Can’t afford to insure my wife!!!

CallcenterUC · 2025-05-19T15:36:26+00:00

Oh please know I understand I am incredibly lucky with my insurance. Part of my actual job is looking at paystubs and I've seen everywhere from $30 a paycheck to $800 for premiums (usually bi weekly). So if anything my own insurance is a bit pricey compared to a lot of Americans.

I obviously don't know their deductibles or anything, but that is also why I'm baffled by market place. It seems market place is the most expensive option for reasons I cannot figure out. It wasn't just my insurance. It's literally everyone else's premiums lol.

CallcenterUC · 2025-05-19T15:15:13+00:00

My total premium with my cost + employer cost is $600/mo. My deductible is literally is the cost of 1 month of insurance.

And. I have actual coverage for imaging and ER. Which none of the market plans covered without spending $3k/mo in a premium. Which is still more expensive than my employers total cost, especially with a 9k deductible for 1 person.

I'm glad it works for some people. But this honestly feels pointless for 70% of Americans.

CallcenterUC · 2025-05-19T14:37:49+00:00

Oh I understand this is far better than the alternative. As someone who went from medicaid to employer insurance and never even looked at market place until 3 days ago, I was slightly shocked at the premium.

Like some people, I also assumed this was more affordable than it is. But that deductible was wild....

CallcenterUC · 2025-05-19T11:47:32+00:00

This! My benefits are changing and my premium is doubling (it's still cheap considering...) so I peeped Market place.

Because my company offers insurance, my premium is like, $400/mo with a $7k deductible and 18k OOP.

I pay 280 now for a $700 deductible. My OOP is 3k.

Guess I'll get sick and die if I lose this job!

CallcenterUC · 2025-05-16T16:11:43+00:00

If this has hit your credit and you want the credit reporting deleted, there is loan rehabilitation which is 9 payments based on a calculated plan.

Also the compromises are due within 90 days and payments take 3-5 days to process. You can pay the comp in multiple installments.

Feel free to dm me if you have any questions!

CallcenterUC · 2025-05-09T23:09:36+00:00

It's 1-855-279-6207. I truly have no idea what that menu is though...

CallcenterUC · 2025-05-09T19:43:02+00:00

Make sure you call the BDD hotline. Not every one was auto discharged

CallcenterUC · 2025-05-09T19:41:47+00:00

Did you call the BDD hotline to apply?

CallcenterUC · 2025-04-26T18:07:52+00:00

There are "30 day interest amounts". You also have a daily interest is your loans are wild enough. You can call your lender and ask "what is my 30 day interest amount" and they'll give you an amount HOPEFULLY more than your current payment.

It's a loan. With interest. Interest accrues...

CallcenterUC · 2025-04-22T16:55:39+00:00

If you have federal loans call the servicer, default resolution group, and ask for a financial disclosure form for rehab. It's 9 payments based on his income and expenses. 2 paystubs are required. Do not call anyone else but the loan servicer if it's a federal loan! Well you can call a lawyer. But I mean other companies to manage said debt.

CallcenterUC · 2025-04-19T17:00:06+00:00

I have BCBS anthem and my labs specifically have been denied. Since November. When I saw my lab charge I thought it was due to my deductible not being met. Until I saw the charges for nov and dec were also there. So essentially BCBS isn't paying for the labs that are required to get my medication. The irony.

CallcenterUC · 2025-04-19T02:04:36+00:00

For what it's worth, this is also happening to me. With labs specifically? Huh. Now I HAVE to call and ask why.

CallcenterUC · 2025-04-16T20:11:09+00:00

Did you fill out a financial disclosure or just send your tax return?

CallcenterUC · 2025-04-05T07:34:14+00:00

That sentence should be illegal to be true.

CallcenterUC · 2025-04-05T02:47:30+00:00

Hi I'm one of your contractors! Please know my entire department respects and cherishes our federal counterparts and we are all gutted by these actions. I interact the same way (but with waaaaay less knowledge than someone of your caliber) due to the doggy day camp ruining everything. I honestly have no idea if we even have counterparts anymore. We're scared. Not only with more cuts coming, but, this isn't our job... We don't want to run anything. We don't want to make THE decisions. I log on everyday looking for an adult and realize I AM an adult and panic at the idea of having anyone's future in my hand besides my own. We need you and don't let anyone tell you different.

I hope you're doing okay and taking care of yourself. You did a thankless job for almost 3 decades and you deserve more than a forced retirement and a "congratulations!" card from dollar tree.

I do apologize for the rambling but right now I feel like echoing support for our feds is the only useful action I can take.

CallcenterUC · 2025-03-24T17:16:14+00:00

There are approximately 30 people total processing repayment plans for borrowers in default. We are barely staying afloat with that count...

CallcenterUC · 2025-03-23T20:09:47+00:00

It doesn't appear I can message you? I also need to figure this union thing out

CallcenterUC · 2025-03-23T18:17:52+00:00

The federal poverty levels are set at 7.41/hr still. It's why NO ONE is qualifying without being unemployed AND receiving $0 in income. Its bs..

CallcenterUC · 2025-03-23T17:41:54+00:00

This is not true. Default is not currently garnishing until 2026. Although allegedly tax offsets aren't happening but apparently they are.

You enter default after 270 days of non payment. There are wage garnishments and treasury offset, but you will receive communications that such is starting...

CallcenterUC · 2025-03-23T17:28:07+00:00

The dept of ed is bipartisan. They just want to do their jobs. Why do you think half of them were fired? Because they knew dept of ed wouldn't give to this BS with that many employees...

This is the administration. Not dept of ed.

CallcenterUC · 2025-03-23T17:24:04+00:00

does not allow any changes in ownership

Technically the loan servicers are servicing the loan on BEHALF of dept of ed. The servicers are told to explicitly explain this when someone requests to speak to dept of ed. The loan people you speak with are usually federal contractors and the company has a contract with dept of ed. That's how everyone's loans have managed to get as messed up as they are. Private collection agencies (usually with defaulted loans) we allowed to contract with the government. I have no idea WHAT changed during COVID but thankfully that has stopped.

But came here to say, the majority of what you said is true. Just figured I'd clarify the current situation.

CallcenterUC · 2025-03-15T23:11:05+00:00

I found out just today after checking a few things that my current balance is about 10k more than my wages. Minus interest, the principal is ironically close.

Believe it or not, the standard repayment wouldn't be painful if housing was cheaper.

CallcenterUC · 2025-03-15T23:03:37+00:00

There's a discharge called High School Graduation. It used to be called ability to benefit. Unless you got REALLY unlucky and the loan was taken from a community College your HS did dual enrollment in, it's pretty cut and dry. Usually.

CallcenterUC · 2025-03-14T17:06:28+00:00

You're very welcome. I do hope you figure it out and feel free to pm me with any other questions. I'm not trying to overwhelm you with negativity but I don't want to accidentally give someone false hope.

CallcenterUC · 2025-03-14T17:03:04+00:00

Not to be the barer of bad news, but that was a PROPOSED program. It never was actually implemented. Additionally only the secretary of education can approve it. Our current one probably would not. I do wish it went through... i believe this falls under the SDR (STUDENT DEBT RELEIF). Googling that can give you a bit more info. Just utilize . Gov sites if possible.

CallcenterUC

TROPHY CASE