1/3/2011 8:43:53 PM

The gf and I are without insurance, I make around 25k a year. Birth control pills are ~$25 out of pocket at RiteAid which we alternate months who pays. How is that expensive?

1/3/2011 10:50:44 PM

That's not expensive, no argument there. If it was a pill for me than I would do it, but I am not the one taking them.

I am a chemist, and BC pills for men is something that is an active area of study (so I have heard).

1/3/2011 11:49:39 PM

I think all your talk about people being spoiled was so troubling because you seem to be the spoiled one.

People who actually grew up without a lot of means would never need to make this thread because they'd already know what happens if you get pregnant without insurance--in their lives, they would have probably seen it happen to their mother, their sister, their neighbor, their brother's girlfriend, their best friend's mom, or somebody! It's like you're a super sheltered, spoiled rich kid who wants to know if working class people are getting some sort of sweet deal--they're not--or if being purposefully poor so you can qualify for Medicaid/some program is a good idea--it isn't!

Aren't you a graduate student?

1/4/2011 4:29:24 AM

Quote :

"We do use condoms, but sometimes the romance happens and you just can't help it. "

The next time the "romance happens and you just can't help it" stop and think about the child you could bring into this world. Think about your combined salary and how you will struggle for the years to come and you will do everything you can, but yet you just can't get ahead. You aren't even married yet, do you really want to start off a marriage with having to raise a child?
The fact of the matter is, you can help it. You can have the self control to stop and put a condom on. What does it take 30 seconds, tops? 30 seconds as opposed to 18-22 years. Stop being irresponsible and start thinking about the possible consequences of your actions.

[/rant]

1/4/2011 8:09:27 AM

Quote :

"BC doesn't work for us b/c without insurance it is expensive"

Quote :

"That's not expensive, no argument there. If it was a pill for me than I would do it, but I am not the one taking them."

So the issue is that while the pills aren't expensive, you refuse to [help] pay for them because you're not taking them, and I assume the girlfriend FIANCE has some issue with this because she doesn't want to take BC either.

I see this marriage going well.

Is there a legit medical reason she can't take BC (increase in blood clots, for example)?

Btw condoms are wayy more expensive than BC depending on how much you have sex...unless you're depending on those 3 freebies a day from the NC State Health Center.

1/4/2011 8:26:25 AM

Only 3 a day? Do they want us to have kids or what?????

1/4/2011 8:33:08 AM

Abstinence. You really should have listened to all the great sex-ed education they have in schools. The programs seem to be working with everybody else in the country, what's your problem?

1/4/2011 8:33:40 AM

For the rest of the world's sake, please don't procreate. Jesus the stupidity

1/4/2011 8:44:49 AM

congratulations!

1/4/2011 9:27:33 AM

Condoms are cheap online, and compared to the cost of spawn it's worth getting them AND the pill. If you do it twice a day it'll cost you about $60 a month for both, way cheaper than a kid.

1/4/2011 9:38:39 AM

I'm truly baffled that someone can have a degree, access to the internet, and is apparently literate yet still needed to start a thread for this.

Bag it before you tag it. Get her the pill. Stop tagging it. Help pay her pay for insurance, etc.

1/4/2011 9:46:25 AM

^^You can get condoms free at the health clinic.

1/4/2011 10:13:37 AM

1/4/2011 10:24:38 AM

Quote :

""BC doesn't work for us b/c without insurance it is expensive""

If you think BC is expensive, you have no idea how quickly out of hand your finances will get once you get preggers.

Paying for BC is minuscule compared to the costs of bearing and RAISING (properly) a child. You need to re-evaluate your situation if BC is too much.

Quote :

"Condoms are cheap online, and compared to the cost of spawn it's worth getting them AND the pill. If you do it twice a day it'll cost you about $60 a month for both, way cheaper than a kid."

Quote :

"You can get condoms free at the health clinic."

Quote :

"Bag it before you tag it. Get her the pill. Stop tagging it. Help pay her pay for insurance, etc."

Quote :

"You're a big boy and girl. Don't be an idiot--go get the damn health insurance."

[Edited on January 4, 2011 at 10:32 AM. Reason : .]

1/4/2011 10:28:47 AM

^^^ ordering enough to last several months online is easier, especially if you are no longer a student.

Also, I HATE that I can no longer decline preggo coverage on health insurance. I can't have and don't want spawn and should not have to pay for other people to have them just because I am female.

1/4/2011 11:08:20 AM

^ Wow. That's messed up that you can't decline. What a load of croc.

