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Georgiana

Dillards 80: Everybody Take a Shot!

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sableduck
1 hour ago, ViolaSebastian said:

I found his reply asking why someone was hoping he wasn't feuding with JB to be strange. I mean, ideally, a person doesn't want to be in a fight with or estranged from their wife's parents and their children's grandparents. That's common sense.

I found it baiting.  Like he was hoping the person would be a JB leg humper and say “JB is a wonderful man of God! Look at how well he raised his family!” And then Derek would get to point out that none of that is true.

Its pretty obvious Derek doesn’t have much use for JB, and it truly seems to have started from around the time the molestation news really hit. Like Anna, I am quite sure that if Derek actually knew any of it before marriage, it wasn’t the whole truth.  If Derek has turned on his father in law for the shitty way JB treated Jill and her sisters, I can’t blame him for that.  And while I do understand the contract, he’s right that TLC made a shit ton of money off that episode and could have helped just a little.  I know it doesn’t work that way, but clearly JB wasn’t helping.  We have sort of good insurance, but the deductible and co-pays for my last pregnancy nearly bankrupted us(lots of complications and a NICU stay we were not expecting).  
 

Derek seems very bitter. I hope he can find peace, and I also hope that eventually he realizes the enemy is fundamentalism and turns his anger toward that.

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WarriorJane
1 hour ago, ViolaSebastian said:

I found his reply asking why someone was hoping he wasn't feuding with JB to be strange. I mean, ideally, a person doesn't want to be in a fight with or estranged from their wife's parents and their children's grandparents. That's common sense.

I took his response to mean 'why would you give a shit' and honestly, if the poster is just a stranger on the internet, it's a good question.  But I guess they make a living off strangers who give a shit.  

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mstee

The kids that participate in the show have to be getting some money from JB (just judging from their lifestyles and lack of traditional jobs) but I guess the question is how much is JB keeping for himself? What a shitty setup. Serves JB well, though. It would be nice if derick weren’t so vague and said exactly what he means. I don’t know if he thinks it’s better this way, but he can’t actually believe that by being vague he is not attacking JB. He either needs to spill the beans (with Jill’s permission) or keep his mouth shut. These middle of the road answers give us nothing and just make him look like an ass. 

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SassyPants
21 hours ago, QuiverFullofBooks said:

Also, Derick said on Twitter that they “do [have health insurance], but there are still deductibles.” Given how legalistic he is, it’s possible that refers to the present, not when the boys were born, but I think they likely had insurance that covered some of the cost of the births.

Wonder if it’s SCamaritan Insurance? And of course there’s deductibles. He’s not stupid. If he went for a high deductible plan in order to pay lower premiums, that’s on him. He gambled and lost. Like I said, he’s really immature.

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sableduck
43 minutes ago, SassyPants said:

Wonder if it’s SCamaritan Insurance? And of course there’s deductibles. He’s not stupid. If he went for a high deductible plan in order to pay lower premiums, that’s on him. He gambled and lost. Like I said, he’s really immature.

I wish we had a choice. Every ambulance company in my area has gone to high deductible plans.  My husband and I are both paramedics and our place of employment has only one plan offered, and it’s a $12,000 deductible.  I’ve checked into the Obamacare plans and they are similarly unaffordable for us.  We max out every year due to two kids with special needs.  Health insurance is a huge strain on our budget, but our income is too high for any help but that $12,000 and then 20% co pay until we hit a $20,000 out of pocket max is really difficult for us.

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justoneoftwo

In an emergency networks don't matter, but you may have to argue that it was an emergency 

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Wine time!
allthegoodnamesrgone
On 10/18/2019 at 1:02 AM, SportsgalAnnie said:

I haven't watched it yet, I know Dierks is going back to the old ways of the Opry where it's two originals and a cover. The list I made was just who I've seen live/would pay money for. 

Darius is one of my favorite performers, no one sings with as much heart and emotion.

