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bigbearfng

Skydiving Instructors lack of benefits/insurance-Koji

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She said she makes less than $12,000 a year, but she hasn't said whether she has other income or is racking up debt. I continue to pound her because I don't believe she's living on near poverty wages and paying nearly $2,000 per year for health insurance, without either outside income or debt.



Right...cause her motivation to lie is so clear...



No, because it's highly improbable that her numbers add up the way she claims they do.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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Assume, hypothetically, a person making $20,000 per year owes $500,000 in medical bills. In your idealistic view of the world, what should that person do? Rob a bank? Kill off a loved one? Become an indentured servant?



The reality is that they will never be able to pay the entire debt. That does not mean, though, that they have the right to walk away from it completely.

-s
_____________
I'm not conceited...I'm just realistic about my awesomeness...

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Assume, hypothetically, a person making $20,000 per year owes $500,000 in medical bills. In your idealistic view of the world, what should that person do? Rob a bank? Kill off a loved one? Become an indentured servant?



The reality is that they will never be able to pay the entire debt. That does not mean, though, that they have the right to walk away from it completely.

-s



If a hospital will work with you, you should continue making payments, if you can. But if the payments are more than you can reasonably afford, or if that debt is going to prevent you from ever being able to own a home, take advantage of the legal systems in place to discharge that debt. I agree that taking bankruptcy is not fare to the hospital, but nobody ever said life is fare. Your failure to repay that debt will have relatively little impact on anyone's life, in comparison to the debt's impact on your life.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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Your failure to repay that debt will have relatively little impact on anyone's life, in comparison to the debt's impact on your life.



It's relatively nobody's fault but your own...

I'm sorry, but I am not going to lose $10 to save you from losing $100.
_____________
I'm not conceited...I'm just realistic about my awesomeness...

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Douva,

You've been given the information you need in my posts. You just have a major issue with someone who's viewpoint is different than yours and have a massive chip on your shoulder - for whatever reason.

I haven't wasted my time/energy lying to you. My posts are what they are. Deal with it.
Life is short! Break the rules! Forgive quickly! Kiss slowly! Love truly, Laugh uncontrollably. And never regret anything that made you smile.

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Your failure to repay that debt will have relatively little impact on anyone's life, in comparison to the debt's impact on your life.



It's relatively nobody's fault but your own...



Fine, you continue living in your ideal world where people choose to ruin their lives rather than deny owed money to hospitals.

The rest of us are going to accept that sometimes bad shit happens and that some very wise people in the U.S. government developed a system a long time ago that grants second chances to people who've had bad shit happen, regardless of who is at fault. And believe it or not, sometimes people are seriously injured without anyone being at fault.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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Douva,

You've been given the information you need in my posts. You just have a major issue with someone who's viewpoint is different than yours and have a massive chip on your shoulder - for whatever reason.

I haven't wasted my time/energy lying to you. My posts are what they are. Deal with it.



I don't think you're lying, but I question whether or not you're considering every factor. Are you saying that you have absolutely no outside sources of income (nobody else is paying any of your bills or living expenses) and that you're not regularly incurring debt (you haven't taken out any loans and/or don't put a little bit on your credit cards each month)?

If that's the case, and I suppose it could be, are you living in conditions you would be willing to endure indefinitely, or are you living an impoverished lifestyle, with the understanding that you're situation will improve in a few years when you graduate school and get a good job? After all, this isn't a discussion about struggling to pay for insurance for a couple of years; it's about struggling to pay for it year after year after year, indefinitely.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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:D Still trying to look for something that isn't there, huh? Again...you've been given the information you need in my posts.

Regarding insurance, I will never be without insurance - a choice I have made for me.
Life is short! Break the rules! Forgive quickly! Kiss slowly! Love truly, Laugh uncontrollably. And never regret anything that made you smile.

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I've said it before and I'll say it again - if you can't afford insurance, you can't afford to skydive. For about 8 months I jumped while I wasn't working. As soon as I left my job I bought individual insurance. Never had to use it, but I wouldn't have jumped if it weren't there.



Damn right!!! This sport was *started* by people who could afford all the latest gear (in matching colors), AADs, turbine aircraft, the finest cars, and (of course) medical insurance. Anyone who doesn't respect those traditions shouldn't be jumping.

Walt

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Attitudes like yours make me sick. You haven't got a clue what life is like for somebody working 40-60 hours a week to make $25,000-$30,000 per year. You make a six figure income and have your health insurance paid by your employer, and you presume to preach to the rest of us about how we spend our meager incomes. How about we just socialize medicine, cut your salary to about 1/3 - 1/4 of what it currently is, and then EVERYBODY can afford health care. Does that plan work for you?



To be fair, I think I remember him posting that he's a resident, but I'm not sure about that.

Also, I don't think most doctors make all that much money--particularly considering the huge amount of debt from student loans that many have after graduation.

