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The Supreme Court and Obamacare,,, what will happen ?
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wheelrite Offline
#1 Posted: Sat, Mar 24 2012, 7:38 AM EST
Joined: 11-01-2006
Posts: 50,119
The Supreme Court will begin hearing arguments in a few days....

I think it will be close but it'll be a 5-4 decision and it will be found unconstitutional..


what say you ?


wheel,
DrMaddVibe Offline
#2 Posted: Sat, Mar 24 2012, 8:30 AM EST
Joined: 10-21-2000
Posts: 55,554
One can only hope.

If that does happen watch what happens on Wall Street!
itsawaldo Offline
#3 Posted: Sat, Mar 24 2012, 8:50 AM EST
Joined: 09-10-2006
Posts: 4,221
I hope you're right, we could use some good news.
ZRX1200 Offline
#4 Posted: Sat, Mar 24 2012, 10:18 AM EST
Joined: 07-08-2007
Posts: 60,661
They'll probably chicken out and find the mandate unconstitutional but be o.k. with the rest of the perversion of the Commerce Clause.

I only hope Scalia and Thomas write the majority decision and language used really pisses off the lefties.
teedubbya Offline
#5 Posted: Sat, Mar 24 2012, 12:38 PM EST
Joined: 08-14-2003
Posts: 95,637
The court will find some fringe provision of th law unconstitutional resulting in virtual cheers and high fives in here and on the extreme right. Meanwhile it is already so entrenched a d largely implemented that in reality the decision has little effect. Those celebrating will either be disengenous or disengaged from reality. In other words everyone will win!
wheelrite Offline
#6 Posted: Sat, Mar 24 2012, 12:44 PM EST
Joined: 11-01-2006
Posts: 50,119
teedubbya wrote:
The court will find some fringe provision of th law unconstitutional resulting in virtual cheers and high fives in here and on the extreme right. Meanwhile it is already so entrenched a d largely implemented that in reality the decision has little effect. Those celebrating will either be disengenous or disengaged from reality. In other words everyone will win!


It's not to late to end it completly...
bloody spaniard Offline
#7 Posted: Sat, Mar 24 2012, 1:08 PM EST
Joined: 03-14-2003
Posts: 43,802
It'll be close but I agree with your assessment, Bill.

Problem is, many of us "little guys" (small businesses) are either grossly under-insured with HUGE premiums and high deductibles or have no coverage at all. Some of us use our existing health insurance as a catastrophic policy of sorts- pay out of pocket until we hit the inordinately high deductibles. We are going broke.

Something has to be done to provide American citizens with a modicum of adequate coverage at nominal prices. If one undergoes a major health calamity, there's a good chance that the doctor makes "nothing' (unless he's a plastic surgeon), the patient goes broke or loses his home paying bills, and the insurer makes a boatload of cash which he greedily divvies up with their investors and executives. That has to change. If nothing else, they have to include more preventative coverage, dental, and vision instead of paying for some old fart's viagra or some Georgetown law student's contraception. Shame on you
teedubbya Offline
#8 Posted: Sat, Mar 24 2012, 11:04 PM EST
Joined: 08-14-2003
Posts: 95,637
Good luck with that wheel. It is too late. There Re some provisions already implemented that will never be removed. Folks don't realize what has already been done.
ZRX1200 Offline
#9 Posted: Sat, Mar 24 2012, 11:09 PM EST
Joined: 07-08-2007
Posts: 60,661
G Damn commies.
DrMaddVibe Offline
#10 Posted: Mon, Mar 26 2012, 5:58 AM EST
Joined: 10-21-2000
Posts: 55,554
3 Reasons

It represents the end of limited government.

It's price tag is already ballooning.

It's not going to make us healthier.

http://www.youtube.com/watch?feature=player_embedded&v=k0hqX_VLhv0


A government that can MANDATE you to purchase something can tell you what clothes to wear and how to comb your hair.

