Author Topic: Obamacare Master thread  (Read 199435 times)

Offline AsherO

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Re: Obamacare Master thread
« Reply #240 on: February 09, 2017, 08:41:42 AM »
Merriam-Webster › dictionary › scam
Define scam: a dishonest way to make money by deceiving people — scam in a sentence

It's a scam to make people think they will get coverage when the model is unsustainable.
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Re: Obamacare Master thread
« Reply #241 on: February 09, 2017, 08:43:43 AM »
Areivim is not a Scam and this isn't too..

They have a plan that covers up to a Million per incident.

Doing some research I heard that allot people in B.P. and Lakewood using it, maybe a new thread will bring somebody in providing its experience?

That maybe good together with a cheap Insurance Plan with an high deductible to be covered in case..
Arvach arva tzorich. (Pun intended) What makes you think that those people are being responsible by being on it?
Feelings don't care about your facts

Offline sam123

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Re: Obamacare Master thread
« Reply #242 on: February 09, 2017, 09:52:57 AM »
Okay, Negativity without knowing it, I heard already here.. Now let's wait to hear from somebody with experience.

Offline mgarfin

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Re: Obamacare Master thread
« Reply #243 on: February 09, 2017, 11:52:36 AM »
Says who? What happens when they run out of money? Which is a real possibility.

How can they run out of money? Thay have no money

What they have is a group of 15k ppl that gave them their CC Info and allow them to charge it $7 for each orphan.

Offline mgarfin

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Re: Obamacare Master thread
« Reply #244 on: February 09, 2017, 11:53:29 AM »
I personly know a family that got money from them.

Offline ExGingi

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Re: Obamacare Master thread
« Reply #245 on: February 09, 2017, 12:58:13 PM »
How can they run out of money? Thay have no money

What they have is a group of 15k ppl that gave them their CC Info and allow them to charge it $7 for each orphan.
I personally believe Areivim is a great way to give צדקה, and for some, it is a way to get some protection for one's family, though one has to realize going in that NOTHING IS GUARANTEED! The upside is that anything you end up "paying" is actually pure צדקה, so no loss there.

It is by no way a replacement for proper life insurance, in which you, as the purchaser of the policy, have control over how much is paid, when and how. Whereas with Areivim it's up to a board (that from what I hear, is 100% trustworthy).

Case in point. I have quite a bit of life insurance on myself, I am not a member of Areivim. My BIL probably does better for himself with Areivim, as he is very disorganized, and if he were to buy his own policy, it would probably lapse.
« Last Edit: February 09, 2017, 01:24:55 PM by ExGingi »
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Offline ExGingi

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Re: Obamacare Master thread
« Reply #246 on: February 09, 2017, 01:03:44 PM »
It's a scam to make people think they will get coverage when the model is unsustainable.
I don't think the model is unsustainable, as I doubt whether it has any guarantees.

And therein lies the difference between a "health share ministry" and insurance. Insurance is a highly regulated business, and requires strong finances and reserves, in order to cover out of the ordinary losses, which are guaranteed to be covered by contract (which is subject to state, and somewhat to Federal, law). A "health share ministry" is just a way of pooling money for medical expenses.
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Offline mgarfin

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Re: Obamacare Master thread
« Reply #247 on: February 09, 2017, 01:46:04 PM »
One of the things I always here when bashing this organization, is they end up charging you every month the full amount allowed ($28)

This is a screenshot of last years charges on my CC

Mods this should be moved from Obama care to life insurance

Offline ExGingi

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Re: Obamacare Master thread
« Reply #248 on: February 09, 2017, 04:36:10 PM »
One of the things I always here when bashing this organization, is they end up charging you every month the full amount allowed ($28)

This is a screenshot of last years charges on my CC

Mods this should be moved from Obama care to life insurance
And if they did charge $28 every month, would that be a reason to bash them?

Does anyone have a problem giving $28 in צדקה every month? How about giving צדקה to support a family that had a tragedy in a most dignified way? How about if when you do so, you know that someone else will actually try to help your family financially if something happens to you prematurely?