I absolutely love Darius's voice, and have since the initial HATBF album back in 1994. I recently saw him in concert with/as Hootie and he seems to have a hard time modulating/controlling his voice live, and didn't sound AS good but it was still a great show, and as the show went on he got his voice control and it improved. I could give this a pass if he was a 20 something singer, but he's been doing this for 30 years, he SHOULD be able to sing better live, and it wasn't the sound system as Bare Naked Ladies were on stage before him and they had no issues whatever.

But I still love to listen to him sing. 

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Daisy0322

My husband stays in the military pretty much just for the health insurance for our family.... it's the best way we can live comfortably.  We pay a little extra for the higher quality plan and every thing else is pretty much free after we hit a 100$ deductible per person.  It's ridiculous in This country that insurance is the issue that it is. 

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SassyPants

I just wanted to make something very clear. I believe the for profit healthcare system is a horrible idea, for the most part. And I worked in it for 35 years. No one should have their insurance tied to a job, period. HCI was one of the main reasons I stayed employed when my kids were small, and now that we are in our early 60s, the only reason my husband still works (well, that and travel). I also want to make it very clear, most young couples or those with young children, do not and have not had the latitude to just quit jobs, take classes, buy new homes, travel outside the country....in the real world people have to work, for many, many, many years. There is NO other option for responsible, law abiding adults. So let’s not the confuse Duggar et al for people who suffer a tragic illness or accident and find themselves underinsured and health care expense top heavy. Dillard CHOSE to quit his job with the #1 retailer in the country ( or is it the world).

1 hour ago, Daisy0322 said:

My husband stays in the military pretty much just for the health insurance for our family.... it's the best way we can live comfortably.  We pay a little extra for the higher quality plan and every thing else is pretty much free after we hit a 100$ deductible per person.  It's ridiculous in This country that insurance is the issue that it is. 

Amen. This is what responsible, critical thinkers do. 

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llg1234
2 hours ago, theotherelise said:

I think in general though, we need to be careful about a "too bad, so sad" mentality towards people who struggle with medical bills from unexpected medical events, even if they have insurance. And even if they chose a plan with the lower premium because that's what they could afford.

I would normally agree, but I have a hard time feeling bad for people who continuously vote for politicians that contribute to our broken insurance system and believe the medical industry should be for profit. Derick's getting what he voted for and dragging the rest of us down as well.

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EmmieJ

I live in California and have had my health coverage through Obamacare (ACA) since it was first available.  I'm not sure why my health coverage is very affordable, but perhaps it's because Kaiser operates in California.  I have been a Kaiser patient since I was a kid and when I became an adult, I was able to afford an individual plan with them, even through my college years.  But by around 2010 or so, the monthly premium just for me was over $600 (and that was even after I joined a local collective that helped "bring down" my premium to that amount).  I had to drop my coverage and just maintain a policy for my son for a few years until the ACA kicked in.  But ever since, due to the subsidy I qualify for, my monthly premiums have been affordable.  I wish it were the same across the country, but every state is different and I think some states have refused federal aid that would help make coverage more affordable because ---- it's Obamacare.

While I feel badly for anyone facing huge medical bills, I have to agree that Derick made certain unwise choices, such as quitting his job at WalMart and fully jumping on the TLC gravy train.  He was an educated adult male, married with a child.  It was irresponsible and that's all on him.  Derick can't have it both ways.  He liked the perks that fundiedom and JB/TLC seemed to offer him, and ignored all the red flags and very obvious downsides. 

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theotherelise

Definitely agree, DD is difficult to pity for all the ways people have listed. 

It is also hard to take that he seems to be acting on his newfound wisdom by being bitter, not being more compassionate and contrite. He's not here making a case for universal health coverage because of his experience being surprised by emergency medical care. Good for me, not for thee.