Get real. There's NOTHING in that bill of fraud that cannot be repealed.
rfenst Offline
#11 Posted: Mon, Mar 26 2012, 8:29 AM EST
Joined: 06-23-2007
Posts: 39,431
Just read a brief article that points out that the case may not even be "ripe" yet pursuant to the Anti-Injunction Act of 1867. If so, it will not be until April 2015 before the minimum health care coverage penalty/tax will be due and payable.

The SCOTUS has a long history of trying to stay out of politics (Political Question Doctrine) and taking its time to release Opinions. My best guess is that even if it is "ripe", the Opinion won't be released until after the upcoming Presidential Election- unless it is to explain why SCOTUS doesn't believe it even has jurisdiction (yet).
topper7788 Offline
#12 Posted: Mon, Mar 26 2012, 10:01 AM EST
Joined: 06-21-2006
Posts: 4,719
bloody spaniard wrote:
It'll be close but I agree with your assessment, Bill.

Problem is, many of us "little guys" (small businesses) are either grossly under-insured with HUGE premiums and high deductibles or have no coverage at all. Some of us use our existing health insurance as a catastrophic policy of sorts- pay out of pocket until we hit the inordinately high deductibles. We are going broke.

Something has to be done to provide American citizens with a modicum of adequate coverage at nominal prices. If one undergoes a major health calamity, there's a good chance that the doctor makes "nothing' (unless he's a plastic surgeon), the patient goes broke or loses his home paying bills, and the insurer makes a boatload of cash which he greedily divvies up with their investors and executives. That has to change. If nothing else, they have to include more preventative coverage, dental, and vision instead of paying for some old fart's viagra or some Georgetown law student's contraception. Shame on you


I happen to agree with you 200%.... Funny only those with health insurance seem to feel the current system works... It doesn't. I'm in the same boat as you and health insurance has been an ongoing issue since I stopped working for someone else... We are now lookng at a $10,000 out of pocket HSE policy as any reasonable coverage for our small company (wife and I) is close to $2,000 per month for us... We have been playing health insurance roulette for he last almost 3 years and have maintained coverage by getting friends to put us on their group policies (by listing us as working for them when in fact we don't) but unfortunatly my buddy just changed providers and the new carrier has only a local network in his home state so we are out... He's in Missouri, we live in Florida....so we have been uninsured since March 1st....just hoping no one ends up in the hospital before I find coverage....
FuzzNJ Offline
#13 Posted: Mon, Mar 26 2012, 10:21 AM EST
Joined: 06-28-2006
Posts: 13,000
topper7788 wrote:
I happen to agree with you 200%.... Funny only those with health insurance seem to feel the current system works... It doesn't. I'm in the same boat as you and health insurance has been an ongoing issue since I stopped working for someone else... We are now lookng at a $10,000 out of pocket HSE policy as any reasonable coverage for our small company (wife and I) is close to $2,000 per month for us... We have been playing health insurance roulette for he last almost 3 years and have maintained coverage by getting friends to put us on their group policies (by listing us as working for them when in fact we don't) but unfortunatly my buddy just changed providers and the new carrier has only a local network in his home state so we are out... He's in Missouri, we live in Florida....so we have been uninsured since March 1st....just hoping no one ends up in the hospital before I find coverage....




Bullsh*t. We have the best health care system in the world. You just need to work harder and stop being lazy. Don't ask me to pay for your boo boos, you communist.
bloody spaniard Offline
#14 Posted: Mon, Mar 26 2012, 10:32 AM EST
Joined: 03-14-2003
Posts: 43,802
topper7788 wrote:
I happen to agree with you 200%.... Funny only those with health insurance seem to feel the current system works... It doesn't. I'm in the same boat as you and health insurance has been an ongoing issue since I stopped working for someone else... We are now lookng at a $10,000 out of pocket HSE policy as any reasonable coverage for our small company (wife and I) is close to $2,000 per month for us... We have been playing health insurance roulette for he last almost 3 years and have maintained coverage by getting friends to put us on their group policies (by listing us as working for them when in fact we don't) but unfortunatly my buddy just changed providers and the new carrier has only a local network in his home state so we are out... He's in Missouri, we live in Florida....so we have been uninsured since March 1st....just hoping no one ends up in the hospital before I find coverage....




