Something about teacher's pay...

mace1229 · May 2018

PJ_Soul said:

mace, $10,000/year for health insurance???? What?! Are you serious?!

Wish I wasn’t.
$763/month for health. That’s 9156, but dental and vision are extra, somewhere around $70/month I think. Puts the total for benefits right around 10k. One district in the city takes out 1200/month for health, that’s over 14k a year.

PJ_Soul · May 2018

mace1229 said:

PJ_Soul said:

mace, $10,000/year for health insurance???? What?! Are you serious?!

Wish I wasn’t.
$763/month for health. That’s 9156, but dental and vision are extra, somewhere around $70/month I think. Puts the total for benefits right around 10k. One district in the city takes out 1200/month for health, that’s over 14k a year.

This is insane... I actually am not quite sure how there isn't constant rioting in the streets across the country about this.

mace1229 · May 2018

PJ_Soul said:

mace1229 said:

PJ_Soul said:

mace, $10,000/year for health insurance???? What?! Are you serious?!

Wish I wasn’t.
$763/month for health. That’s 9156, but dental and vision are extra, somewhere around $70/month I think. Puts the total for benefits right around 10k. One district in the city takes out 1200/month for health, that’s over 14k a year.

This is insane... I actually am not quite sure how there isn't constant rioting in the streets across the country about this.

There probably will be next year

mace1229 · May 2018

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

PJ_Soul · May 2018

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. So you pay all that and still have to pay out of pocket to see a doctor? Huh? Why? Is that insurance only for when you're so sick and injured you have to go to the hospital? This entire concept, at those rates, actually shocks the fuck out of me. Well, having a private health insurance system at all shocks the fuck out of me - profit comes from not providing the best care or even no care, which is a human rights violation IMO - but this is just worse. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

mace1229 · May 2018

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. This entire concept actually shocks the fuck out of me. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

We have no choice, it is law to have it.
many single people chose to not have it and pay the fines, but that doesn’t make sense for a family.

im actually not completely against social medicine, but Obamacare just made it mandatory and the insurance companies have completely inflated the cost now that it’s required by law. All Obamacare did was require people to use an already flawed system. And and already underfunded education system means teachers pay for it by taking a quarter of their paycheck to fund healthcare.

jeffbr · May 2018

mace1229 said:

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. This entire concept actually shocks the fuck out of me. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

We have no choice, it is law to have it.
many single people chose to not have it and pay the fines, but that doesn’t make sense for a family.

im actually not completely against social medicine, but Obamacare just made it mandatory and the insurance companies have completely inflated the cost now that it’s required by law. All Obamacare did was require people to use an already flawed system.

Our system makes zero sense. Way too expensive, and the only real winners are the insurance companies. I also pay about $10k for insurance and can't afford to use it because of co-pays and deductibles. If we put what we're paying in insurance premiums into a national health care system, and cut out the goddamned insurance companies, I'm guessing we'd have world class healthcare. Instead, we have some of the highest healthcare costs, but rank nowhere near the top in quality and mortality. Healthcare in this country is tragic.

mace1229 · May 2018

jeffbr said:

mace1229 said:

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. This entire concept actually shocks the fuck out of me. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

We have no choice, it is law to have it.
many single people chose to not have it and pay the fines, but that doesn’t make sense for a family.

im actually not completely against social medicine, but Obamacare just made it mandatory and the insurance companies have completely inflated the cost now that it’s required by law. All Obamacare did was require people to use an already flawed system.

Our system makes zero sense. Way too expensive, and the only real winners are the insurance companies. I also pay about $10k for insurance and can't afford to use it because of co-pays and deductibles. If we put what we're paying in insurance premiums into a national health care system, and cut out the goddamned insurance companies, I'm guessing we'd have world class healthcare. Instead, we have some of the highest healthcare costs, but rank nowhere near the top in quality and mortality. Healthcare in this country is tragic.

Exactly. People don’t want social medicine because of the taxes, but look what we’re paying now, and health insurance is a billion dollar industry. Would rather the government make a little of that and fund stuff with it

mcgruff10 · May 2018

Mace what the hell are your co pays? We pay $10 pretty much for everything.