Jill also bears some responsibility for choosing a risky home VBAC with a marginally-trained (I don't remember who attended her second birth or if we even know) "midwife." I do feel sorry for her that her births have gone so differently than she desired and were so scary, but the decisions she and her attendant made were questionable at several points.

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FundieCentral

I think it is rather likely that the Dillards had to sign a non-disclosure agreement to get out of their TLC contract early. I bet that's why he can't say anything directly. He is however not prohibited from responding to Tweets with ambiguous statement because then he cannot be taken to court for explicitly breaching the NDA. Another option is that Jill asked him not to say anything about her family explicitly. She may not agree with them, but she may not want the family conflict to be a national news item. Which is also understandable. 


On another note: I'm rather surprised that Derrick - in his own, twisted way - seems to be the most independent thinker of the bunch. If it is true that the falling out occurred due to Jim Bob's controlling behaviour and the clan welcoming Josh back as if nothing happened after his wife publicly vouched for him on national television, thus humiliating herself nationally to defend her own abuser (!!) - I am ALL for that. I may not agree with Derrick on much, but I do agree that Jim Bob & Michelle treating their own daughter this way is worse than evil. I would have raised living hell over that. So good for him if he did. 

 

Edited by FundieCentral

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TuringMachine

Derick drives me nuts. Why can't he ever give a straight answer? He's definitely trying to be vague as to which birth they tried to get TLC to cover. On the other hand he has a tweet about getting the flu shot, so that's a point in his favor in my book.

1 hour ago, FundieCentral said:

On another note: I'm rather surprised that Derrick - in his own, twisted way - seems to be the most independent thinker of the bunch.

I think Ben gets some points for not being a trump supporter.

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Waffle Time
DarkAnts

Derick probably can't say anything about the contract. When someone published a book about Kate Gosselin that contained contract information, TLC had the book pulled. The book was later republished but much of the contract information was summarized.

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Giraffe

Jill and Derrick are the couple I most want an update on 10 years after the gravy train ends. I don’t find either of them particularly likable but I’m encouraged they only have two kids* and DD appears to be ok “defying” Duggar seniors or at least he’s ok with it appearing that way which is a step in the right direction.

 

*so far. Obviously that can change at any time. 

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Waffle Time
Beermeet
8 hours ago, sableduck said:

I wish we had a choice. Every ambulance company in my area has gone to high deductible plans.  My husband and I are both paramedics and our place of employment has only one plan offered, and it’s a $12,000 deductible.  I’ve checked into the Obamacare plans and they are similarly unaffordable for us.  We max out every year due to two kids with special needs.  Health insurance is a huge strain on our budget, but our income is too high for any help but that $12,000 and then 20% co pay until we hit a $20,000 out of pocket max is really difficult for us.

I'm in the same situation.  Make too much for help but too little to afford insurance for my husband and myself.  Just our 2 children.  My employer only gives a $200 stipend.  Which does little.  There are many of us middle class folk in this unfortunate situation.  It sucks. At 22, when I left home to be on my own, I bought insurance for myself at $87/month. Now, it's over $450 for any insurance I can actually use. 

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TheMustardCardigan

I feel exceptionally grateful for my job right now. $8/mo insurance for me as a single person; $30/mo once I am married for the “family” plan. Really eye-opening to read the different rates people are talking about on here. 

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Giraffe

I pay $400 per month and that’s just to have insurance. Anytime I see the doctor I pay over $100. I don’t have any coverage for prescriptions. 

Edited by Giraffe
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Giddy
BemusedByFundamentalism

Every time I hear or read about the health insurance 'system' in the US, I get so angry and sad. I know I am preaching to the choir, but it is just mindboggling to me how the country gets away with this. I have seen various Dutch documentaries about US' health insurance and the problems it causes for so many people. 

In The Netherlands (in case anyone finds it interesting) things have gone downhill for quite some time with insurances, but that's from our point of view. It used to be amazing, now it's still good but less amazing compared to how it used to be (and this is due to privatizing the sector). I'll put some information under a spoiler (copied paragraphs from a Dutch website directed to expats), and include my personal costs for health insurance.