Applause Applause Applause
(I feel all alone sometimes)


Fuzz, are you doing your Bill Maher again?Angel
bloody spaniard Offline
#15 Posted: Mon, Mar 26 2012, 10:41 AM EST
Joined: 03-14-2003
Posts: 43,802
Btw, Dave, my friend, I would (attempt) to make a recommendation or two, but as you well know the rates/coverage/requirements vary from state to state for the SAME provider... It's a racket.

I'm sure you've googled quite a bit but here was a possibility that I found in my dust bin of a hard drive:
http://www.mostchoice.com/index.html

Wishing you the best... your companion in the struggle.
Beer
Gene363 Offline
#16 Posted: Mon, Mar 26 2012, 11:04 AM EST
Joined: 01-24-2003
Posts: 30,870
What ever happened to reducing medical costs? Besides the death panels, something which we actually need.

Either way insurance companies are making a killing, nothing like a product the government forces you to buy.
HockeyDad Offline
#17 Posted: Mon, Mar 26 2012, 11:36 AM EST
Joined: 09-20-2000
Posts: 46,192
Medical insurance companies are under the Obama Cone of Protection.

(You all got dupped!)
rfenst Offline
#18 Posted: Mon, Mar 26 2012, 11:42 AM EST
Joined: 06-23-2007
Posts: 39,431
bloody spaniard wrote:
If nothing else, they have to include more preventative coverage, dental, and vision instead of paying for some old fart's viagra or some Georgetown law student's contraception. Shame on you


The current private health insurance system only works for those who can afford it. Viagra and birth control pills are not the problem. The expense of medical care and insurance is. Quite frankly, I don't see any real solution that will satisfy all.
rfenst Offline
#19 Posted: Mon, Mar 26 2012, 11:56 AM EST
Joined: 06-23-2007
Posts: 39,431
topper7788 wrote:
... We have been playing health insurance roulette for he last almost 3 years and have maintained coverage by getting friends to put us on their group policies (by listing us as working for them when in fact we don't)....




No offense, but that is insurance fraud. Lying about it on a sworn application or during a sworn statement would be considered perjury. Since it was ongoing and involved crossing state lines, the feds would look to see if RICO applied and whether postal regulations were violated- at the least. And, that would be after the insurance company and state insurance commissioner got involved. Insurers and state insurance commissioners love this kind of stuff. Not worth it from my perspective.
bloody spaniard Offline
#20 Posted: Mon, Mar 26 2012, 12:09 PM EST
Joined: 03-14-2003
Posts: 43,802
LOL!!! Take the 5th, Topper, take the 5th!

Mere technicality- IMHO no different than folks who list their (nonworking) spouse as an employee of a corporation in order to qualify for SS/retirement benefits or people who violate laws that have been on the books for "centuries" regarding interracial marriage or "indecent" sex acts.
...and to "Top" it all, he's paying a premium for inadequate protection- more than most would do as opposed to going to the ER for a cold & ignoring the subsequent invoice...
Gene363 Offline
#21 Posted: Mon, Mar 26 2012, 12:25 PM EST
Joined: 01-24-2003
Posts: 30,870
HockeyDad wrote:
Medical insurance companies are under the Obama Cone of Protection.

(You all got dupped!)


Sort of, those dumb enough to believe Obama got duped and everyone got screwed. horse
rfenst Offline
#22 Posted: Mon, Mar 26 2012, 1:06 PM EST
Joined: 06-23-2007
Posts: 39,431
Gene363 wrote:

Sort of, those dumb enough to believe Obama got duped and everyone got screwed. horse




Surely, you don't believe that everyone will get screwed. Someone will have to benefit from this. Banks and insurance companies are always first in line. Then come those who get the political "slush". Everyone else comes last. Same old story...