PJ_Soul · May 2018

mace1229 said:

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. This entire concept actually shocks the fuck out of me. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

We have no choice, it is law to have it.
many single people chose to not have it and pay the fines, but that doesn’t make sense for a family.

im actually not completely against social medicine, but Obamacare just made it mandatory and the insurance companies have completely inflated the cost now that it’s required by law. All Obamacare did was require people to use an already flawed system. And and already underfunded education system means teachers pay for it by taking a quarter of their paycheck to fund healthcare.

I never thought well of Obamacare, except for the obvious, usual reasons anyone thought it was better than doing nothing (I do still think that). I think any kind of private basic health insurance system based on profit is completely fucked, no matter whose name is on it.

Thoughts_Arrive · May 2018

Teachers are underpaid, overworked, overburdened with additional responsibilities, and not given enough respect here in Australia as well.

brianlux · May 2018

mcgruff10 said:

brianlux said:

Bentleyspop said:

Here' what we know about public school teachers.
They are...
Overpaid
Underworked
they are all unionized liberal elites
And are government tools brainwashing our children

And lazy, don't forget lazy.
And they all take three month vacations to go to Club Med locations every year. Every summer, the Caribbean is completely swamped with lazy, overpaid, underworked, liberal elitist (except for McGruff ), child brainwashing government tools. It's disgusting!

Lol! Besides actually teaching Monday through Friday I worked four other paying jobs this week: Monday i power washed, tues/wed I officiated track meets, wed night I ripped up a hot tub, and tomorrow I get to work as a pirate lol. Good times.

Who needs to sleep, right McG?! Man! A workin' machine!

mace1229 · May 2018

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. So you pay all that and still have to pay out of pocket to see a doctor? Huh? Why? Is that insurance only for when you're so sick and injured you have to go to the hospital? This entire concept, at those rates, actually shocks the fuck out of me. Well, having a private health insurance system at all shocks the fuck out of me - profit comes from not providing the best care or even no care, which is a human rights violation IMO - but this is just worse. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

A routine dr visit isn’t bad, I think the copay is $30 a visit for a family dr. It’s more for a specialist, $60 a visit I think if it’s someone other than just your family dr. Urgent care, which is where we have to go most of the time because it’s really difficult to get a last minute appointment for a family dr, is $100 a visit. ER is $200 just to walk in the door, and then a copay on top of that can easily bring a short visit for something like blood clots into the thousands.
Medication is hit or miss, sometimes it’s $10, sometimes $60 or more to fill a prescription. My wife was actually just denied a prescription through insurance, the reason was it’s only available in 90-day prescriptions at the pharmacy but the insurance would only approve a 30-day supply. So we had to go all out of pocket on that.

the real kick in the nuts is ive learned to always ask for cash prices, sometimes the uninsured cash price is cheaper than the negotiated copay through insurance. My copay on a prescription may be $60, but the regular price is only $40. So even after all that, sometimes I’m still better off claiming no insurance and just going out of pocket completely. I complained to my insurer about that one time and the response I got was “it’s always a good idea to price check.”
i mean the whole concept behind insurance and why my combined premiums (what my employer pays + what I pay) is $2000 a month is so that the insurer absorbs the majority of the medical cost and I pay a fraction of it. But that’s not the case much of the time. So what’s the point?

oftenreading · May 2018

mace1229 said:

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. So you pay all that and still have to pay out of pocket to see a doctor? Huh? Why? Is that insurance only for when you're so sick and injured you have to go to the hospital? This entire concept, at those rates, actually shocks the fuck out of me. Well, having a private health insurance system at all shocks the fuck out of me - profit comes from not providing the best care or even no care, which is a human rights violation IMO - but this is just worse. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

A routine dr visit isn’t bad, I think the copay is $30 a visit for a family dr. It’s more for a specialist, $60 a visit I think if it’s someone other than just your family dr. Urgent care, which is where we have to go most of the time because it’s really difficult to get a last minute appointment for a family dr, is $100 a visit. ER is $200 just to walk in the door, and then a copay on top of that can easily bring a short visit for something like blood clots into the thousands.
Medication is hit or miss, sometimes it’s $10, sometimes $60 or more to fill a prescription. My wife was actually just denied a prescription through insurance, the reason was it’s only available in 90-day prescriptions at the pharmacy but the insurance would only approve a 30-day supply. So we had to go all out of pocket on that.

the real kick in the nuts is ive learned to always ask for cash prices, sometimes the uninsured cash price is cheaper than the negotiated copay through insurance. My copay on a prescription may be $60, but the regular price is only $40. So even after all that, sometimes I’m still better off claiming no insurance and just going out of pocket completely. I complained to my insurer about that one time and the response I got was “it’s always a good idea to price check.”
i mean the whole concept behind insurance and why my combined premiums (what my employer pays + what I pay) is $2000 a month is so that the insurer absorbs the majority of the medical cost and I pay a fraction of it. But that’s not the case much of the time. So what’s the point?

