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February 14, 2012 1:11 pm at 1:11 pm in reply to: Bar Mitzvah idea – save money and way better #851321tina18Participant
‘shkoyach, so it worked for you. why does it have to work for everyone? ‘
never said its for everyone – just an idea – I specifically said Im not one for takanas
February 14, 2012 1:10 pm at 1:10 pm in reply to: Bar Mitzvah idea – save money and way better #851320tina18Participant‘although I am not against the idea I don’t think the bar mitzvah boy would agree with you that it is better for him (having heard from bar mitzvah boys themselves.) ‘
He needs the parents 100 friends?
February 14, 2012 3:51 am at 3:51 am in reply to: Bar Mitzvah idea – save money and way better #851316tina18Participant‘Hu what did u say the bar mitzvah is for the boy well not according to most yeshivas around here who don’t allow boys at the bar mitzvah at all the rebbe doesn’t even show and menahel shows to say mazel tov and to check that non of the boys r actually there ‘
every BM I go to I see the kids there, not sure what your referring to.
Im sure the rebbe would not mind if its only the KIDS there and immediate family
February 13, 2012 8:26 pm at 8:26 pm in reply to: wouldnt it be great if israel attackes Iran on Purim #851336tina18Participant‘where is Shushan? was it in Iran? If so, that would be soooo good!’
correct – thats why I made the statement
February 9, 2012 8:16 pm at 8:16 pm in reply to: Health insurance for large families with decent income #850593tina18Participant‘tina18 – check the insurance plans available from Freelancers Union.’
I will – great – thanks
February 9, 2012 7:58 pm at 7:58 pm in reply to: Health insurance for large families with decent income #850592tina18Participant‘Tina18: you have two options when applying for medicaid/chp… you can give them last year’s tax return or you can use what is called a “three month form” where you fill in any income and expenses you had in the last three months, and deduct expenses from income. This might help you be eligible, especially if your business is one which has ups and downs. For CHP, you are not required to notify them if your income goes up until the next time you need to recertify (a year later). With medicaid you are. It might be worth it for you to wait till a low period, and apply for chp then. ‘
this is good advice. thanks
February 9, 2012 7:56 pm at 7:56 pm in reply to: Health insurance for large families with decent income #850590tina18Participantyasher koach everyone for answering. This is a great thread. I think the politicians I spoke too (so far) agreed that for CHP if you pay full premium it needs to be capped at 3 children the way it is for any other level at CHP. If anyone has anyone influential at the state level please send them this link. CHP is at the state level so a congressman or senator wont be any help –
February 9, 2012 7:37 pm at 7:37 pm in reply to: Health insurance for large families with decent income #850588tina18Participant‘If the parents qualify for FHP (aka medicaid) the children do NOT qualify for CHP, they also qualify for FHP. If the parents and children all qualify for FHP, might I ask if you pay them little more than minmum wage?’
some of it is deductible – when did I say its not? my point is I still do not have as good insurance as the people who pay zero. If we pay them more they will leave, they want to get payed what they are being get paid cause “the poor get richer”
February 9, 2012 7:13 pm at 7:13 pm in reply to: Health insurance for large families with decent income #850585tina18Participant‘Based on what I understand from what you are saying, you are self employed. Do you have any three months of the year where your income is low enough to grant you chp eligibility? ‘
it goes by 3 months or last year?
February 9, 2012 7:02 pm at 7:02 pm in reply to: Health insurance for large families with decent income #850583tina18Participant‘Only children between the ages of 6-18 are eligible for CHP if the parents are eligible for FHP. Check out income eligiblity for both and you’ll see (or just ask your employees) For the children, there are no premiums or copays ‘
that is why I want to be on it – but I cant unless I pay 150$ per kid (and no cap meaning you pay 150 X as many children as you have)
February 9, 2012 5:39 pm at 5:39 pm in reply to: Health insurance for large families with decent income #850581tina18ParticipantIm not sure. They dont pay anything for them and all there kids are on CHP.
February 9, 2012 5:22 pm at 5:22 pm in reply to: Health insurance for large families with decent income #850579tina18Participant‘If employees are getting free insurance, it is probably medicaid. ‘
its family health plus
February 9, 2012 4:42 pm at 4:42 pm in reply to: Health insurance for large families with decent income #850577tina18Participant‘Are you saying that you provide insurance for your employees? If so, why is your family not part of the group plan purchased for your employees?’
I do not – they are on family health plus and its free. I offered it but they smartly refused. WHy would they take my bad insurance if they can have good insurance from the state?
‘If you are not, what are you paying so much, for? ‘
Im paying the discounted rate – 1100 per family. The copays, dental, braces, out of network….add up to 30k total as I explained.
