Everyone is aware of the ObamaCare law which mandates that all Americans have affordable healthcare. But the law does not state what is to be considered affordable.
Case in point, in New York they came up with the affordable heathcare reform on the heels of ObamaCare. Looking at the New York Affordable Heathcare site paying from $3,000 to $4,000 a month is considered affordable. I would like to know what Governor Cuomo has been smoking. I don't think many indviduals can afford that unless you are very well off. Cuomo has always been in favor of the rich and could care less about the working class or the low income.
Of course there is Healthy New York. This plan for a family of two will cost just over $1,000 a month. Better than the Affordable Healthcare but still not affordable. Healthy New York does not cover anything much. No durable equipment, only a hand full of medications, and if you need surgery you are better off grabbing the kitchen knife and doing it yourself. So for the most part Heathy New York is a waste of time and money.
Next is Family Health Plus. This is a free program and it covers a lot. Unlike Healthy New York it will pay for durable equipment, most medications, most surgical procedures, doctor visits and more. It is a great plan but it is very difficukt to get into. Your household income must fall between a certain amount. Even with New York Unemployment which already is way below the national poverty level is far too high of an income to qualify for Family Health Plus.
Next is Medicaid. In Nassau County you have to sign over everything you own to the Department of Social Services who administers Medicad here. You cannot have any savings for at least three years prior, have to sign over your life insurance to them, cannot have any retirement, if you own a home that must be signed over to DSS, if you own a car that must be signed over to DSS unless you can find someone who will pay for the car insurance, gas, maintenance, and if there is a note on it they have to take that over. Also with Nassau DSS ypu are not allowed to be in debit to any credit card agencies for they consider that a luxury. And the big kicker, you cannot have anyform of income at all for three years. Gotta love Nassau County.
Once you get onto Medicaid the care you get is pathetic at best. Beyond substandard.
To add insult to injury with Medicaid in Nassau County, let's say you are on it for a year and then finally get a job, something that does not exist in New York, Nassau DSS will garnish 50% of your salary to get paid back. If you had a surgery during that year, you will be paying them back for the rest of your life. So once you get onto Medicaid in Nassau, you will never get off it.
How do I know this, we were being forced to go that route and when we learned how much we would lose we backed out. Plus a neighbor of ours had to go onto it. She was forced to sign over everything to Nassau DSS. DSS allowed her to live in her home with her mentally disabled son. When she died and before she could be put into the ground Nassau DSS evicted her son onto the street then turned around and sold the house.
Now in December the minimum wage is to go up to a whooping $9/hr. Do you think with that people can get health insurance? Let's do the math, shall we?
NYS Minimum wage ($) 9.00
Times a typical work week(hr) 40
Gross weekly salary 360.00
(Less 25%) taxes (90.00)
Net weekly salary 270.00
Times weeks in a month 4.5
Net monthly salary 1,215.00
Right off the bat you can see that the new minimum wage of $9 that takes affect in December cannot possibly cover what New York claims to be affordable healthcare. Mind you the figures still do not cover rent which is an average of $1,600 a month in Nassau, food for a family of 4 can run $200 a week, gas for a car and more. Without the health coverage you are running into a deficit.
Governor Cuomo obviously does not care. So as far as affordable health care in New York, there is none.
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