Actually, I believe hospitals, doctors and other medical professionals and providers could make money from this as well. This is probably going to end up like the Medicare/Medicaid scare doctors had several decades ago. They all freaked out that their rates were going to be controlled and capped. Doom and gloom all the way. A year or so later, they weren't complaining at all. The had steady income, got paid for whoever they saw and could make more money from the new system.
Gene363 Offline
#23 Posted: Mon, Mar 26 2012, 1:23 PM EST
Joined: 01-24-2003
Posts: 30,870
rfenst wrote:
Surely, you don't believe that everyone will get screwed. Someone will have to benefit from this. Banks and insurance companies are always first in line. Then come those who get the political "slush". Everyone else comes last. Same old story...

Actually, I believe hospitals, doctors and other medical professionals and providers could make money from this as well. This is probably going to end up like the Medicare/Medicaid scare doctors had several decades ago. They all freaked out that their rates were going to be controlled and capped. Doom and gloom all the way. A year or so later, they weren't complaining at all. The had steady income, got paid for whoever they saw and could make more money from the new system.



Everyone = taxpayers and yes you are correct. Looking ahead, the insurance companies will have assured customers, albeit with less choice about their customers. Some Docs and Hospitals will game the system and make plenty. The other Docs and hospitals will be forced to follow suit as best they can or go broke. In the end, health care will cost even more than it does today.
topper7788 Offline
#24 Posted: Mon, Mar 26 2012, 1:44 PM EST
Joined: 06-21-2006
Posts: 4,719
rfenst wrote:
No offense, but that is insurance fraud. Lying about it on a sworn application or during a sworn statement would be considered perjury. Since it was ongoing and involved crossing state lines, the feds would look to see if RICO applied and whether postal regulations were violated- at the least. And, that would be after the insurance company and state insurance commissioner got involved. Insurers and state insurance commissioners love this kind of stuff. Not worth it from my perspective.



Robert, I'm well aware of that... The good thing is in 30 years I have never seen an insurance carrier actually do an audit on employees... (I was listed as an outside labor employee)

Heck if we had any other choice we wouldn't have... Currently and previously we have been told we CANNOT get individual insurance due to preexisting conditions... We have been quoted so far on HIPPA continuing coverage with terrible terrible coverage $10,000 deductible each coverage at $1700 per month, or ready for this: $1000 deductible, at $4548 per month... and that comes with a 30% coinsurance payment after the deductible is met!!!

These policies are only available to meet the HIPPA requirements and are not meant to be of any real help to people that loose there group coverage and cannot get an individual policy (like me), actually from what I'm learning they are meant to be the exact opposite by being priced so high that very few people that are actually eligible will actually obtain one... but the health care provider meets his legal requirement....

Got to love the current health care system, so our out of pocket before receiving any benefits will be over $20,000 each per year BEFORE we get dollar one of benefit..... Obviously with very limited income at this time its a HUGE problem... We are still trying to get someone to write a small business policy for my wife and I but the quotes are about the same close to $2000 monthly, with a 10 grand deductible, but office visits would be covered with a co-pay and we would have prescription coverage... so we may have to go that way , if they will right it.. Niether option is very appealing nor cost effective...

The real kicker is the preexisting is ridicules.. I have colitis which has been under control for 15 years with medication but nobody will touch me because of this...I have NEVER been sick from it since i was diagnoses and put on medication...


rfenst Offline
#25 Posted: Mon, Mar 26 2012, 3:42 PM EST
Joined: 06-23-2007
Posts: 39,431
Gene363 wrote:

Everyone = taxpayers and yes you are correct. Looking ahead, the insurance companies will have assured customers, albeit with less choice about their customers. Some Docs and Hospitals will game the system and make plenty. The other Docs and hospitals will be forced to follow suit as best they can or go broke. In the end, health care will cost even more than it does today.


I understood. I was just being a bit sardonic. Some docs and hospitals will always game the system and I believe much of that is out of our control, so I don't worry about it- unless I actually see it (and I do at work).

I wish I had a crystal ball to learn with certainty what Obama Care will do. In the meantime and please don't misunderstand me as being contrarian, we (everyone) who pays taxes and buys their own health insurance by themselves or through an employer, are already supporting the health care system big-time.

