(Table) IAmA - I'm A 60+ Year Old Man Who Went Back To College To Get Student Health Insurance. in 3 Short Years, I Have Saved o

[Table] IAmA: I'm a 60+ year old man who went back to college to get st...
http://www.reddit.com/r/tabled/comments/xkkml/table_iama_im_a_60_ye...
[Table] IAmA: I'm a 60+ year old man who went back to college to get student health insurance. In 3 short years, I have saved over $45,000 in premiums. Oh yeah -- AND I have diabetes and an artificial knee! AMA
( self.tabled ) submitted 6 months ago* by tabledresser
Verified? (This bot cannot verify AMAs just yet) Date: 2012-08-02 Link to submission (No self-text) Link to my post Questions How is that even a problem? the goal is to allow 60+ to continue their education in the hopes of a better educated population. He's doing exactly what that policy is designed to facilitate. I dont get why everyone is so butthurt by this. Zing! Answers Okay I admit it. I am not seeking a college education. I am just going for the insurance and it saves me $15,000 a year-enough to pay part of my son's college education. And he does have a future. Because he doesn't complain all the time.
Neither do I. But they can kiss my ass.
I must have hit someone's target. The only hope I see on this AMA is that 60% of the people at least support my viewpoint. The other 40% think they're brilliant but show a total lack of understanding about what I have done. Yes, I got a B.A. in sociology in 1971, then became a songwriter with my degree. I study radio and TV now only because that is what my career was in, so the classes would be easy for me. Little did I know I had to take some pretty hard
Respect to you, sir, for outsmarting the system and continuing your education. Did you go to college in your younger years? What did you study? What do 1 of 23
2/6/2013 6:40 PM
[Table] IAmA: I'm a 60+ year old man who went back to college to get st... study? What do you study now?
some pretty hard required classes, but I managed to get through them better than I did the first time around. Fact is, I am presntly Valedictorian of my college class, a far cry from my 1.8 average back in 1970. I mean this time around I think iI have discovered I really could have been anything if I had applied myself. Life lessons. Damn, it's too late for me, but not for you. Take school seriously the first time around and you may be able to afofored health insurance the regular way when you are older. I is a professional writer. you? Well, there is plenty of other stuff I'd like to do this late in the game, but though you offer hope, it is kind of senseless to go to law school or medical school now. But if you're offering me a chance for employment, continue on. If you think writing and answering on reddit is lazy, you don't know the meaning of the word As for the fact that I do not place periods at the end of my sentences, it has nothing to do with fingers too lazy to reach down to the . on the typewriter.
Lern two speling. It actually is NOT too late.
You are just being lazy. Apparently 2 of 23 You must be a young
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... Apparently the OPs collge tuition is $6500 per year. Now correct me if I'm wrong, but this would imply a state school, correct? Which is subsidized by the taxpayers. So we're still paying for his health care and tuition. How the hell is it legal to do this? Edited. Never met a man your age who types this fast. What's your major?
You must be a young person not living in the real world. As I explained I spend under $6,000 a year or so for tuition and insurance. My old premiums were $25,000 a year, with a $2,500 deductible. Now my deductible is $250. All of you people should go to college. Maybe you'd learn something, like how to figure out what I figured out.
My major is irrelevant. I spent most of my career as a writer. Before that I was a typewriter repairman. But I lost my job in the 80s. If you touch yourself like your user ID implies, maybe you should think twice about giving people who are far smarter than you advice. Oh, and let's see what history shows....Carter? Great economy with 21% interest rates. Clinton? Oh, yes the dot com meltdown. Sometimes you gotta experience history, fella, in order to really understand it. Platitude? Don't you mean Platypus, big mouth. You're over-thinking, young man, not something most people your age are guilty of.
You will be long gone, but in the meantime you could do what so many of your generation refuse to do, and learn about what you're talking about.
Then you can open your mouth and something that isn't a platitude or reaction can come out. It 3 of 23
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... come out. It could be an educated opinion based on more than knee-jerk reaction and "sounds about right"-ness. Wisdom and common sense are weasel words for "this seems right to me, based on gut reaction." Carter was over thirty years ago. Clinton did have a dotcom bubble burst under him. He also was a pretty fiscally responsible, and left office with a budget surplus.
