Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Health Insurance Discussion

Collapse
This is a sticky topic.
X
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • We can not wait, because the last time this came up under Clinton the healthcare industry and big insurance told us they would "watch" themselves. They have not. Healthcare is going up 10% next year, my wages went down 3% and with my increase I am not sure how far in the hole I will be. Projections are that wages are so bad we are already making 1997 incomes with 2009 prices. Those at the top are not working on this issue one little bit, they are scraping the cash off of it. Healthcare will become our next Wall Street/Banking mess... or perhaps they will continue to skim like Simmon's mattress has by bankrupting the system and selling it over and over again with new investors?

    Comment


    • It's just one crisis after another, really. I don't see light at the end of the tunnel anywhere in this economy. 'Fix it' just means adding more to the deficit over and over again. How long can we continue with astronomical deficits before countries cut off our lifeline?
      Filed Joint, No Asset, > $100,000 Unsecured Ch.7 6/7/13 ~~ 341 Meeting 7/15/13 ~~ Discharged 9/16/13 !!

      Comment


      • I don't think we can continue on this path. But getting big business to see that and our government is about impossible. We need real jobs with real wages. It lacks common sense to have someone working at wally world making low wages and the rest of us kicking in for their healthcare, DDS, and childcare. It provides to negatives. On one side those who are working see their incomes drop supporting this person, and two, this person feels worthless and reliant on the system. A better fit is to take away business charity deductions, and give them deductions only for building and hiring Americans and the cost of both of those things. If people make enough money working it spurs them on to buy homes, cars, pay for their own DDS, pay for some of the healthcare, and pay taxes. If we pay them so little so we can buy for so cheap all you really do is set up an economy where big business takes all the money instead of paying decent wages. It makes people not feel good about themselves and not care if they work or not. And when times are tough they have saved nothing because they can't so they have to ask for more handouts. And then business lays off more people. We need to stop the flow of all the money to them ... they owe our nation nothing as far as they are concerned.

        Comment


        • Finally there's a good chance the public option will make it through.
          Filed: 6-7-2010 341: 7-15-2010 DISCHARGED: 9/17/2010

          Comment


          • Good, it is our only chance at competetion. If the world wants research, the whole world needs to help pay for it, not just our citizens. We can not afford it, and then be the army for the world, the charity for the world, and the job market for the world.

            Comment


            • The health insurance in my country is patterned after the United States', and it is really awful. First of all, our citizens are not as rich as American citizens and second, our health care providers are not as trustworthy and/or educated as those in the US. There's no way for us to go but DOWN if we keep up with this system.
              (active advertising links removed by Moderator)

              Comment


              • For those that think the Govt health take over name one (1) thing the Govt ever did that came in at or even near the projected cost.

                If this passes it will bring the Govt to this forum looking for ideas about BK.
                ==================================
                Filed: 4-30-2010
                341 Complete: 6-16-2010
                Discharged and Closed 8/17/2010

                Comment


                • Originally posted by Blueboy View Post
                  For those that think the Govt health take over name one (1) thing the Govt ever did that came in at or even near the projected cost.
                  • The Shuttle Program. Oops... that was $170B to date.
                  • The SeaWolf Submarine. Oops... that was over budget and they still kept building them (at $1B a pop), just to stay "current".
                  • Medicare is working.... wait, it's $34.1trillion (yes, trillion with a "T") dollars underfunded.
                  • The Interstate Highway System. Oops... was budgeted at $25 billion for 12 years, but ended up costing $114 billion and 35 years to finish. That's about $480 billion in today's dollars.
                  • The Earned Income Credit (EIC). Ooops... looks like about $8-$10 billion a year is actually "overpaid" due to fraud... but no one seems to care because the IRS is understaffed!


                  We haven't even passed healthcare yet, and the CBO reports that the budget shortfall in 2008 was $1,000 billion (one trillion). It will be $1,900 billion (one trillion nine-hundred billion) for 2009. I wonder why.
                  Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                  Status: (Auto) Discharged and Closed! 5/10
                  Visit My BKForum Blog: justbroke's Blog


                  I am not an attorney. Any advice provided is not legal advice.

                  Comment


                  • Its that way with everything the govt touches.