Medicare and Medicaid currently pay squat. There are so many uninsured people receiving hospital and clinic care that never gets paid for. In turn, those who pay taxes pay greater taxes so that hospitals don't go broke and can remain open to meet community needs. Those who have private health insurance pay more for their insurance as well because the hospitals need to charge the payers to cover the shortfall from those who can't pay- and those whose government benefits don't pay enough.

The situation sucks. Either way, you and I get financially screwed- higher taxes, higher medical expenses and higher health insurance premiums. I know that this will be misinterpreted, but here goes any way: With or without Obama Care- the system is broken likely beyond repair. No matter how we "attack" the problem, things will always be on a perpetual downward slope. Sure, we will see short (years) to intermediate (decades) of improvements from time to time, but in the long-run we have peaked and are on an inevitable decline.
Stinkdyr Offline
#26 Posted: Mon, Mar 26 2012, 4:05 PM EST
Joined: 06-16-2009
Posts: 9,948
The AMA is one big closed shop union.



Read it again. Know it. Cuz you are living it.
Until you understand that, NOTHING will change. Once you understand it, then we can proceed to bust the union.
This won't be easy, cuz, naturally, the AMA union is a MASSIVE lobby........massively entrenched and protected by your gubment--that you keep re-electing.


ENJOY!!!!!!

Beer
rfenst Offline
#27 Posted: Mon, Mar 26 2012, 5:04 PM EST
Joined: 06-23-2007
Posts: 39,431
Stinkdyr wrote:
The AMA is one big closed shop union.



Read it again. Know it. Cuz you are living it.
Until you understand that, NOTHING will change. Once you understand it, then we can proceed to bust the union.
This won't be easy, cuz, naturally, the AMA union is a MASSIVE lobby........massively entrenched and protected by your gubment--that you keep re-electing.


ENJOY!!!!!!

Beer



Seems like you blame AMA Members- doctors- for the problem. Sorry, I cannot agree with you on that. They are just one of multiple "players" in the system. To lay it all on them is wrong. On top of that, do you think "busting" the AMA apart is: Democratic? Will solve the problems? Will make health care better? Will make health care less expensive? Will benefit society as a whole? Will encourage people to become doctors?....

It is real easy to bully and blame one "player", but it won't solve the problem- if the AMA is even a part of the real problem.
wheelrite Offline
#28 Posted: Mon, Mar 26 2012, 5:12 PM EST
Joined: 11-01-2006
Posts: 50,119
topper7788 wrote:
I happen to agree with you 200%.... Funny only those with health insurance seem to feel the current system works... It doesn't. I'm in the same boat as you and health insurance has been an ongoing issue since I stopped working for someone else... We are now lookng at a $10,000 out of pocket HSE policy as any reasonable coverage for our small company (wife and I) is close to $2,000 per month for us... We have been playing health insurance roulette for he last almost 3 years and have maintained coverage by getting friends to put us on their group policies (by listing us as working for them when in fact we don't) but unfortunatly my buddy just changed providers and the new carrier has only a local network in his home state so we are out... He's in Missouri, we live in Florida....so we have been uninsured since March 1st....just hoping no one ends up in the hospital before I find coverage....



here Topper...

http://www.nase.org/BenefitsHome.aspx


btw,
doing what you're doing is like begging for an IRS investigation...


wheel,
topper7788 Offline
#29 Posted: Mon, Mar 26 2012, 6:17 PM EST
Joined: 06-21-2006
Posts: 4,719
wheelrite wrote:
here Topper...

http://www.nase.org/BenefitsHome.aspx


btw,
doing what you're doing is like begging for an IRS investigation...


wheel,



Wheel,

Thanks, I'll check out the site... Unfortunately once you off group coverage getting insurance at 50 plus with preexisting conditions is near impossible.

BTW, I know a bunch of people that only have health insurance because someone "helped" them by putting them on their company policy. We covered our behinds as best we could by have items for the company billed through me and I passed on the billings to my buddies company so he could show payments to me.. So it was not really proper, but it looked like we were getting paid.... I really doubt if the insurance company had actually looked at it there would have been any real problems. Not exactly kosher, but it probably would have passed audit.. Since I have a business we showed biilings, sales etc...