$28 a month might get someone a $1,000,000 10 year term policy, if the person qualifies for best rates (perfect health, clean driving record, no smoking). That will hold true for a 25 year old, for a 35 year old, or for a 40 year old. However, once a person doesn't qualify for best rates, or if one looks at a policy that is level for more than 10 years, forget about getting $1,000,000 of coverage for $28 or less.

Now I know that Areivim won't give $1,000,000 (except if there is R"L a death with 9 unmarried orphans and a widow), but looking at everything in balance and perspective, I don't see anything wrong with Areivim, and to quote from their website: "4) Areivim USA is not life insurance. Areivim USA has been established primarily as a charitable endeavor and its halachic status is like that of all tzedakah money collected from the public. In the event of a the passing of a member r”l, all contributions can be made with maaser money."
I've been waiting over 5 years with bated breath for someone to say that!
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Offline googwallet

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Re: Obamacare Master thread
« Reply #249 on: February 15, 2017, 11:00:53 AM »
My "private" health insurance just renewed... Some things are up by as much as 50%. Maximum out of pocket went from $5,500 to $7,150 .. Seems like all the plans are slowly turning into catastrophe plans only that they are not marketed as such and therefore we can't even use an HSA....
Health care in this country is a total disaster.
/end rant

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Re: Obamacare Master thread
« Reply #250 on: February 15, 2017, 11:03:18 AM »
My "private" health insurance just renewed... Some things are up by as much as 50%. Maximum out of pocket went from $5,500 to $7,150 .. Seems like all the plans are slowly turning into catastrophe plans only that they are not marketed as such and therefore we can't even use an HSA....
Health care in this country is a total disaster.
/end rant
hsa depends on deductible amount not how it is marketed
Feelings don't care about your facts

Offline Moshe123

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Re: Obamacare Master thread
« Reply #251 on: February 15, 2017, 11:50:32 AM »
IRS won't reject returns that don't report on insurance, kneecapping individual mandate https://t.co/n2UM3zUMpw

Offline KidOOO

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Re: Obamacare Master thread
« Reply #252 on: February 15, 2017, 12:30:48 PM »
My "private" health insurance just renewed... Some things are up by as much as 50%. Maximum out of pocket went from $5,500 to $7,150 .. Seems like all the plans are slowly turning into catastrophe plans only that they are not marketed as such and therefore we can't even use an HSA....
Health care in this country is a total disaster.
/end rant
AFAIK HSA eligibility is based on deductible amount and not what the plan is called / labeled

Offline mgarfin

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Re: Obamacare Master thread
« Reply #253 on: February 15, 2017, 02:26:31 PM »
Talking HSA

What's the easiest way to set one up?

Offline Sammy82

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Re: Obamacare Master thread
« Reply #254 on: February 15, 2017, 02:41:15 PM »
Talking HSA

What's the easiest way to set one up?
I use this one alliantcreditunion.org

Offline ExGingi

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Re: Obamacare Master thread
« Reply #255 on: February 15, 2017, 06:08:24 PM »
My "private" health insurance just renewed... Some things are up by as much as 50%. Maximum out of pocket went from $5,500 to $7,150 .. Seems like all the plans are slowly turning into catastrophe plans only that they are not marketed as such and therefore we can't even use an HSA....
Health care in this country is a total disaster.
/end rant
1. So-called "catastrophic plans" (which one can only buy up to age 30) are not HSA compatible.
2. Health care is not a disaster, it's the way it is paid for that is.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ExGingi

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Offline mgarfin

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Re: Obamacare Master thread
« Reply #257 on: February 27, 2017, 06:38:48 PM »
Anyone have info on setting up a stand alone HRA

Offline ExGingi

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Re: Obamacare Master thread
« Reply #258 on: February 27, 2017, 08:26:04 PM »
Anyone have info on setting up a stand alone HRA

Check out http://www.coredocuments.com/stand-alone-hra-returns-qsehra/

There might be other companies out there that provide you with compliant documents.
I've been waiting over 5 years with bated breath for someone to say that!
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Offline ExGingi

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Re: Obamacare Master thread
« Reply #259 on: February 27, 2017, 08:28:05 PM »
Anyone have info on setting up a stand alone HRA

Also see here for some FAQ: https://www.dpath.com/qsehra-faqs/
I've been waiting over 5 years with bated breath for someone to say that!
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