverage to “dependants” up to age 26. I don’t understand the full details, could someone enlighten me? The interview was basically stating there was a bunch of restrictions/etc, but the premise was that the lady said it was a good thing for her to be able to attach to her parent’s plan since for her to purchase insurance by herself was too expensive. She also said she was in good health with no problems.

I don’t know. But I don’t understand this…First, she graduated from college and from what I could tell, she said that she was already “independent” since she had her own jobs (2-3 i think). She said that non of her employers offered a health plan, and that buying her own plan was too expense. But this is where I don’t get.

When I was independently working, I was able to get a BlueCross health plan for about $100-200/month. It had a $500 deductible, but beyond which 90% of everything was covered and about $2000, it was 100% coverage. Plus copays were $10 per visit, and prescription was $20…The person in the interview said that she was healthy.

Question: why did she say she can’t afford her own insurance? And why should someone who has their own job and otherwise be considered “independent” still have the option to be considered “dependent” on someone else’s insurance??
My beef with this…Is doesn’t this end up driving insurance costs up for the plan (her parents), and assuming everyone else on the same plan has that option to, the total cost of that group plan goes up? I can understand if that person in the interview had health issues and couldn’t get coverage because of a pre-existing condition. But she says she’s healthy, just that getting her own insurance was too expensive….It just seems like free-loading to me.

[Coronita]

Ok… I might have made some assumptions.

This was the interview.

http://www.npr.org/templates/story/story.php?storyId=128818541

Apparently the person only makes $18,000 year. I guess then a $200/month insurance premium would be expensive for her. nevermind.

Maybe I’m just a old fart. But the thing is, from the article it was quoted as

“Here’s what a lot of friends my age and in the same situation are focusing all their energy on: transitioning from freelance — or part-time — to full-time work with benefits. Not health insurance.”

Maybe this just rubs me the wrong way but….As much as I like would like to “freelance” and do whatever the hell I want, I was raised in that the bills do need to be paid… I don’t know. I don’t understand why I folks feel like the should be entitled to “freelance” and yet have others pick up their health insurance tab too.

Not getting it…..

[Coronita]

Ok… I might have made some assumptions.

This was the interview.

http://www.npr.org/templates/story/story.php?storyId=128818541

Apparently the person only makes $18,000 year. I guess then a $200/month insurance premium would be expensive for her. nevermind.

Maybe I’m just a old fart. But the thing is, from the article it was quoted as

“Here’s what a lot of friends my age and in the same situation are focusing all their energy on: transitioning from freelance — or part-time — to full-time work with benefits. Not health insurance.”

Maybe this just rubs me the wrong way but….As much as I like would like to “freelance” and do whatever the hell I want, I was raised in that the bills do need to be paid… I don’t know. I don’t understand why I folks feel like the should be entitled to “freelance” and yet have others pick up their health insurance tab too.

Not getting it…..

[Coronita]

Ok… I might have made some assumptions.

This was the interview.

http://www.npr.org/templates/story/story.php?storyId=128818541

Apparently the person only makes $18,000 year. I guess then a $200/month insurance premium would be expensive for her. nevermind.

Maybe I’m just a old fart. But the thing is, from the article it was quoted as

“Here’s what a lot of friends my age and in the same situation are focusing all their energy on: transitioning from freelance — or part-time — to full-time work with benefits. Not health insurance.”

Maybe this just rubs me the wrong way but….As much as I like would like to “freelance” and do whatever the hell I want, I was raised in that the bills do need to be paid… I don’t know. I don’t understand why I folks feel like the should be entitled to “freelance” and yet have others pick up their health insurance tab too.

Not getting it…..

[Coronita]

Ok… I might have made some assumptions.

This was the interview.

http://www.npr.org/templates/story/story.php?storyId=128818541

Apparently the person only makes $18,000 year. I guess then a $200/month insurance premium would be expensive for her. nevermind.

Maybe I’m just a old fart. But the thing is, from the article it was quoted as

“Here’s what a lot of friends my age and in the same situation are focusing all their energy on: transitioning from freelance — or part-time — to full-time work with benefits. Not health insurance.”

Maybe this just rubs me the wrong way but….As much as I like would like to “freelance” and do whatever the hell I want, I was raised in that the bills do need to be paid… I don’t know. I don’t understand why I folks feel like the should be entitled to “freelance” and yet have others pick up their health insurance tab too.

Not getting it…..

[Coronita]

Ok… I might have made some assumptions.