1/4/2011 11:19:36 AM

^^I've got news for you: EVERYONE (male or female) pays for other people's kids one way or another, get used to it.


[Edited on January 4, 2011 at 11:21 AM. Reason : f]

1/4/2011 11:20:41 AM

You can get high-deductible ($2500/yr) health insurance for $50/month to avoid going bankrupt at least.

1/4/2011 11:46:50 AM

abortion?

1/4/2011 12:01:41 PM

^^^ It was part of Obamacare. Just looked at BCBS rates and I guess it's going to be implemented later. Maternity coverage almost doubles the price of health insurance for women (which is still almost double what men pay) so I hope it never happens.

If she won't get an abortion, look forward to an extra $200 a month in health insurance for the girlfriend in case you knock her up!

1/4/2011 12:04:11 PM

Quote :

"People who actually grew up without a lot of means would never need to make this thread because they'd already know what happens if you get pregnant without insurance--in their lives, they would have probably seen it happen to their mother, their sister, their neighbor, their brother's girlfriend, their best friend's mom, or somebody! It's like you're a super sheltered, spoiled rich kid who wants to know if working class people are getting some sort of sweet deal--they're not--or if being purposefully poor so you can qualify for Medicaid/some program is a good idea--it isn't!"

Hah

My lil sis has three babies from 2 different dads. Started when she was sixteen and has been married 3 times.

STFU

1/4/2011 12:18:59 PM

Quote :

"If you think BC is expensive, you have no idea how quickly out of hand your finances will get once you get preggers."

not if you're on Medicaid

1/4/2011 12:20:54 PM

Quote :

"My lil sis has three babies from 2 different dads. Started when she was sixteen and has been married 3 times."

So you're either 1) a liar who knows exactly what's going to happen if she gets pregnant and just looking for sympathy/govt loopholes/the easy way out to solve your problem, 2) completely ignorant and stole someone else's unity ID to get a TWW account bc I KNOW a State student/grad can't be that moronic, or 3) trolling

I had a little girl 13 months ago (ok, so my wife technically had her...) and I can tell you right now, if you can't afford $25-50/month for BC then

Quote :

"what would happen if she got pregnant?"

= abortion/adoption/unjust burden on your parents/responsible citizens.

GROW UP!! /echoing every other post ITT

Edit: oh, and i make $35k and my wife is in nursing school be we're somehow managing just fine with our expenses.

[Edited on January 4, 2011 at 12:34 PM. Reason : ]

1/4/2011 12:32:54 PM

Quote :

"= abortion/adoption/unjust burden on your parents/responsible citizens. GROW UP!! /echoing every other post ITT"

This has been blow out of proportion b/c of the amount of people that jump on a high horse and get worked up over health care.

we had one scare after a bc prescrip (that cost 70$/month) ran out and got scared and we were curious. My sis was different cuz she married into the military.

I think that it is ridiculous for conservatives to expect someone that is completely independent of their parents making 1200-1500 $ a month pay all of their bills (rent, car, car insurance, power, utilities, phone, internet, etc..) and groceries and then on top of that, another 150-250 for health insurance. You are asking them to sacrifice so much that you don't have to that it is what I hate most about this countries policies.

On top of that, I think that it is inherently racist b/c the people affected most by these policies are the blacks and hispanics.

So, the next time you or someone else says "I dont want my hard earned dollars to pay for someone elses healthcare", just think of how many people are already completely fucked by the system.

Healthcare should be universal, and people should not have to go in debt to have a baby. Look at England, that's what they do. What the fuck is so special about us?

[Edited on January 4, 2011 at 12:47 PM. Reason : fv]

1/4/2011 12:46:10 PM

Quote :

"I think that it is ridiculous for conservatives to expect... "

democrats were the ones trying to make it mandatory

1/4/2011 12:48:52 PM

I make half what you do and pay for health insurance. You are just completely devoid of any financial sense.

1/4/2011 12:50:34 PM

Quote :

"we had one scare"

in the OP you said "SOME close callS"

Quote :

"making 1200-1500 $ a month"

your girl makes the same and you're only paying half of the rent, etc.

Quote :

"that it is what I hate most about this countries policies"

move

1/4/2011 12:54:07 PM

Quote :

"So, the next time you or someone else says "I dont want my hard earned dollars to pay for someone elses healthcare", just think of how many people are already completely fucked by the system."

Please do not represent the argument for a more nationalized health care in this manner.