Profit. That’s the point. The USA has a for-profit health care “system”. The capitalistic system that much of the American population says they prefer.

PJ_Soul · May 2018

mace1229 said:

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. So you pay all that and still have to pay out of pocket to see a doctor? Huh? Why? Is that insurance only for when you're so sick and injured you have to go to the hospital? This entire concept, at those rates, actually shocks the fuck out of me. Well, having a private health insurance system at all shocks the fuck out of me - profit comes from not providing the best care or even no care, which is a human rights violation IMO - but this is just worse. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

A routine dr visit isn’t bad, I think the copay is $30 a visit for a family dr. It’s more for a specialist, $60 a visit I think if it’s someone other than just your family dr. Urgent care, which is where we have to go most of the time because it’s really difficult to get a last minute appointment for a family dr, is $100 a visit. ER is $200 just to walk in the door, and then a copay on top of that can easily bring a short visit for something like blood clots into the thousands.
Medication is hit or miss, sometimes it’s $10, sometimes $60 or more to fill a prescription. My wife was actually just denied a prescription through insurance, the reason was it’s only available in 90-day prescriptions at the pharmacy but the insurance would only approve a 30-day supply. So we had to go all out of pocket on that.

the real kick in the nuts is ive learned to always ask for cash prices, sometimes the uninsured cash price is cheaper than the negotiated copay through insurance. My copay on a prescription may be $60, but the regular price is only $40. So even after all that, sometimes I’m still better off claiming no insurance and just going out of pocket completely. I complained to my insurer about that one time and the response I got was “it’s always a good idea to price check.”
i mean the whole concept behind insurance and why my combined premiums (what my employer pays + what I pay) is $2000 a month is so that the insurer absorbs the majority of the medical cost and I pay a fraction of it. But that’s not the case much of the time. So what’s the point?

So when poor/cash poor people get sick and need to see a doctor or go the ER... they just can't, simple as that? Or is that when they have to go to one of those nightmarish county places, and then can walk in without a penny in their pocket? And to those kind of crazy free charity-supported walk-in clinics? I'm just getting those ideas from shows like ER and Grey's Anatomy, lol, so I have no idea if that's really how it is.

tempo_n_groove · May 2018

mcgruff10 said:

mace1229 said:

If you're curious how much teachers make in my area this is a good example. The local paper reported this district as the highest paying in the county.
If you're not familiar with this scale, the #1-26 on the left represent years of experience, and the top represents education. So yes a teacher can make close to 80k here, if they have a Masters AND a something close to a PHD equivalent (72 graduate level units) and 26 years of teaching experience. How many people with a PHD do you know that work in the same place for 26 years and only make 80k? I don't know any.
A teacher with a masters starts out at 42,900, a masters and 10 years experience makes 49,900. If all you ever get is a BA, then your max pay is 46k. You have to spend more time and a lot of money to earn additional, graduate level credits to increase pay. This is expensive and slow. Earn a Masters after your BA and you get a whopping 5k added to your pay.
Not to mention about $1000 a month will be taken out of this pay for benefits. Then deductions for taxes, medicare, retirement etc is another $700 or $800 a month
And that retirement the article bragged about so much, well that is self-funded. Money is taken out of your paycheck and placed into a fund. No retirement is given to teachers in this state, it is basically a stock market that is managed for you with your own money. The only problem is if you die 2 years after you retire your wife or kids never see that money that you put into for 30 years, it goes back into the pension fund (yes there is that potential to live to 100 and get more back than you put in). Stock market managed by me and not on my behalf actually sounds like a better deal.
So you still think they are overpaid?