This was the interview.

http://www.npr.org/templates/story/story.php?storyId=128818541

Apparently the person only makes $18,000 year. I guess then a $200/month insurance premium would be expensive for her. nevermind.

Maybe I’m just a old fart. But the thing is, from the article it was quoted as

“Here’s what a lot of friends my age and in the same situation are focusing all their energy on: transitioning from freelance — or part-time — to full-time work with benefits. Not health insurance.”

Maybe this just rubs me the wrong way but….As much as I like would like to “freelance” and do whatever the hell I want, I was raised in that the bills do need to be paid… I don’t know. I don’t understand why I folks feel like the should be entitled to “freelance” and yet have others pick up their health insurance tab too.

Not getting it…..

[meadandale]

Yeah…I don’t either.

I have a hard time understanding how this new ‘entitlement’ generation, that wants all kinds of free stuff and doesn’t want to work…or at least that hard…is going to be able to support SS in 30 years with their payments. It’s all gonna come crashing down sooner rather than later…

[meadandale]

Yeah…I don’t either.

I have a hard time understanding how this new ‘entitlement’ generation, that wants all kinds of free stuff and doesn’t want to work…or at least that hard…is going to be able to support SS in 30 years with their payments. It’s all gonna come crashing down sooner rather than later…

[meadandale]

Yeah…I don’t either.

I have a hard time understanding how this new ‘entitlement’ generation, that wants all kinds of free stuff and doesn’t want to work…or at least that hard…is going to be able to support SS in 30 years with their payments. It’s all gonna come crashing down sooner rather than later…

[meadandale]

Yeah…I don’t either.

I have a hard time understanding how this new ‘entitlement’ generation, that wants all kinds of free stuff and doesn’t want to work…or at least that hard…is going to be able to support SS in 30 years with their payments. It’s all gonna come crashing down sooner rather than later…

[meadandale]

Yeah…I don’t either.

I have a hard time understanding how this new ‘entitlement’ generation, that wants all kinds of free stuff and doesn’t want to work…or at least that hard…is going to be able to support SS in 30 years with their payments. It’s all gonna come crashing down sooner rather than later…

[AK]

Yeah, I guess it’ll drive up costs for employers and policyholders.

No, I don’t think it’s practical for many young adults to purchase private health insurance … it’s hard to qualify for an individual policy unless you’re in absolutely perfect health, and that age group gets raked over the coals for car insurance. And let’s face it, a car is a necessity, especially since relying on public transit shrinks the pool of potential jobs drastically.

No, I don’t think that young adults are net beneficiaries because when they do get their own insurance, they’ll be required to pay higher premiums to subsidize old farts like myself.

I don’t think this is necessarily a blue state / red state issue, since the trend of covering adult children started in some of the reddest states of all.

[AK]

Yeah, I guess it’ll drive up costs for employers and policyholders.

No, I don’t think it’s practical for many young adults to purchase private health insurance … it’s hard to qualify for an individual policy unless you’re in absolutely perfect health, and that age group gets raked over the coals for car insurance. And let’s face it, a car is a necessity, especially since relying on public transit shrinks the pool of potential jobs drastically.

No, I don’t think that young adults are net beneficiaries because when they do get their own insurance, they’ll be required to pay higher premiums to subsidize old farts like myself.

I don’t think this is necessarily a blue state / red state issue, since the trend of covering adult children started in some of the reddest states of all.

[AK]

Yeah, I guess it’ll drive up costs for employers and policyholders.

No, I don’t think it’s practical for many young adults to purchase private health insurance … it’s hard to qualify for an individual policy unless you’re in absolutely perfect health, and that age group gets raked over the coals for car insurance. And let’s face it, a car is a necessity, especially since relying on public transit shrinks the pool of potential jobs drastically.

No, I don’t think that young adults are net beneficiaries because when they do get their own insurance, they’ll be required to pay higher premiums to subsidize old farts like myself.

I don’t think this is necessarily a blue state / red state issue, since the trend of covering adult children started in some of the reddest states of all.

[AK]

Yeah, I guess it’ll drive up costs for employers and policyholders.

No, I don’t think it’s practical for many young adults to purchase private health insurance … it’s hard to qualify for an individual policy unless you’re in absolutely perfect health, and that age group gets raked over the coals for car insurance. And let’s face it, a car is a necessity, especially since relying on public transit shrinks the pool of potential jobs drastically.

No, I don’t think that young adults are net beneficiaries because when they do get their own insurance, they’ll be required to pay higher premiums to subsidize old farts like myself.

I don’t think this is necessarily a blue state / red state issue, since the trend of covering adult children started in some of the reddest states of all.

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