Friday, January 16, 2009

Annoyed

So, today I spent a long time on the phone with a woman who works for the Department of Human Services in Colorado. Let's spell the situation out for you: I am taking 20 credit hours per semester in nursing school, and cannot work. Stephanie is at home, currently looking for a part-time job in which she could continue to care for Braeden, two months old. We have no income. Health insurance costs about $350 per month for our family for plans with a $2,000 deductible, which means that we are currently underinsured or not insured at all.
I disagree with our current health care system. I think it is a robbery. I wish everybody had quality health care, and that there was no such thing as health insurance to cover the costs of healthcare, that it was just another business. Instead, it is a business that robs insurance companies blind, who in turn rob their clients blind, who finally have to turn to government for aid in programs that are robbing everyone in the United States and putting our country in insurmountable debt.
Well, starting in January of next year we'll be paying for our own healthcare, one way or another, once I graduate from school. For the next twelve months, we are applying for Braeden to be covered with Medicaid so that he can continue to receive healthcare. We will also spend the rest of our lives paying at least 6% toward FICA and “Social Security” to fund the welfare and Medicaid programs.
The phone conversation was very indicative of how our government works: apparently, federal loans intended to pay for tuition costs qualify as “income.” Now, I'm positive that if I could somehow speak with the right person (someone who speaks English and has been in the country for more than 2 years), I would be able to help him see that those loans are different than income. If a person went and applied for food stamps, and the worker asked if they had any credit cards and received an affirmative answer, then the worker is most likely not going to say “Well, then! Just use those for food! Why are you applying for food stamps if you have credit cards?”. That is basically what I'm getting from the social worker, because I have the option of receiving all the loans that my little heart could possibly wish for, regardless of the fact that if I actually did so then I would be paying 50% of my paycheck for ten years after graduation.
You see, this is the entire of having government pushed into every part of our system; while there are benefits, like receiving healthcare for a child (well, not that we qualified, but you get my meaning) when unemployed, we have to be okay with the fact that whatever moron on shift that day is running our lives. Let's face it; if the government hadn't guaranteed student loans to everyone, it would be virtually impossible for colleges to be charging so much tuition because none of the students could afford it, which means that I wouldn't be in the situation of not being able to live without some sort of loan, which apparently disqualify me from receiving the same aid I have been paying for over the course of the past ten years (yes, everyone pays FICA and SS; nobody is exempt except for our upcoming treasurer, according to his track record).
Yes, I'm in a somewhat terrible mood about this. Fine. We'll play the game. We'll suffer the loss in origination fees, but we'll pay back our loans that were originally meant for tuition in two months. But next year, I'm going to learn so much about the loopholes of paying taxes that the government is going to be grappling thin air in an attempt to bury us. Thanks, social worker, for helping me see the light; now, go fetch.

3 comments:

The Busey Family said...
This comment has been removed by a blog administrator.
Ben said...

Yep, Steph, it's all good. I was just venting! ;)

Anonymous said...

Ha ha!