People paying taxes and buying coverage are already having to eat the costs of those with out. By nationalizing healthcare, we could cut out a lot of needless middlemen, and lower total OH and admin costs. Not to mention, by having more access, one can reduces more expensive visits once a health issue has progressed, and the added health/mental savings of the reduction of stress (which adds to health costs in the long run). A healthy society also can be more productive--pay more taxes indirectly via expenditures previously offset or via a higher gross income --income tax.y

[Edited on January 4, 2011 at 1:08 PM. Reason : yikes my post is some what drivel-ed]

1/4/2011 1:07:11 PM

Quote :

"This is not a health care thread."

by BanjoMan

So why are you jumping on the healthcare / insurance bandwagon here?

Honestly, just STFU about this "conservative dogma" bullshit. Quit making this a fucking political issue, dude. You're supposedly asking a hypothetical question of what happens if she gets pregnant. ---YOU FUCKING WORK 2 JOBS AND DROP OUT OF SCHOOL. That's what you do. You pay $12-15k out of pocket or you get married.

People on here are offering REAL responses from their own lives. You're engaged, man. Get the legal marriage DONE and get her on your insurance, or fucking BUDGET in health insurance for your fiancee.

1. Alternate birth control methods -- there are 3 pages of suggestions on here
2. Get rid of internet
3. Drop to the lowest phone plan and maybe do a family plan
4. Get a programmable thermostat so your electric bill is lower
5. Try carpooling to save gas
6. Knock down credit card debt
7. Talk to your landlord about re-negotiating rent
8. Don't go out to eat
9. Shop in bulk at Sam's Club
10. Buy clothes at TJ Maxx or Ross

[Edited on January 4, 2011 at 1:18 PM. Reason : .]

1/4/2011 1:17:42 PM

Yes thank you.

A lot of people are taking jabs at me though, and I want to maintain my tww image as a baller.

You got plex, I got the pump

1/4/2011 1:24:47 PM

Quote :

"Healthcare should be universal, and people should not have to go in debt to have a baby. Look at England, that's what they do. What the fuck is so special about us?"

It shouldn't be universal. Why should others pay for you to afford the luxury of a child? While we're at it, I want a bigger house and nicer car. Maybe I can con society into paying for that as well? As far as England goes, you'd easily pay several hundred dollars more in taxes each month in England for your "free" healthcare.

1/4/2011 1:31:56 PM

^^Okay, ghetto talk. If I have a grudge, you have a gun? Thought you were a liberal. Guns r bad, mmkay?

1/4/2011 1:35:40 PM

dear mods, we can haz in chit chat?

1/4/2011 1:38:07 PM

Quote :

"t shouldn't be universal. Why should others pay for you to afford the luxury of a child? While we're at it, I want a bigger house and nicer car. Maybe I can con society into paying for that as well? As far as England goes, you'd easily pay several hundred dollars more in taxes each month in England for your "free" healthcare."

Fine

With

Me

I have gotten enough feedback. Can we lock the thread?

[Edited on January 4, 2011 at 1:58 PM. Reason : nm]

1/4/2011 1:43:15 PM

Quote :

"Why should others pay for you to afford the luxury of a child?"

I signed up to insurance for 2 years and spent $7,200.

I visited the doctor ONE TIME for a sore throat. I only saved $39 out of the $141 bill. I'd have to spend $5000 out of my own money in one year in order to profit from the thousands I put into it.

I was paying $300/month, they should have covered all of this shit.

I canceled the insurance policy and I'm not guaranteed my money back

Why should I have to pay for other people's hospital bills.

The only way you win at insurance is if you fail at life! Fuck that gamble so early in my life.

[Edited on January 4, 2011 at 1:53 PM. Reason : .]

1/4/2011 1:52:04 PM

I would like to preemptively nominate this thread for 2011 thread of the year

1/4/2011 2:10:57 PM

^^It's been several years since I paid out of pocket but it was only $110 / mo from bcbs. If you think it's such a racket then why did you continue to pay for it? It comes in pretty handy during infrequent major medical operations which one would not expect to have every two years.

^Agreed

[Edited on January 4, 2011 at 2:13 PM. Reason : ^]

1/4/2011 2:13:00 PM

Quote :

"You are asking them to sacrifice so much that you don't have to that it is what I hate most about this countries policies. "

THIS is where much of your problem lies. You're making the absolutely moronic assumption that the people in this thread who are financially responsible must be making money hand over fist and have never been in a similar situation as yourself. But I guess its just easier to dismiss them as conservative or looking down from their high horse since it doesn't jive with your "hypothetical" irresponsibility.