Walt

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Insurance is a difficult topic. Be it health, life, disability or liability.... it's taking a gamble or giving your money to someone else to take that gamble. Either way.... it's a personal choice. Either answer might be "right" for that individual... but then that person has to accept responsibility for decisions made in his/her life.



That's the smartest paragraph in this discussion. Insurance is a gamble, and the providers are the house. Though they might lose their ass on one individual, they structure their rates such that they're going to make money off of most people. Gambling in this game is all about acceptable risk exposure. Some people go to Vegas willing to risk several thousand dollars, some people only a hundred. The casino will likely make money off of both. Some people only carry catastrophic medical coverage, others carry low deductibles and stay inside an HMO network. The insurers will likely make money off of both of them. The uninsured are the only people guaranteed not to make money for insurers, but they're also the ones exposed to massive risk. I don't feel particularly sorry for a guy who loses his house because he mortgaged it on a trip to Vegas, and I don't feel particularly sorry for someone who racks up 6 figure medical bills while skydiving uninsured. If they're a friend, I might help them out anyhow, because we forgive our friends their mistakes. A stranger...well, he shouldn't have gambled so heavily.

Blues,
Dave
"I AM A PROFESSIONAL EXTREME ATHLETE!"
(drink Mountain Dew)

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"Independent contractors" ARE their "employers"

So by your note, they are kicking themselves in the face.

"Independent contractors" need to arrange for their own insurance.
-----------------------------------------------------
Point taken
---------------------------------------------------

Perhaps a way to do this would be to organize a cooperative where they can approach insurance companies and leverage their numbers to get better deals on insurance. This is much better than forming a union and trying to force the (regular jumpers via the) DZOs to cover their care.

It's one idea.


That is possible today, Its called a "Natural Group" and if a group of skydiving instructors got together and wanted to purchase a group policy, they could. At least that is possible in the state of florida anyway.

I have been in the insurance industry for 20 years in Florida and I get so sick of people griping about insurance with half truths and innuendos (sp).

Folks, just educate yourselves. NO, insurance is NOT "affordable" for every one but is "affordable" for most. It is about choices. Yes, MOST anyone can find affordable MAJOR MEDICAL for less than $150 a month (in FLA anyway) and for you 20 Somethings, BC/BS has some EXTREMELY affordable programs.

Also, if you will agree to a LARGE deductible and investigate an HSA (health savings account) and EDUCATE yourself about the product, it is affordable for ALMOST anyone.

If you have ANY questions, please feel free to email me or post here, I'll do my best to provide an answer, and NO, I AM NOT ADVERTISING for your business, I just get tired of people being uninformed about something so important.

[RANT OFF]. :)

Scott

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If someone has the means to pay their medical bills, even if it's a financial hardship, that person should absolutely do so. But if a person's medical bills are five times what he or she might ever be able to pay for a house, that person may have to explore other options.



And when they explore those other options, they'll be passing their bills onto others who weren't skydiving without insurance. That's being irresponsible.

Blues,
Dave
"I AM A PROFESSIONAL EXTREME ATHLETE!"
(drink Mountain Dew)

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If someone has the means to pay their medical bills, even if it's a financial hardship, that person should absolutely do so. But if a person's medical bills are five times what he or she might ever be able to pay for a house, that person may have to explore other options.



And when they explore those other options, they'll be passing their bills onto others who weren't skydiving without insurance. That's being irresponsible.

Blues,
Dave



Deal with it. There is danger in life. If they weren't hurt skydiving without insurance, they might have been hurt skiing without insurance or playing golf without insurance or walking down an icy street without insurance. It's not like you're going to receive a bill for somebody else's injury.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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:D Still trying to look for something that isn't there, huh? Again...you've been given the information you need in my posts.

Regarding insurance, I will never be without insurance - a choice I have made for me.



What I'm looking for is an answer. You've made numerous posts WITHOUT answering my questions. If you have absolutely no outside sources of income, are incurring no debt, and would willing maintain your current lifestyle indefinitely, quit dodging my questions and say so. If you're not willing to answer those simple questions, nothing you've posted so far carries any weight in this discussion.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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It's not like you're going to receive a bill for somebody else's injury ?????!!!!!

Don't you understand that that very rational is a large part of the reason that medical attention is so expensive today and therefore that health insurance is so expensive??

I honestly cant believe you just "said" that? Or were you being sarcastic?? [:/]

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Douva,

If you care to go back and actually read my posts regarding your questions, you will find all the financial information that you need to answer the question you keep reiterating. If you can not find those answers...that's your issue. You have all the financial information that I will give you - as there is nothing more to add. :S

edited to finish my thought
Life is short! Break the rules! Forgive quickly! Kiss slowly! Love truly, Laugh uncontrollably. And never regret anything that made you smile.