So you pretty much need to get a masters to make any sort of money. By the time you get to the top you d be retired. Lol. Shitty guide

I think every teacher has to have a Masters in a certain amount of time.

Teachers?

brianlux · May 2018

tempo_n_groove said:

mcgruff10 said:

mace1229 said:

If you're curious how much teachers make in my area this is a good example. The local paper reported this district as the highest paying in the county.
If you're not familiar with this scale, the #1-26 on the left represent years of experience, and the top represents education. So yes a teacher can make close to 80k here, if they have a Masters AND a something close to a PHD equivalent (72 graduate level units) and 26 years of teaching experience. How many people with a PHD do you know that work in the same place for 26 years and only make 80k? I don't know any.
A teacher with a masters starts out at 42,900, a masters and 10 years experience makes 49,900. If all you ever get is a BA, then your max pay is 46k. You have to spend more time and a lot of money to earn additional, graduate level credits to increase pay. This is expensive and slow. Earn a Masters after your BA and you get a whopping 5k added to your pay.
Not to mention about $1000 a month will be taken out of this pay for benefits. Then deductions for taxes, medicare, retirement etc is another $700 or $800 a month
And that retirement the article bragged about so much, well that is self-funded. Money is taken out of your paycheck and placed into a fund. No retirement is given to teachers in this state, it is basically a stock market that is managed for you with your own money. The only problem is if you die 2 years after you retire your wife or kids never see that money that you put into for 30 years, it goes back into the pension fund (yes there is that potential to live to 100 and get more back than you put in). Stock market managed by me and not on my behalf actually sounds like a better deal.
So you still think they are overpaid?

So you pretty much need to get a masters to make any sort of money. By the time you get to the top you d be retired. Lol. Shitty guide

I think every teacher has to have a Masters in a certain amount of time.

Teachers?

Not for most elementary, middle schools and high schools. College, almost always.

mace1229 · May 2018

tempo_n_groove said:

mcgruff10 said:

mace1229 said:

If you're curious how much teachers make in my area this is a good example. The local paper reported this district as the highest paying in the county.
If you're not familiar with this scale, the #1-26 on the left represent years of experience, and the top represents education. So yes a teacher can make close to 80k here, if they have a Masters AND a something close to a PHD equivalent (72 graduate level units) and 26 years of teaching experience. How many people with a PHD do you know that work in the same place for 26 years and only make 80k? I don't know any.
A teacher with a masters starts out at 42,900, a masters and 10 years experience makes 49,900. If all you ever get is a BA, then your max pay is 46k. You have to spend more time and a lot of money to earn additional, graduate level credits to increase pay. This is expensive and slow. Earn a Masters after your BA and you get a whopping 5k added to your pay.
Not to mention about $1000 a month will be taken out of this pay for benefits. Then deductions for taxes, medicare, retirement etc is another $700 or $800 a month
And that retirement the article bragged about so much, well that is self-funded. Money is taken out of your paycheck and placed into a fund. No retirement is given to teachers in this state, it is basically a stock market that is managed for you with your own money. The only problem is if you die 2 years after you retire your wife or kids never see that money that you put into for 30 years, it goes back into the pension fund (yes there is that potential to live to 100 and get more back than you put in). Stock market managed by me and not on my behalf actually sounds like a better deal.
So you still think they are overpaid?

So you pretty much need to get a masters to make any sort of money. By the time you get to the top you d be retired. Lol. Shitty guide

I think every teacher has to have a Masters in a certain amount of time.

Teachers?

it helps with pay, but you only need a credential/license.
Most credential programs offer a MA program, its usually only a few extra classes to turn a credential into a masters if you do it at the same time.

mace1229 · May 2018

PJ_Soul said:

mace1229 said:

PJ_Soul said:

mace1229 said:

The ironic part is with premiums that high our insurance is still terrible. We can’t afford to go to the doctor because we’d still end up paying so much. If anything major came up I’d likely just have to declare bankruptcy and skip on the bill anyway, I’d be better off without insurance.

I don't get how the majority of people can afford the insurance, let alone extra costs. So you pay all that and still have to pay out of pocket to see a doctor? Huh? Why? Is that insurance only for when you're so sick and injured you have to go to the hospital? This entire concept, at those rates, actually shocks the fuck out of me. Well, having a private health insurance system at all shocks the fuck out of me - profit comes from not providing the best care or even no care, which is a human rights violation IMO - but this is just worse. How does any kind of insurance cost that much, and why are people willing to pay it or support a system that works like that in any way? This make no sense to me - I'm a bit befuddled.

