@DebtOrAlive Ironically, I work for one of the connector entities in Maryland. I checked with one of our Navigators about my options: Since I’m eligible for coverage at my new job I’m not going to qualify for any assistance, so nothing would be subsidized. Due to my age (26) and income, the most cost effective option for me would be to pay full price (about $200) for a Silver plan with a $1300 deductible. So, I’d really be paying out of pocket for anything I needed next month, anyway. I realize that there’s a chance that something terrible could happen, and that $1300 is better than $13,000, etc. However, things are so backed up in the system that even if I had applied for coverage last week, it likely wouldn’t begin till July. I feel like my best option is probably to wing it, especially since I got an email from HR this morning stating that the official amount for my COBRA would be $522.
I checked with HR to see how much COBRA coverage will cost for the month between when I leave my job (next Thursday! YAY!), and my new job's insurance kicks in (July). The minimum amount was FOUR HUNDRED DOLLARS, so I decided to wing it without insurance for a month, and made an appointment to have all of my prescriptions refilled. Hope I don't fall off my bike!
@RachelG8489 BOOM. Ordered. Thanks for the code!
Everyone should read this: http://www.theawl.com/2014/04/ask-polly-will-our-class-differences-tear-us-apart.
@TheDoctorsCompanion I REFUSE TO PAY FULL PRICE FOR A SODA STREAM
@Josh Michtom@facebook Totally agree, and I think that holds true for a lot of folks. If I was commuting to DC you couldn't PAY me money to drive. I did take the train to work everyday for about a year because I didn't have a car, and I wanted to see if I could hack it without one. However, in my particular city, public transportation is so poorly managed that my 5 mile, 10-15 minute commute by car became an hour by train, or an hour and a half by bus. I'm still getting my bearings as far as biking in the city is concerned. There's not a great path for a beginner to take from my neighborhood to downtown, and there's no shower situation in my business casual office for muggy summer days, so for now- driving it is. I carpool with another person in my neighborhood so we both feel slightly less guilty about the short drive.
I would love to stop driving, but right now it's the safest, most efficient way to get around. I have hours and hours of my life back that I used to spend on the bus/lightrail since I got a car. I'm very, very, lucky to be able to afford one. I will GLEEFULLY sell my car and purchase a monthly bus pass when we get a bus/lightrail/metro system in Baltimore that goes remotely near anyplace I need to be, actually stops at the bus stops, and/or shows up according to any kind of schedule at all. I will also start riding my bike more when we get usable bike lanes.
I'm salaried, and I usually end up working about 42 hours a week (8:00 to 4:30, with a couple late days or a couple days where I skip lunch), on average. There are a lot of weeks though, where my supervisor will give me a VERY URGENT AND TIME CONSUMING TASK to do at 4:15, or inform me that I am required to attend an event over the weekend. For what I get paid, this kind of significant, unexpected, unpaid overtime is really irksome. I am technically supposed to receive comp time for anything that equates to a full work day, but have learned not to ask for it, because it's more hassle than it's worth. I would estimate that my supervisor makes 3x my salary and works an average of about 35 hours a week. He/she comes in between 9:30 and 10:00, and usually leaves before I do. He/she does not use their PTO for long lunches, appointments, or leaving early. This is very much the status quo for the management team at my place of work.