Something about teacher's pay...

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.

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.

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.

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.

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?

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

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?

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.