Spoiler

In contrast to many other European systems, the Dutch government is responsible for the accessibility and quality of the healthcare system in the Netherlands, but not in charge of its management. The Dutch health insurance system is a combination of private health plans with social conditions built on the principles of solidarity, efficiency and value for the patient. Healthcare in the Netherlands is funded through taxation: mandatory health insurance fees and taxation of income (pre-specified tax credits). Health insurance in the Netherlands is mandatory if you are here on a long-term stay and is designed to cover the cost of medical care. 

There are two main costs that you need to pay for your Dutch health insurance:

  • The monthly premium (premie), a fixed fee that is deducted from your bank account each month.
  • The "own risk" amount (eigen risico), which is an annual amount that you must pay out of your own pocket for some treatments and medicines before your health insurance will cover the rest. In 2019, the eigen risico is up to a maximum of 385 euros. If you do not have any medical costs in a year then you pay no eigen risico.

There are two types of health insurance in the Netherlands:

  • Compulsory basic insurance (basisverzekering)
  • Optional additional insurance (aanvullende verzekering)

The basic package in the Netherlands is compulsory and provides the same basic health coverage across all insurers, as it is set by the government. Basic health insurance costs around 100 euros per month and covers:

Appointments with your doctor 
Stays at the hospital, surgery and emergency treatment 
Ambulance services and patient transport 
Medicine prescriptions 
Blood tests 
Dental care for children under 18 years 
Limited dental care for adults over 18, restricted to dental surgery, dental x-rays 
Mental health care
Appointments with medical specialists such as dermatologists, allergists or internal specialists 
Pregnancy, birth care and midwifery services
Maternity care 
Handicapped care 
Aged care 
Nursing on location 
Some therapeutic services such as speech therapy, occupational therapy and diet advice
Physiotherapy for chronic disorders, covered from the 21st treatment onwards

It is important to note that for most of the above services you will need to cover a portion of the costs via your annual eigen risico amount (up to a maximum of 385 euros). Services which do not require an eigen risico contribution include:

Appointments with your doctor
Dental health care and physiotherapy for children up to 18 years
Pregnancy, birth care and midwifery services
Maternity care (kraamzorg), however you need to pay a separate hourly rate

You may also need to take out extra coverage for additional medical treatment. This is where private health insurance providers (zorgvezekeraars) compete to offer policies that are best tailored to your health needs and lifestyle. There are many health services that are (partially) covered by additional insurance, examples include:

Dental care for adults over 18 including dentist check-ups, fillings, hygiene, cleaning and dental implants
Emergency health care for travel abroad
Alternative medical treatments such as acupuncture, chiropractic, homeopathy 
Vaccinations 
Contraception 
Glasses and contact lenses 
Hearing aids 
Plastic surgery 

Children under 18 must also be insured, however their insurance cover is free, with no monthly premium and no eigen risico. Children can usually be covered by the insurer of their parents, however it’s also possible to choose other providers. The first month after a child turns 18, they must start paying their monthly premium. Newborn babies must be registered for health insurance within four months of birth.

 

--------------------------

Personal health insurance picture:

Monthly payment for compulsory basic insurance + additional insurance €141.70. This amount is on the higher side of insurances but this is because I have chronic illness and therefore always opt for an extensive additional insurance.

Because I have a low income (in fact I receive my monthly income from the government due to being disqualified to work due to chronic illness), I receive a monthly healthcare allowance of €99,-

This makes my monthly total 141,70-99= €42.70

In order to have my "own risk" of €385,- covered, I use the option to pay 10x €38.50 in a year. If at the end of the year I haven't had to use (all of) my own risk, I get the remaining amount back from my insurance. Note that this isn't something everybody does, a lot -if not most people- just pay their own risk when faced with it. 

 

-------------------------

I hope this has been helpful!