The law needs to be that if you pay full premium of 150 per child, it should be capped at 3 and then Im somewhat happy.
all the plans of CHP, your capped at 3 children, except if you pay the full premium your not capped. so if you have 8 children, its 150 *8 just for kids. I already spoke to 3 politicians who are looking into this. It will only affect families who make good incomes with large amount of children. Will keep this room posted if anything changes (im not holding my breath)
February 9, 2012 3:40 pm at 3:40 pm in reply to: Health insurance for large families with decent income #850574tina18Participant‘The max income for family health plus is MUCH lower than the $60 premium of chp income limit so if op is not eligible for chp, she/he is not eligible for fhp either.’
I cannot get on to CHP unless I pay the full premium as I stated which is 900$ just for the children without braces.
I am on a plan similiar to HealthyNY. There plans are horrific. Its GHI with a fortune of co pays , no dental and certainly low braces.
We did get a hold of a broker by the way who is helping us on the dental side (of course not braces like medicaid pays for).
February 9, 2012 3:46 am at 3:46 am in reply to: Health insurance for large families with decent income #850571tina18Participant‘I actually posted the max income without paying full premium for families with at least 6 kids for chp.’
no I am not. Full premium is 150 per kid with no max. so 150*6 is 900$ just for the kids. Then another 900 for us is 1800 plus braces and co pays for us, some out of network , and we are back to square one. My main point is that paying zero gets you more then paying 30k – this is silly.
Why should the employee get better (for free) then the employer who pays so much?
February 8, 2012 5:01 pm at 5:01 pm in reply to: Health insurance for large families with decent income #850566tina18ParticipantI appreciate everyone’s input.
‘In the OP it says that the best insurance would cost $18,000 a year.’
18k a year but dental + braces for a large family is 7-12k (plus some copays im sure) . also the 12,500 is before taxes, not after. so if I am making 13k, its really 10k at most per month. so 7 out of 10k goes for health and tuition. what about food, mortgage, car?
February 8, 2012 2:54 pm at 2:54 pm in reply to: Health insurance for large families with decent income #850562tina18Participant‘If you do, why can’t you afford insurance for 1,000 each month? ‘
I can do the 1000k a month – but think its crazy to pay 2500 a month (and still have worse coverage then people who do not pay a penny). I also pay 40k a year tuition, so the 2 combined is not a pleasant number.
yungerman1 – the best policy is 18k without dental. with dental for a large family its back to where Im paying now.
February 8, 2012 3:03 am at 3:03 am in reply to: Health insurance for large families with decent income #850559tina18Participant“Your medical expenses, including premiums are tax deductable provided they exceed 7.5% of your income. Based on the 30k figure you give, unless you have annual income greater than 375k or so (I am guesstimating) this should not be an issue”
even braces? family dentristry?, out of network doctors?, co pays? all that is tax deductable? I will speak to my accountant but I have never heard that. also – for child health plus – its around 150$ each child and no cap if you do not qualify which is alot if you have 6,7, 8 children.
September 1, 2011 5:38 am at 5:38 am in reply to: Something I noticed a lot of people do because they probably dont know this #1033259tina18Participantso nuch amoool – I should have it clasped when I daven or I should not. This thread is very complicated
June 23, 2011 7:17 pm at 7:17 pm in reply to: Flatbush- why are the streets so empty after dark? #780411tina18Participantmost people do not hold of it – bp everyone does
June 23, 2011 6:39 pm at 6:39 pm in reply to: Flatbush- why are the streets so empty after dark? #780409tina18Participantthis may seem a little krum but maybe its because F doesnt have a eiruv – so people do not know there neighbors as well…because shabbos is when you go outside and shmooz with your block – so no eiruv…less friends…less mingling
tina18Participant‘How can an adult non-swimmer learn how to swim? ‘
same way a child non swimmers learns how – whats the question?
November 10, 2009 7:14 pm at 7:14 pm in reply to: Anyone Else Worried About Today’s Frum Music? #793078tina18ParticipantIm not bothered by it at all – as a matter of fact I like it and think it does alot more good then bad.
June 15, 2008 5:14 am at 5:14 am in reply to: Out Of The Mailbag: (Flatbush Kiddush: Tznius & Drinking Out Of Control) #1142378tina18Participantyossi I am sorry but you are writing as if you are drunk yourself.I really have no idea what your trying to say
June 15, 2008 4:39 am at 4:39 am in reply to: Out Of The Mailbag: (Flatbush Kiddush: Tznius & Drinking Out Of Control) #1142368tina18Participant“There will not be a Klal Yisroel in 20 years.” ? I think thats a bit of an extreme statement. whats the connection? These kidashim existed 20 years ago and we are still here. I think by far the (silent) majority of people even at these kidushim do not drink excessively – This is a problem of a few people that needs to be addressed – but this (in my opinion) is not an epidemic –
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