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Thread: The PPACA Thread Part IV - Repeal & Replace, or Something...

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    I designed and teach an international health care systems course. In it I talk quite a bit about how the U.K. And similar nations don't pay their MDs as much as we do, but they also don't really pay much for med school.
    In contrast, my family member has over 300k of debt racked up and he still has a year long fellowship to do. His loans will be higher than a Mortgage for years.
    Last edited by Deutsche Gopher Fan; 05-06-2017 at 02:16 PM.

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    "Nobody dies because they don’t have access to health care.” Congressman Raul Labrador of Idaho.

    It's a shame the only way he ever loses re-election is if someone against him says something even worse to get cheers.
    "I went over the facts in my head, and admired how much uglier the situation had just become. Over the years I've learned that ignorance is more than just bliss. It's freaking orgasmic ecstasy".- Harry Dresden, Blood Rites


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    Quote Originally Posted by bronconick View Post
    "Nobody dies because they don’t have access to health care.” Congressman Raul Labrador of Idaho.

    It's a shame the only way he ever loses re-election is if someone against him says something even worse to get cheers.
    Just head to an ER, he's right

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    Quote Originally Posted by BassAle View Post
    My son broke his femur skiing in January. All together it was around $35 K from ER admittance to going home. Over $10K of that was the fee for the pediatric orthopedic surgeon for a surgery that was 1-2 hours. No complaints though. He's not 100% yet, but is able to run now. The anesthesiologist made out pretty well too. He gets to go back in the fall to have the hardware taken out. I'm sure this will be considered a preexisting condition so it gives insurance companies another reason to **** him over when he is an adult on his own plan.
    At the end of the day this isn't an illness (thank god), but self destructive behavior.
    Should Joe Iowa really be on the hook for this?

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    Quote Originally Posted by bronconick View Post
    "Nobody dies because they don’t have access to health care.” Congressman Raul Labrador of Idaho.

    It's a shame the only way he ever loses re-election is if someone against him says something even worse to get cheers.
    Raul? Mexican invader!

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    Quote Originally Posted by Deutsche Gopher Fan View Post
    In contrast, my family member has over 300k of debt racked up and he still has a year long fellowship to do. His loans will be higher than a Mortgage for years.
    Lots of schools have costs over 4 years greater than a mortgage. A friend of mine has a daughter trying to get a field hockey scholarship. She told me Quinnipiac was 62 grand a year. Thats crazy. At least your family member will be able to pay that off.
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    Quote Originally Posted by walrus View Post
    Lots of schools have costs over 4 years greater than a mortgage. A friend of mine has a daughter trying to get a field hockey scholarship. She told me Quinnipiac was 62 grand a year. Thats crazy. At least your family member will be able to pay that off.
    CoA at a lot of Northeast colleges is over $60K. FYI, I believe Clarkson is $62K.

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    Quote Originally Posted by joecct View Post
    CoA at a lot of Northeast colleges is over $60K. FYI, I believe Clarkson is $62K.
    My sons debt is 160 grand from Embry Riddle. Without scholarships it would have been 250,000. He also graduated in 3 years so add in another year and that goes up. But thats flying along with tuition.
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    Quote Originally Posted by walrus View Post
    My sons debt is 160 grand from Embry Riddle. Without scholarships it would have been 250,000. He also graduated in 3 years so add in another year and that goes up. But thats flying along with tuition.
    I'm very sorry to hear that. Knowing what I know now, well over a decade past my initial pipe dream to be an airline pilot, I would never allow any future kid of mine to get swindled by Embry. Even out of state tuition at ND, Bowling Green, or Western Michigan is more reasonable, and ultimately has the same cachet among the airlines. A friend of mine went though BG's program, and ended up getting hired by United, but only after doing the requisite period as an instructor for slave wages, and then about 3 years at one of their regional subsidiaries, XpressJet. If you don't have flight hours, you start at the bottom, period. Embry is the Michigan of the aviation world - "We're so special".