 

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Iamtheway
11 hours ago, BemusedByFundamentalism said:

Every time I hear or read about the health insurance 'system' in the US, I get so angry and sad. I know I am preaching to the choir, but it is just mindboggling to me how the country gets away with this.

I totally agree! Just like you I feel things are going downhill in Sweden, but reading about how things work (or more often not) in the US I am so thankful for the healthcare we have. 

I pay nothing for insurance and I don’t think I have ever paid more than 35 dollars for a visit to the doctor. I would never hesitate to call an ambulance or make an appointment if I found it neccesary. Dental care costs more and isn’t   subsidized in the same way. It’s free for kids though.

We have an additional insurance for our son that will pay out some money if we have to miss work and stay with him in the hospital if he’s sick and where he can also get a payout if he has any lasting injuries. My parents had a similair insurance for me that paid out some money when I had to have advanced hand surgery in my teens. It wasn’t a huge amount but for a 19 year old fresh out of school it was a fortune! We paid nothing at all for the actual surgey or the physical teraphy I needed after it. We were even compencated for the travel we had to do since the surgery had to be done in a better hospital then our local one. 

It angers me so much that so many people here take all this for granted and is voting for parties that wants to make cut backs and lower the taxes. It’s shortsighted, selfish thinking and tearing down what have taken generations to build up takes basically no time at all. 

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Baxter

I agree the US system seems crazy. Our system in Canada definitely has its flaws. But I don't have to worry about medical care costs. Both my kids have had sinus infections which has resulted in three visits to their pediatrician over the last few weeks. I can't imagine having to think about paying for those or trying to holdout so we don't incur those costs. Prescriptions aren't free here. We have good coverage for that through my husband's work. However I know from when I was single that there are pretty affordable plans out there. 

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meg9410

Considering the episode on Counting On last night about the whole debacle over Jinger wearing pants and Michelle saying she doesn’t really care (yet Jinger is crying and you can kind of tell Michelle cares) I wonder if Jill talked to Michelle before she got her nose piercing considering Jinger asked Michelle and Jim Bob first. After that Jill probably figured it was okay to wear pants but I just wonder what Jill might have told Michelle and Jim Bob.
I bet they’re distraught that their perfect Jilly-Muffin has turned into such a “heathen”. Doesn’t seem like Jill hangs around Mom and Pops or any of the other children other than Benessa and Turdanna (sometimes).

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Smee

I was talking to a friend yesterday who had twin daughters born at 27 weeks with IUGR. The girls are now 5 and doing well, but she was saying how this week she has appointments with a nutritionist, ENT and paediatrician, then next week sees the ophthalmologist and physiotherapist, along with their regular weekly appointments for speech therapy and OT. The conversation was in the context of how busy she is and how she has to manage the information and advice from all these specialists, but I commented that I can’t imagine what would happen if she’d had those girls in America instead of here. She said they’re called “million dollar babies” for a reason. I really don’t know special needs parents in the USA avoid homelessness.
 

A couple of years ago our stupid conservative government tried to introduce a $10 co-pay for visits to the Dr (it’s worth mentioning here that many doctors don’t “bulk bill” meaning patients already pay and aren’t fully reimbursed by Medicare) and the country was livid. Support for the government plummeted and that policy never made it through the senate. The government leaders were supposedly shocked at what they saw as an overreaction to a small cost, and said a bunch of offensive things about how it’s “the price of one beer at the pub” to imply that the people who would struggle to pay it are all spending their money on alcoholism. But the opposition party was quick to claim it was part of a longer-term plan to chip away at universal healthcare and the co-pay would quickly rise. More to the point, when people skip health care to save money, that affects early detection and treatment rates of serious illnesses and it costs us all a lot more in the long run. I know a lot of Americans would LOVE to only pay $10 to see a doctor, so it’s hard sometimes to not feel like an entitled brat when fighting against this sort of stuff, even if our reasons are logical and good.

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