A routine dr visit isn’t bad, I think the copay is $30 a visit for a family dr. It’s more for a specialist, $60 a visit I think if it’s someone other than just your family dr. Urgent care, which is where we have to go most of the time because it’s really difficult to get a last minute appointment for a family dr, is $100 a visit. ER is $200 just to walk in the door, and then a copay on top of that can easily bring a short visit for something like blood clots into the thousands.
Medication is hit or miss, sometimes it’s $10, sometimes $60 or more to fill a prescription. My wife was actually just denied a prescription through insurance, the reason was it’s only available in 90-day prescriptions at the pharmacy but the insurance would only approve a 30-day supply. So we had to go all out of pocket on that.

the real kick in the nuts is ive learned to always ask for cash prices, sometimes the uninsured cash price is cheaper than the negotiated copay through insurance. My copay on a prescription may be $60, but the regular price is only $40. So even after all that, sometimes I’m still better off claiming no insurance and just going out of pocket completely. I complained to my insurer about that one time and the response I got was “it’s always a good idea to price check.”
i mean the whole concept behind insurance and why my combined premiums (what my employer pays + what I pay) is $2000 a month is so that the insurer absorbs the majority of the medical cost and I pay a fraction of it. But that’s not the case much of the time. So what’s the point?

So when poor/cash poor people get sick and need to see a doctor or go the ER... they just can't, simple as that? Or is that when they have to go to one of those nightmarish county places, and then can walk in without a penny in their pocket? And to those kind of crazy free charity-supported walk-in clinics? I'm just getting those ideas from shows like ER and Grey's Anatomy, lol, so I have no idea if that's really how it is.

Those people don't go to the family dr. Many go to the ER because by law they can't be turned down. Which is one reason why ERs are experiencing problems here, and wait time for non-emergencies can be several hours. But you see people go to the ER for minor injuries just because they can walk out and stiff the hospital with the bill.
I'm not sure if those nightmarish free clinics even exist for just normal care?

PJ_Soul · May 2018

brianlux said:

tempo_n_groove said:

mcgruff10 said:

mace1229 said:

If you're curious how much teachers make in my area this is a good example. The local paper reported this district as the highest paying in the county.
If you're not familiar with this scale, the #1-26 on the left represent years of experience, and the top represents education. So yes a teacher can make close to 80k here, if they have a Masters AND a something close to a PHD equivalent (72 graduate level units) and 26 years of teaching experience. How many people with a PHD do you know that work in the same place for 26 years and only make 80k? I don't know any.
A teacher with a masters starts out at 42,900, a masters and 10 years experience makes 49,900. If all you ever get is a BA, then your max pay is 46k. You have to spend more time and a lot of money to earn additional, graduate level credits to increase pay. This is expensive and slow. Earn a Masters after your BA and you get a whopping 5k added to your pay.
Not to mention about $1000 a month will be taken out of this pay for benefits. Then deductions for taxes, medicare, retirement etc is another $700 or $800 a month
And that retirement the article bragged about so much, well that is self-funded. Money is taken out of your paycheck and placed into a fund. No retirement is given to teachers in this state, it is basically a stock market that is managed for you with your own money. The only problem is if you die 2 years after you retire your wife or kids never see that money that you put into for 30 years, it goes back into the pension fund (yes there is that potential to live to 100 and get more back than you put in). Stock market managed by me and not on my behalf actually sounds like a better deal.
So you still think they are overpaid?

So you pretty much need to get a masters to make any sort of money. By the time you get to the top you d be retired. Lol. Shitty guide

I think every teacher has to have a Masters in a certain amount of time.

Teachers?

Not for most elementary, middle schools and high schools. College, almost always.

Technically that is true, but in reality it's not at all true. Competition for the PDP programs (which you need to do to be a teacher) in post-secondary is so high that pretty much nobody without a masters is accepted to the program in the first place. I know that in Canada VERY few people are becoming teachers without a masters degree, no matter what grade they teach.

Something about teacher's pay...

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