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    Quote Originally Posted by FadeToBlack&Gold View Post
    I'm very sorry to hear that. Knowing what I know now, well over a decade past my initial pipe dream to be an airline pilot, I would never allow any future kid of mine to get swindled by Embry. Even out of state tuition at ND, Bowling Green, or Western Michigan is more reasonable, and ultimately has the same cachet among the airlines. A friend of mine went though BG's program, and ended up getting hired by United, but only after doing the requisite period as an instructor for slave wages, and then about 3 years at one of their regional subsidiaries, XpressJet. If you don't have flight hours, you start at the bottom, period. Embry is the Michigan of the aviation world - "We're so special".
    Embry is also a school of connections. I have no doubt he got what he wanted out of it. He took it seriously and is trying to get his hours. He should have his hours by June. Endeavour is already calling him and that's where he wants to work.

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    I also have a distant cousin who is 2 years into Western's program, and another cousin who did Embry, and is now in airport ops management. Going to be interesting to see if WMU's Port Charlotte, FL campus will steal Embry students looking for sunshine.

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    If you go to work in underserved areas, many states have loan forgiveness programs for doctors.

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    Quote Originally Posted by dxmnkd316 View Post
    If you go to work in underserved areas, many states have loan forgiveness programs for doctors.
    Yes, but that requires altruistic doctors who are willing to live in East Bumblefart, Middle America. Good luck with that.

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    Quote Originally Posted by FadeToBlack&Gold View Post
    Yes, but that requires altruistic doctors who are willing to live in East Bumblefart, Middle America. Good luck with that.
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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    Quote Originally Posted by FadeToBlack&Gold View Post
    Yes, but that requires altruistic doctors who are willing to live in East Bumblefart, Middle America. Good luck with that.
    Inner cities are also considered underserved in many communities.

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    Quote Originally Posted by dxmnkd316 View Post
    Inner cities are also considered underserved in many communities.
    You're right. There I go with my white privilege.

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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    You would be surprised the amount of hospitals that count for the 10 year loan forgiveness. For example, The Cleveland Clinic counts.

    Now you do need to be making payments on your loans (usually in a Pay-As-You-Earn program because that is about all you can afford when you are in residency). You need to make 10 years of payments (non-consecutive). There are several kickers, however. You cannot sign up for the program, there is no guarantee. You can only apply after the 10 years of payments and this is actually the first year people are applicable (for the federal program). This program depends on the politics of the time because there is no guarantee that it will be available 10 years from now.

    Some people are finding out that they thought they were working for applicable programs but when they apply, they are denied.
    http://www.npr.org/sections/ed/2017/...bt-forgiveness

    There are also proposals of limiting the amount of forgiveness (which most doctors, myself included, have 200,000 plus in loans just from medical school). There is also uncertainty if the forgiveness will be taxed as income.

    So overall, there are programs, but there is a lot of questions and uncertainty especially in the current political climate.
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    Re: The PPACA Thread Part IV - Repeal & Replace, or Something...

    Quote Originally Posted by FadeToBlack&Gold View Post
    You're right. There I go with my white privilege.
    Hahaha. Yeah. You should check that.










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    Quote Originally Posted by WisconsinWildcard View Post
    You would be surprised the amount of hospitals that count for the 10 year loan forgiveness. For example, The Cleveland Clinic counts.

    Now you do need to be making payments on your loans (usually in a Pay-As-You-Earn program because that is about all you can afford when you are in residency). You need to make 10 years of payments (non-consecutive). There are several kickers, however. You cannot sign up for the program, there is no guarantee. You can only apply after the 10 years of payments and this is actually the first year people are applicable (for the federal program). This program depends on the politics of the time because there is no guarantee that it will be available 10 years from now.

    Some people are finding out that they thought they were working for applicable programs but when they apply, they are denied.
    http://www.npr.org/sections/ed/2017/...bt-forgiveness

    There are also proposals of limiting the amount of forgiveness (which most doctors, myself included, have 200,000 plus in loans just from medical school). There is also uncertainty if the forgiveness will be taxed as income.

    So overall, there are programs, but there is a lot of questions and uncertainty especially in the current political climate.
    The public interest loan forgiveness program will be tax free, they've said that repeatedly. But as you said, they could potentially pull the rug out from under us. My wife is about 7.5 years into her job as a public defender. We're both worried they'll see how much they've paid out the first two years and pull the plug when she's at 9.5 or so years.

    Now, if they're smart, even if they change it they limit changes to new grads. I read an article from some right wing think tank that hates PILF, and even they said any changes should not be made retroactive and affect people who have been counting on it.
    Last edited by unofan; 05-06-2017 at 07:43 PM.

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    Quote Originally Posted by mookie1995 View Post
    Just head to an ER, he's right
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