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User 7415181
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I'm writing an instablog - I know of a few people who have read some, but the main reason for writing it is to clarify my thinking (and likely confuse you) before I invest in something every month or so. And also to act as a journal I can review every so often. I work as a mental health nurse.... More
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User 7 blah blah's instablog.
  • Nightmare, The Dream Time (Part 2 - A Personal Rant) 7 comments
    Nov 5, 2013 4:30 PM

    Ah, yes. I intensely dislike my job and it's bordering on hate. And after checking out healthcare.gov (110% increase for crappier insurance than what I had over the last year - that's assuming what I see is correct When I'm allowed to log in) and my job's new insurance policy this year (50% increase, on par with last year), I guess I'm going to have to start seriously looking for another job.

    My main issue is that my employer requires you have health insurance. You don't get a choice to say no. Last year, I found a high-deductible crappy plan that was better than what my employer offered. Because I bought that, I signed a bunch of papers waiving my employer's crappy plan and got an instant 12% raise. So since the Obamacare insurance appears to be insanely expensive ($240/mo for a $6500 deductible? What poor people have that amount of savings in cash?) I'll need to go back on to my employer's yoy crappier insurance and take a pay cut at the same time.

    Really? I need a new job. I'd rather forego health insurance and pay the penalty until I could do enough shopping for something reasonable that would cover a genuine medical emergency, but I can't do that since this is that magic time of year to sign up for crappy benefits.

    Anywho. Whining will not make me money. I want to get paid for not really doing anything except some research. And as I see my dividends slowly increasing each month since the last financial disaster I had, I'm on the right track.

    The bad part is that my slowly increasing dividends in my taxable account aren't doing what they were supposed to do. I sacrifice discretionary income now and I reap slowly increasing income over time. What is happening is I'm getting slowly increasing income, but that will be used to pay for something that I'm basically required to have and has doubled in price over the last year.

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  • Interesting Times
    , contributor
    Comments (10839) | Send Message
     
    USER

     

    http://bit.ly/1hQXlkY

     

    These are where all mu Doctors are. You asked on JW'S site. They have monopolized the area as you can see by how many doctors they employ and the Specialists they have too !!
    7 Nov 2013, 06:46 PM Reply Like
  • User 7415181
    , contributor
    Comments (691) | Send Message
     
    Author’s reply » Well, it's good that you're paying for that many doctors and specialists, right? Like I mentioned before, I bet they're all collaberating with each other carefully.

     

    My question is why the pictures of the mammogram team and the urology team are the same? Cross training? : )
    7 Nov 2013, 07:00 PM Reply Like
  • User 7415181
    , contributor
    Comments (691) | Send Message
     
    Author’s reply » You know, that was a quick and smart-ass response. I apologize. The mammogram team has at least three extra people in the picture in addition to the urology team.

     

    Seriously, it should be helpful to have all of your healthcare providers in one network. They should be able to look up your records easily and even be able to contact each other.

     

    From what I've seen, this does not happen. HIPAA is a hinderence. Even within my facility which is across the street from the hospital that owns us, I have a huge problem of getting an accurate record of everything that was done for a patient in the ER or wherever before they get to us.
    7 Nov 2013, 07:19 PM Reply Like
  • Interesting Times
    , contributor
    Comments (10839) | Send Message
     
    Not in this group. They all have access....Although not sure of the quality of the doctors,but we sure have quantity..
    7 Nov 2013, 08:31 PM Reply Like
  • John Wilson
    , contributor
    Comments (1227) | Send Message
     
    Hey User
    I didn't know this blog had come out. I was just checking things out and saw it.

     

    What about what I hear - that there is a severe shortage of nurses?

     

    I just saw the story on TV news of the man who was suing the hospital where his wife worked, for overworking her. She was overworked without breaks and meal time, worked over the end of her shift, and was driving home after work at night and was fatigued and ran off the road, hit a tree and demolished the car. She was killed.

     

    He is suing them for damages overworking - not allowing breaks and meals .
    which caused stress and fatigue.
    http://abcn.ws/181zuOa

     

    If you could find a state or university hospital you would have the health insurance provided.

     

    Did you look at Golden Rule?
    http://bit.ly/181zuOd
    The have deductible ranges from $1500 and on up. I don't know what the premium would be but it looks like better choices than the egg-sucking Marketplace.

     

    Good luck. Keep writing about the experience. It's something everyone is dealing with.
    17 Nov 2013, 02:00 PM Reply Like
  • User 7415181
    , contributor
    Comments (691) | Send Message
     
    Author’s reply » JW,

     

    Thanks for dropping by. Checked out Golden Rule, and the current premiums are reasonable. Problem is the site lists them as expiring at the turn of the year, so who knows where they go. I'm still mulling things over, but I'm probably going to end up signing back up with my current employer and start spamming my resume to other jobs.

     

    A state job would be good - pay's lower down here because we don't have unions but the state does have good benefits.
    17 Nov 2013, 02:25 PM Reply Like
  • User 7415181
    , contributor
    Comments (691) | Send Message
     
    Author’s reply » I should also point out that I actually like the hospital I work at (not the ER, but they're under a different administration and budget than the rest of it). I don't enjoy working in mental health. Sometimes you get genuinely sick people. Sometimes they can be amusing. But mostly I'm dealing with people who're looking for three hots and a cot or are on the run from the law or their drug dealer.

     

    The only reason I'm still working here is that I got offered a seven day on and seven day off rotation last year (I've never seen this offered anyplace else). So for the last year, I worked basically half of the year and made full time pay with the raise I wrangled into getting by buying my own insurance.

     

    Woman finally got herself a decent job last Spring and for the first time in forever we were saving real money. And now over the last month or so I'm looking at losing my 12% raise and going back on my employer's insurance or paying more than twice what I was paying for twice as crappy insurance.

     

    This is why I've been pretty vocal on this subject.

     

    But I do thank you for the Golden Rule recommendation. I had to go back through my PMs on Friday to find which one's you told me about.

     

    But at the end of the day, I might as well look for a field I might enjoy instead of a field where I have nice perks but don't enjoy. And I'm also coming up on my five year mark of being a nurse, which seems to be that magic timeline that HR decides you're experienced vs a beginner.
    17 Nov 2013, 02:49 PM Reply Like
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