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Douva, you keep questioning the plausability of her income... I dont know her, but I can attest that my financial status was basically identical to hers for 8 years. I left home at 17. Had almost full scholarship for undergrad, worked 40-60 hours a week on top of school during undergrad as a midnight waitress to pay ALL of my expenses. Grad school tuition was student loaned for one degree, the other was through a grant. I worked about 20 hours a week on top of two full time degree programs to pay the bills. I drove a piece of shit car, lived in a slum, ate a lot of noodles.

Oh, and I still had health insurance. I made hard choices about where money was going to go, but survived 8 years that way. My only debt was student loan... no credit cards or anything else. Now I'm paying for the student loans, and as an eye doctor, it still amazes me how many people expect me to do my job for free even though I've been paying for my education for 7 years and still have another year to go before my $126K debt is paid.

Enough detail for you?

Oh, I work as a packer every weekend just so I can afford to jump. Even now. As a doctor.

Do or do not, there is no try -Yoda

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Douva,

If you care to go back and actually read my posts regarding your questions, you will find all the financial information that you need to answer the question you keep reiterating. If you can not find those answers...that's your issue. You have all the financial information that I will give you - as there is nothing more to add. :S

edited to finish my thought



I re-read your posts and saw a lot of information about how you've cut costs and avoided using credit cards, but I didn't see where you explicitly denied having outside income or debt, and I definitely didn't see any remarks about how long you'd be willing to maintain your current lifestyle. You've claimed that I am digging for something that's not there because I have a chip on my shoulder. If you don't have any outside income or debt and would be willing to continue your lifestyle indefinitely, say so, and you'll shut me up for good. Personally, I suspect you were a little too quick to declare, "I make less than $12,000 per year....So, someone making $20,000-30,000 - hot damn! They can afford insurance," never stopping to consider that your situation is not the same as most people attempting to live indefinitely off an income only marginally above the poverty level. But if I'm wrong, say so.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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Attitudes like yours make me sick. You haven't got a clue what life is like for somebody working 40-60 hours a week to make $25,000-$30,000 per year. You already have your insurance paid for by your employer and will soon be making a six figure income, and you presume to preach to the rest of us about how we spend our meager incomes. How about we just socialize medicine, cut your future salary to about 1/3 - 1/4 of what it would have been, and then EVERYBODY can afford health care. Does that plan work for you?



To be fair, I think I remember him posting that he's a resident, but I'm not sure about that.

Also, I don't think most doctors make all that much money--particularly considering the huge amount of debt from student loans that many have after graduation.

Walt



Fair enough. I fixed it.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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Douva, you keep questioning the plausability of her income... I dont know her, but I can attest that my financial status was basically identical to hers for 8 years. I left home at 17. Had almost full scholarship for undergrad, worked 40-60 hours a week on top of school during undergrad as a midnight waitress to pay ALL of my expenses. Grad school tuition was student loaned for one degree, the other was through a grant. I worked about 20 hours a week on top of two full time degree programs to pay the bills. I drove a piece of shit car, lived in a slum, ate a lot of noodles.

Oh, and I still had health insurance. I made hard choices about where money was going to go, but survived 8 years that way. My only debt was student loan... no credit cards or anything else. Now I'm paying for the student loans, and as an eye doctor, it still amazes me how many people expect me to do my job for free even though I've been paying for my education for 7 years and still have another year to go before my $126K debt is paid.

Enough detail for you?

Oh, I work as a packer every weekend just so I can afford to jump. Even now. As a doctor.



If you were working 40-60 hours per week as a waitress and only making $12,000 per year, you really should have looked around for a better restaurant. Regardless, you were living a college lifestyle. You were willing to put up with it because you knew things would be better when you graduated. One of the points I keep trying to make is that people who earn that kind of income and don't know if their situations will ever improve are in a different situation. It's a VERY different situation if they have kids. That $2000 per year may be the difference between whether or not that person can replace the burned out transmission in the car he or she uses to get to work. Or it may be the difference in whether or not his or her kids eat.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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I have been glancing through this thread and have a question. Anyone familar with the best companies to go through to get individual insurance???

and what about the skydiving factor????......I know someone that go hurt skydiving and their insurance company dropped them.............what then?????? How do you get picked back up???:|:| ......anyone have this experience????

till later have fun & love each other seeya mb65johnny gates....
In skydiving, the only thing that stops you is the ground..............
PMS# 472 Muff #3863 TPM#95

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It's not like you're going to receive a bill for somebody else's injury.



You're kidding, right? While their name may not appear on my bill, their costs most certainly do.

Blues,
Dave



Yes, there is a slight increase in your medical bills and/or insurance premiums. Again, that's the way the system works. Other people aren't required to have their lives ruined simply because the other option costs you a few dollars more than you would otherwise pay.
I don't have an M.D. or a law degree. I have bachelor's in kicking ass and taking names.

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