Yeah, a budget surplus that was the result of a dot com bubble that featured almost full employment, large raises, annual bonuses, stock options, and since everyone paid their taxes on all this wealth, a paid-down deficit. And then the bubble burst, only to be replaced by a housing bubble to help get the economy moving only to have that bubble burst. Now permit me a second to clarify matters. I am not being condescending towards you, I am actually insulting you. Finally, better to be buried in the dirt than to be a dirty, filth-mouthed wise-ass piece of young crap who is nothing but a piece of trailer trash who can do nothing but complain about all the poor injustices you have endured in your life. Again I may be buried in the dirt, but while I lived, I never wallowed in self-pity. I dunno. Maybe I've been too hard on you. What do the people on here think? Do you agree
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think? Do you agree with this person? Or with me? And if you agree with me, you're welcome to attend my funeral. A word to all the people on reddit who read this. If I should end up murdered by one of the nuts on this site, please suspect mytouchyourself, first. And make sure I wasn't sexually molested, he seems to like to touch himself I believe in perverted ways. The tone of your posts a type of condescension reserved only for the elderly. This world will be better when you're under the dirt. Do you have a link to this story? Did it work out for him? Everything worked out. I got coverage, took a few classes that were fun, saved a ton of money, and am about to go on Medicare. Not bad for a day's work. It is unfixable. We have created a society that is folding in on itself. The whole system is based on trust. It's the fabric of society. And it is now beginning to unravel because there are people who just don't agree with one another without understanding the American system. Remember, it is not just majority rules in this country. It is also about protecting the minority position. That is what our system is about--compromise. If
Its good to know we understand the problem. Now if only we could fix it.
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about--compromise. If either side just tiries to forece things down the other's throat, the shit will eventually hit the fan. It's a big country, people. An everybody, I mean everybody, deserves to have some stake in it. Why the fuck are you assholes downvoting him, just because he believes in a God doesnt mean he should be downvoted. At least he has logic and reason and it isnt a god of Religion. Seriously wtf? When did you realize you can do this and get relatively cheap health care? My guess is you're the son of the actual father who is doing this and hence your defensive responses. How close am I? I realized this when my own son was going to college and I got him student health insurance. Then when I faced my problem I said to myself one night as I bolted out of bed--if my son can get this insurance, why can't I? The next morning I called up the school and found out I could.
You're off. This is me, not my son. I am not defensive in any way. But when people use dirty language I have to call them on it. The Boomers did not create the mess, the government did by spending way too much money on programs and on public pensions. It is not my fault. I vote for people who are trying to clean up the mess, instead of handing it off to the next generation, which includes my own children. But at least they are smart enough to fend for themselves, something the previous writer is apparently unable to do. Because you cannot swear at other people and expect to ever get
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expect to ever get ahead. You'll just be a sorry loser, always blaming other people for your own lack of talents. Harsh. You bet. Defensive. In no way. What I am doing with student health insurance does not affect that gentleman (sic) in the least. WHERE'S THE PROOF? Do you openly admit this in real life? I mean, is it legal or do you have to fake to be willing to get a degree to be allowed to go on with your studies and keep your insurance running? (European here, not the most aware of your educational system) There is federal (ie, presumably taxpayer?) funding for university loans (which this guy has, having mentioned upthread that he hopes to get written off through death before full repayment). If many people with complex health problems sign up to a program, the cost of it increases. The way to cover 7 of 23 From MOD below.
I'm telling you aren't I?
Translation: I will pay my loan off. I have no intention of continuing to take classes so I never have to pay it back. It was a joke people. I was just trying to be funny. Don't any of you people here watch Curb or Louie or Seinfeld, yeah Seinfeld, good one. I was just trying to be like George and realize it was possible not to repay my loan, not that I actually would. But then the jerk store called and said they were out of you. And so now just to get under your skin, I really will stay in school to the
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way to cover increased costs is to raise premiums on group members, and the healthy (ie the majority of students) subsidise the health needs of those with greater issues (the OP, but also a minority of non-mature students) because that's usually how insurance works. You don't just charge the ones with medical problems the actual cost of their care, because that's not insurance...but it means that they are likely to be raising the premiums for those who do not need much healthcare in comparison, are they not? Hey, you can't get under my skin. I live in a country where diabetics receive all (including non-diabetic) medication for free, and therefore am also not paying for your student loans. So don't stay in school just to annoy me ;)
stay in school to the day I die and I will pay for all this with your student loans. I am getting nasty I know. But I am losing control and my BP is going through the roof. Covered courtesy of student insurance.