If you haven't had an issue, you have no idea how bad it is... We don't mind paying, and still can't get individual coverage... Down in Florida its EXTREMELY hard to get a provider to write a policy for an 2 person group especially if it happens to be a husband and wife company at anything near reasonable...they will write for a 4 person group, but we don't qualify.. I may have to go back to work for a dealership just to get health insurance, then quit and go on Cobra once we're on coverage... Not way it should be, but the way it is...
wheelrite Offline
#30 Posted: Mon, Mar 26 2012, 6:33 PM EST
Joined: 11-01-2006
Posts: 50,119
topper7788 wrote:
Wheel,

Thanks, I'll check out the site... Unfortunately once you off group coverage getting insurance at 50 plus with preexisting conditions is near impossible.

BTW, I know a bunch of people that only have health insurance because someone "helped" them by putting them on their company policy. We covered our behinds as best we could by have items for the company billed through me and I passed on the billings to my buddies company so he could show payments to me.. So it was not really proper, but it looked like we were getting paid.... I really doubt if the insurance company had actually looked at it there would have been any real problems. Not exactly kosher, but it probably would have passed audit.. Since I have a business we showed biilings, sales etc...

If you haven't had an issue, you have no idea how bad it is... We don't mind paying, and still can't get individual coverage... Down in Florida its EXTREMELY hard to get a provider to write a policy for an 2 person group especially if it happens to be a husband and wife company at anything near reasonable...they will write for a 4 person group, but we don't qualify.. I may have to go back to work for a dealership just to get health insurance, then quit and go on Cobra once we're on coverage... Not way it should be, but the way it is...


I've been self insured before..

I got coverage through NASE, (National Association of Self Employed). You CAN get group rates and it is with good Health Insurance Co,..

Btw,
You do know that starting in 2013 1099 enforcement is going hyper drive. I just had to file a W-9 with all the Credit Card Co that I accept from my customers.
You're friend will have to 1099 you,and submit a 1096 to the IRS. They aren't fooling around...

wheel,
topper7788 Offline
#31 Posted: Mon, Mar 26 2012, 6:44 PM EST
Joined: 06-21-2006
Posts: 4,719
wheelrite wrote:
I've been self insured before..

I got coverage through NASE, (National Association of Self Employed). You CAN get group rates and it is with good Health Insurance Co,..

Btw,
You do know that starting in 2013 1099 enforcement is going hyper drive. I just had to file a W-9 with all the Credit Card Co that I accept from my customers.
You're friend will have to 1099 you,and submit a 1096 to the IRS. They aren't fooling around...

wheel,


Wheel, as I am no longer on his plan it doesnt make a difference. He filed the proper papers we received a 1099 etc. and we showed the income and wrote off the expense. No issue with the paper trail...but that's academic at this point anyway... Like I said, not exactly kosher, but probably good enough to pass audit....

Again, thanks for the info, I'll be on the phone in the AM...
wheelrite Offline
#32 Posted: Mon, Mar 26 2012, 6:46 PM EST
Joined: 11-01-2006
Posts: 50,119
topper7788 wrote:
Wheel, as I am no longer on his plan it doesnt make a difference. He filed the proper papers we received a 1099 etc. and we showed the income and wrote off the expense. No issue with the paper trail...but that's academic at this point anyway... Like I said, not exactly kosher, but probably good enough to pass audit....

Again, thanks for the info, I'll be on the phone in the AM...


Neat !!
drywalldog Offline
#33 Posted: Mon, Mar 26 2012, 7:28 PM EST
Joined: 06-19-2007
Posts: 5,536
Dr.Maddvibe, what do you expect the stock market to do if Obamacare is repealed?
wheelrite Offline
#34 Posted: Mon, Mar 26 2012, 7:38 PM EST
Joined: 11-01-2006
Posts: 50,119
drywalldog wrote:
Dr.Maddvibe, what do you expect the stock market to do if Obamacare is repealed?