                    It absolutely amazes me with that type of record why anyone would trust those idiots in DC.
                    ==================================
                    Filed: 4-30-2010
                    341 Complete: 6-16-2010
                    Discharged and Closed 8/17/2010

                    Comment


                    • The military.. ahhh underfunded. You see the problem is we have no one to trust. Big business we can not trust either. Blackwater comes to mind, maybe not underfunded not sure, but wow what a mess. Every thing big business touches is ruined too. Healthcare is where it is in cost because it went from non profit to profit and insurance companies like Healthnet pay their ceo's more in one day than most doctors make caring for people. We have no one to trust, so who am I going to trust.. myself

                      Comment


                      • So right now we don't have govt-funded healthcare, right?

                        Meet Joe, a friend of mine, a Christian, healthy, degreed laid-off IT manager. Just after the layoff, he got cancer. He's 5 months into chemo etc, barely clinging to life. You do NOT want to know what his un-covered expenses are. Don't pity him, he's tough and his faith is strong. Pity your wallet, because our inspired system is going to cost you a lot for his care.

                        He's beating it, and he'll get better, then he'll file CH7.

                        The CH7 will occur in a Federal BK court whose cases are 80% medical caused. (aka govt-supported medical bankruptcy system, can you say 'overhead'?)

                        The hospital will charge off the debt and get back a percentage of the loss in tax credits (aka govt-supported medical bills)

                        In the future, Joe's family won't go to the doctor, (for $80 + medication) and instead will wait for it to be bad enough for the ER (aka gov-supported unnecesary ER visits - 1,000+)

                        Good thing our government doesn't pay for anything. We're certainly better off.

                        Comment


                        • Originally posted by Tom_Mi View Post
                          The CH7 will occur in a Federal BK court whose cases are 80% medical caused.
                          Please provide a source for this. We have been unable to find any reliable source indicating that medical "causes" bankruptcy. However, there is data that people do discharge medical debt.

                          Other than that, I believe the root cause is in the pricing structure and not in our actual ability to deliver healthcare. The problem is in the overhead associated with medical billing and competition for boutiques.
                          Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                          Status: (Auto) Discharged and Closed! 5/10
                          Visit My BKForum Blog: justbroke's Blog


                          I am not an attorney. Any advice provided is not legal advice.

                          Comment


                          • I believe the figure was 60%

                            http://content.healthaffairs.org/cgi...haff.w5.63/DC1
                            Attorney Retained/Paid: 1-4-10
                            Online CCC-Completed & Cert Received: 1-8-10
                            Filed Chapter 7 1-18-10.
                            341 3-10-10 ~~~ Last Day to Object: 5-10-10

                            Comment


                            • Originally posted by justbroke View Post
                              Please provide a source for this. We have been unable to find any reliable source indicating that medical "causes" bankruptcy. However, there is data that people do discharge medical debt.

                              Other than that, I believe the root cause is in the pricing structure and not in our actual ability to deliver healthcare. The problem is in the overhead associated with medical billing and competition for boutiques.
                              This and malpractice lawsuits.
                              ==================================
                              Filed: 4-30-2010
                              341 Complete: 6-16-2010
                              Discharged and Closed 8/17/2010

                              Comment


                              • Originally posted by Faust View Post
                                I believe the figure was 60%
                                You guys keep making my point... it's a "contributor" but not the catalyst in most bankruptcies!

                                Personally, I'm for single-payer, but only if it's done correctly and not done "on the cheap". I mean employer contributions to central funding, with government funding for uninsured... as the sole payer to provider. Keep same provider system, but make it so that we don't end up with some of the single-payer systems in Europe that are about to fail (or have failed).

                                I'd also like to get rid of the $5MM lawsuit for people who spill "hot" coffee on themselves, because they didn't know it was "that" hot.

                                We will continue to have issues I know, but I want a real solution, not a patch. I think this will just be a new opportunity for more fraud and that the system will go the way of Medicare.
                                Last edited by justbroke; 11-24-2009, 05:54 PM.
                                Chapter 7 (No Asset/Non-Consumer) Filed (Pro Se) 7/08 (converted from Chapter 13 - 2/10)
                                Status: (Auto) Discharged and Closed! 5/10
                                Visit My BKForum Blog: justbroke's Blog


                                I am not an attorney. Any advice provided is not legal advice.

                                Comment

                                Unconfigured Ad Widget

                                Collapse
                                Working...
                                X