Yeah, all you kids out there take note: The reason this guy gets all his meds for free in his country, because we all pay full price for it here, then the pharmaceutical companies, max their profits by selling their drugs to whatever country they can for whatever the market will bear. In other words, U.S citizens are subsidizing these jokers. And then they stick their tongues out at us and tell us how
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... at us and tell us how their health care is better than ours. How do you feel about the failure of our health system? and the people who truly believe that universe healthcare will be a detriment to our care. I am not political, just poetical.
Oy. If your health worsens....will you go for a PHD? Now that might be the funniest comment I have gotten here, but no need for a PhD. I go on Medicare in December, so I can put my school days behind me forever, as well as my Adderall use. What are you, a comedian? But in all seriousness, why should I pay extra to take PhD level courses when I just take undergraduate courses for half the money and still get the insurance. Though, in all seriousness, one of my professors asked if I would teach one class with him next fall. SuperPACs??? What are the ???????'s for? Do you question the power of the SuperPACS? Huh?
Do you mean Walter White just had to go back to school? He would have loved that. So, are you going for free or 9 of 23
I was an idiot my first year and paid cash for
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... going for free or are you taking grants and loans?
year and paid cash for it. Then I got wise and started to take out FAFSA loans. They not only paid for my tuition but covered a good part of my insurance premium. I don't hvae to pay the loans back until I graduate, but I did the math and if I continue with school until the day I die, and leave nothing in my estate, I can get free health insurance for life and maybe get edcueted oot. ;) No, but I'll take that as a complement, tho if I get some plastic surgery to make me look like him my policy will cover it, as long as injuries are sustained in a car accident.s ;) I wish.
Are you Jimmy K?
I don't think we're talking about the same Jimmy K. You're not In my pool. We are nit all in a shared pool. I dint even know who your provider is. Your posts make you look retarded. All of the preceding comments are facts. Hope you get up and feel better soon. Because those seeking an education before the age of retirement, are not retired 10 of 23
Who is yours?
I dint know that Mr. or Mrs. Appalachia, first cousin of your Aunt Tiffany, age 26.
Thank you for your kind support? But are you calling me a dead beat? Don't worry. I bet at some point our generous government
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... are not retired and thus bare the potential to graduate and work. The younger the student the longer they have to pay off their debts. Now this is an issue when tuition is set for a considerable profit. This should be less of an argument questioning the motives of free education, and more of an issue with the general cost of education. No matter his motives, you do not lead the same life or lifestyle that the OP does. You do not know his expenses, all of the factors of his reasoning, or his history. I fail to see how the cost of his education is the part that matters. As someone that has been denied insurance from a number of providers since I am unfortunate enough to have a pre-existing condition. Our healthcare system needs an embarrassing amount of work. I am happy that the OP is alive (and hopefully well), the schooling might be free but I am more than 11 of 23
generous government will forgive all student loans, just iike they offered amnesty to Viet Nam draft dodgers. Just wait about 10 years and everything will be okay. Or hope that the economy collapses again and all money becomes worthless. Then you can pay off all your loans with cheap dollars.
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more than willing to bet that he pays for the decision with his own time. Can you imagine defining the schedule of your life, to attend school in old age, for the opportunity to visit the doctors and not have to lose an arm and a leg in their office? Did you get the knee surgery while on student insurance? What are your premiums? No, I got it years ago. But my annual premium is $2,200 a year, plus $125 a semester for university health services. All this and a $250 deductible to boot. Tell your mom and dad about it if they have trouble with insurance. But there is a lot more to this story, because along the way I learned how to save even more on my policy. That's because some people think it is unethical and immoral that I should get health insurance that is affordable. Now, will everyone please turn off their cellphones so I can watch the rest of the movie in silence. And no texting here either. Please, please, please, vote for me. Vote for me. I promise to use all my ingenuity to fix things, just like how I solved my own personal health care crisis. I also solved the area code shortage crisis, and the dry nose
Can't recall the last time I saw reddit so butt-hurt over a AMA... can we just keep the focus on the movie, please?