The Stock Market is meaningless now.
ZRX1200 Offline
#35 Posted: Mon, Mar 26 2012, 7:50 PM EST
Joined: 07-08-2007
Posts: 60,661
Who gives a **** about a falsely inflated market?
wheelrite Offline
#36 Posted: Mon, Mar 26 2012, 7:54 PM EST
Joined: 11-01-2006
Posts: 50,119
ZRX1200 wrote:
Who gives a **** about a falsely inflated market?


I pulled all that I had in stocks out..

not that it was a lot but ,,,

we have a nice mattress to store the money under...
rfenst Offline
#37 Posted: Mon, Mar 26 2012, 8:03 PM EST
Joined: 06-23-2007
Posts: 39,431
wheelrite wrote:

Btw,
You do know that starting in 2013 1099 enforcement is going hyper drive. I just had to file a W-9 with all the Credit Card Co that I accept from my customers.
You're friend will have to 1099 you,and submit a 1096 to the IRS. They aren't fooling around...

wheel,


None of that is new. i have been giving insurers W-9s for years and 1099ing everyone over $600. Form 1096 is a given.
wheelrite Offline
#38 Posted: Mon, Mar 26 2012, 8:06 PM EST
Joined: 11-01-2006
Posts: 50,119
rfenst wrote:
None of that is new. i have been giving insurers W-9s for years and 1099ing everyone over $600. Form 1096 is a given.


um no...

the $600 1099 was killed...

you miss my point.,..

Trying to scam the system will only work for a short time...
rfenst Offline
#39 Posted: Mon, Mar 26 2012, 8:12 PM EST
Joined: 06-23-2007
Posts: 39,431
topper7788 wrote:
Wheel,


If you haven't had an issue, you have no idea how bad it is... We don't mind paying, and still can't get individual coverage... Down in Florida its EXTREMELY hard to get a provider to write a policy for an 2 person group especially if it happens to be a husband and wife company at anything near reasonable...they will write for a 4 person group, but we don't qualify.. I may have to go back to work for a dealership just to get health insurance, then quit and go on Cobra once we're on coverage... Not way it should be, but the way it is...


I have had the same issue since I no longer employ my secretary- she's now an independent contractor. Anyhow, I am down to a one person group. Put the kids on my wife's employer's $5k deductible plan and bought the one person group BCBS for myself. $900-1,000 per month for myself alone, but worth every penny.

As to the wife and kids, i pay all of their out of pockets (mine to) directly from my corporation as part of a medical Reimbursement Plan. 100% deductible to the corp. Not taxable income to me. So, we at least get to pay 100% of pour health insurance and out of pockets with pre-tax dollars!
rfenst Offline
#40 Posted: Mon, Mar 26 2012, 8:14 PM EST
Joined: 06-23-2007
Posts: 39,431
wheelrite wrote:
I pulled all that I had in stocks out..

not that it was a lot but ,,,

we have a nice mattress to store the money under...




I just saw a CD rate of 1.1% being advertised!!!
rfenst Offline
#41 Posted: Mon, Mar 26 2012, 8:26 PM EST
Joined: 06-23-2007
Posts: 39,431
bloody spaniard wrote:
LOL!!! Take the 5th, Topper, take the 5th!

Mere technicality- IMHO no different than folks who list their (nonworking) spouse as an employee of a corporation in order to qualify for SS/retirement benefits or people who violate laws that have been on the books for "centuries" regarding interracial marriage or "indecent" sex acts.
...and to "Top" it all, he's paying a premium for inadequate protection- more than most would do as opposed to going to the ER for a cold & ignoring the subsequent invoice...



Yes. I understand where you are coming from. But, as his community lawyer, I am obliged to warn him. And, he has pretty much already blown the 5th and laid out the predicates for a major case via cyberspace. LOL!
rfenst Offline
#42 Posted: Mon, Mar 26 2012, 8:29 PM EST
Joined: 06-23-2007
Posts: 39,431
wheelrite wrote:
um no...

the $600 1099 was killed...

you miss my point.,..

Trying to scam the system will only work for a short time...