1/4/2011 2:15:59 PM

I'm trying very hard to avoid that assumption. Its not about rich people so much as it is the mid class that are in a position to get insurance through jobs or parents or whatever, and then not being sympathetic to those that don't have access to insurance.

I have insurance through my job.

1/4/2011 2:26:07 PM

While I'm for a nationalized healthcare system,

Quote :

" As far as England goes, you'd easily pay several hundred dollars more in taxes each month in England for your "free" healthcare."

this is spot on. Free healthcare isn't free. You either pay out your ass for private coverage or you pay the government a monthly fee for it. Or we can do a mixed system like Australia. But that money does have to come from somewhere, and it ain't coming from the sky.

^ And your girlfriend can have access to insurance via you. Just get the piece of paper from Register of Deeds.

[Edited on January 4, 2011 at 2:34 PM. Reason : sd]

1/4/2011 2:31:12 PM

Quote :

"It's been several years since I paid out of pocket but it was only $110 / mo from bcbs. If you think it's such a racket then why did you continue to pay for it? It comes in pretty handy during infrequent major medical operations which one would not expect to have every two years."

It doesn't make sense that I get $1,000,000 coverage at 300/month, it would take me 3333 months to pay a bill of that size off. That's 278 years of paying. IF they are guaranteed to lose money if I use it, and people assure me that I'm going to use it ONE DAY......how do they make money?

If everyone who had insurance had to use it, then the system is guaranteed to not be there when you need it. The only way for it to be there is if most people overpay or don't use the insurance at all.

You have to realize, also, when you're paying insurance, you're paying for advertising and commission for the people that sell you insurance as well. You're paying for all the overhead paperwork, you're paying for that company's lawyers, utilities, business licenses, their whole existence. I can't begin to fathom how much it costs to maintain an insurance company, but it's not cheap. Did I mention the workers are paid really well???


If the insurance company can gamble and think they'll make money off me at $300/mo, i'll take my odds as a healthy responsible adult to pay MYSELF $300/month. Every year, I will make $3600, in ten years, I'll have $36000, in 20 years I'll have $72000.

Best of all:
- I get to keep the money if I don't use it.
- I don't have to "wonder" if insurance is going to cover something
- I have money to play with
- I can probably make a cash deal with the doctor as an "uninsured patient" and significantly decrease my bill


BAM!

1/4/2011 2:42:11 PM

There is temporary healthcare for 6 months that you can get for about $400 (all upfront)

My girlfriend just got a retail job and she is going to get insurance through it. She just left a restaurant job where she had insurance. Do some research.

Also, look up "living within your means" and gtfo with that "oh noes I can't afford all my bills" shit

1/4/2011 2:42:33 PM

Quote :

"I signed up to insurance for 2 years and spent $7,200."

So you were paying $300/month for health insurance?

if so you got ripped off....

1/4/2011 2:47:07 PM

Quote :

" the insurance company can gamble and think they'll make money off me at $300/mo, i'll take my odds as a healthy responsible adult to pay MYSELF $300/month. Every year, I will make $3600, in ten years, I'll have $36000, in 20 years I'll have $72000."

Hopefully you never get cancer. Between the chemo and surgery you'd easily burn through the $72,000, assuming you don't contract it before the 20-year mark.

1/4/2011 2:49:12 PM

Fine, you got me. My son was also on my policy :/

1/4/2011 2:50:28 PM

Quote :

"Hopefully you never get cancer. Between the chemo and surgery you'd easily burn through the $72,000, assuming you don't contract it before the 20-year mark."

Had I had insurance, shouldn't the insurance company also be saying "hopefully he never gets cancer", too?

I mean, that's a hell of a gamble.

See how it doesn't add up?

It's a ponzi scheme.

1/4/2011 2:53:44 PM

Quote :

"Also, look up "living within your means" and gtfo with that "oh noes I can't afford all my bills" shit"

Also, look up "living within your means" riding in on a high horse and gtfo with that "oh noes I can't afford all my bills" shit

1/4/2011 2:55:54 PM

Unless your only bills are literally rent, utilities, and transportation, I'm sure there are places you can cut corners.

1/4/2011 3:04:22 PM

Quote :

"Also, look up "living within your means""

Well.... thank god health insurance isn't mandatory yet.


unlike car insurance.


For businesses there is workman's comp insurance, act of terrorism insurance, an a 1000 options you can toggle for business insurance.


then at home, there is homeowner's insurance with optional fire insurance, flood insurance, act of god insurance,

Then there is life insurance and now they want to sell you insurance every time you check out at walmart on appliances or electronics.


How much does that shit add up?

1/4/2011 3:04:46 PM