What do you mean by killed? And, what exactly was your point besides having to file enough information so that scammers can be caught?
wheelrite Offline
#43 Posted: Mon, Mar 26 2012, 8:50 PM EST
Joined: 11-01-2006
Posts: 50,119
rfenst wrote:
What do you mean by killed? And, what exactly was your point besides having to file enough information so that scammers can be caught?


Obama tried to enact legsilation the EVERY transaction over $600 would require a 1099 begining in 2013. The congress rescinded that provision,


My point,
watch your Ps&Qs ..

Do you accept credit cards as payment for your services,as i do ?
If so, you now have to file a W-9 with each Credit Card Co. If you don't the IRS will begin supplemental with holding for each transaction in 2013.


wheel,
ZRX1200 Offline
#44 Posted: Mon, Mar 26 2012, 8:54 PM EST
Joined: 07-08-2007
Posts: 60,661
Kenyan getting paid!
rfenst Offline
#45 Posted: Mon, Mar 26 2012, 9:26 PM EST
Joined: 06-23-2007
Posts: 39,431
wheelrite wrote:
Obama tried to enact legsilation the EVERY transaction over $600 would require a 1099 begining in 2013. The congress rescinded that provision,


My point,
watch your Ps&Qs ..

Do you accept credit cards as payment for your services,as i do ?
If so, you now have to file a W-9 with each Credit Card Co. If you don't the IRS will begin supplemental with holding for each transaction in 2013.


wheel,


I do not accept credit cards. My income is derived from insurance company payments by check. Each and every one has a W-9 from me. If not, they won't pay. They all 1099 me. I 1099 all independent contractors and everyone who receives $600 or more paid from my operating account for services rendered, including doctors for their medical reports and records copies. about time everyone pays their taxes on all their income. Going to be easier and easier to catch people who skim as we get further and further away from reliance on cash.
wheelrite Offline
#46 Posted: Mon, Mar 26 2012, 9:37 PM EST
Joined: 11-01-2006
Posts: 50,119
rfenst wrote:
I do not accept credit cards. My income is derived from insurance company payments by check. Each and every one has a W-9 from me. If not, they won't pay. They all 1099 me. I 1099 all independent contractors and everyone who receives $600 or more paid from my operating account for services rendered, including doctors for their medical reports and records copies. about time everyone pays their taxes on all their income. Going to be easier and easier to catch people who skim as we get further and further away from reliance on cash.



Just wait...
all our small business deductions are going away too...
DrMaddVibe Offline
#47 Posted: Tue, Mar 27 2012, 5:54 AM EST
Joined: 10-21-2000
Posts: 55,554
rfenst wrote:
Going to be easier and easier to catch people who skim as we get further and further away from reliance on cash.




Why is that?

I have a theory that plays out every damn night and day...throughout the world.

You can go witness it if you choose to.

Go to any casino and watch the zombies line up to throw their money down on the table. The ones that have cash don't play for long. The ones using the credit cards or plastic house money keep on rolling...winning or losing. When you don't have the sensation of paper or metal falling out of your hands it makes it less personal. The tactile effect hits the brain that you're spending money.

Now, magnify that by a trillion or 10 or 15.

Welcome to the Federal Reserve.
DrMaddVibe Offline
#48 Posted: Tue, Mar 27 2012, 7:33 AM EST
Joined: 10-21-2000
Posts: 55,554
http://tinyurl.com/d5y75du

I was hungry...I went inside...who knew?
wheelrite Offline
#49 Posted: Tue, Mar 27 2012, 2:20 PM EST
Joined: 11-01-2006
Posts: 50,119
Not looking good for Barry....
after 2 days od Oral Arguments
teedubbya Offline
#50 Posted: Tue, Mar 27 2012, 2:23 PM EST
Joined: 08-14-2003
Posts: 95,637
I'm tellin ya, ruling that the right can trumpet, and will strike down parts but in reality the trojan horse isn't just in the building it is already wrapped around the willy and about ready to enter all holes (can't spell orafices). there are already large chunks in place.

its a win-win. people will feel better thinking it had more effect than it did.
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