I'm a boomer and I hate the mess that my generation is leaving for those that follow. But, as a factual, business matter, what the OP is doing is not 12 of 23
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doing is not costing you a dime. Seriously. Not one dime. And to the people who upvoted you, I have a question. Are you registered to vote? If not, why not? No excuses accepted. Are you Bruce Wayne?
crisis, and the dry nose syndrome crisis facing this country. And I can help you, if you give me a chance. But we got to do it fast, before my toes get amputated. Seriously.
Just saw the movie and it was sad. But if I were Batman I would want to be the batboy of the Yankees. Go, go, go, MH. Let them have it. I'm pretty big--250 pounds--and i failed lots of times before i got things right. Are we talking insurance industry here or penises?
Tl:dnr Fuckin Zombie Class. Is it 'too big to fail?'
Are you my old boss? (Did you ever run a honey farm?)
Were you once my employee, who was kind of sweet on me from all the honey on my face? You are laughing out loud hardly. Or you hardly were sweet on me. Listen, if I were a woman I wouldn't like me either, though I do have a few charming characteristics. ;) The key word there being few. Thanks for the kind words. I needed a few after reading some of the hate-filled writings directed at me. Honest to God, I don't think
Lol hardly.
Your English is far too good for you to be my old boss. Sorry :P.
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to God, I don't think people know sarcasm anymore. It has been my pleasure to communicate with you. I you :) Are you Pierce Hawthorne? ...that sounds exactly like something he would say. I just explained why it's expensive. Did you even read my comment? Can I go with the $80k? It seems much cheaper than the $120k I shafted myself with. Do you go to private college? You do men? Will you be my BFF? No.
It's both expensive and inexpensive depending on whether you are a student? Or which school you go to. I tell you life isn't fair. Start all over again. My way is better. I thought for myself instead of being a follower and I ended up way further ahead.
Yes.
If you are asking me if I believe in gay mariage the answer is yes. But I also believe in heterosexual marriage between two people of the same sex, too. No, it's SAD.
Government spending money wisely? LOL. It's not his fault that our system essentially forces people to cheat or mortgage themselves simply to be given treatment 14 of 23
I am not cheating on my insurance or in my classes. It is all above board. /you people are just all plain wrong. And you're thinking is frankly convoluted. Except for you last commenter. I liked what you said about my
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... given treatment that allows them to live.
what you said about my diabetes being serious, even if the so-called health economist on this site claims I am a fraud and a liar who is embarrassing himself. Hey, what about feeling sad for me? I think I deserve a little sympathy too. Instead of being called a cancer om this site. Covered by my plan by the way. You are now my best friend forever. Or BFF. BRB.
I can't help but feel bad for the poor guy.
Believe it or not, I actually do feel sympathy for you. My issue is not with you, but with the system that forces people into situations like that. I guess I probably should have said that yesterday. There is no such thing as "the insurance's money". It's the other insured peoples money he is spending.
Am I not entitled to rip you off? I mean am I not speaking to the generation that likes pirating, downloading music for free, generally stealing from society? The worse thing I ever did was steal a candy bar wehen I was a kid and look what happened to me. I got adult onset diabetes. Let that be a warning to you cheaters out there. Oh, so the student who gets meningitis or mono or freaking out from drugs aren't driving up my costs? C'mon, insurance is for everyone. It's a shared expense by society, at least that is what
No, they will have to pay more. That's how insurances work. Please see here.
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least that is what Obama says. And you will be paying for everyone's pre-existing conditions when Obamacare totally kicks in in the next few years. Then who you going to vote for? Jeb Bush? You still have no idea how insurance works. And you have no idea how statistics work. Keep on trolling. My dear, dear unknown person,
I do understand insurance. And I have taken courees in statistics and probability theory and I worked in marketing for years. Your refusal to believe me indicates you are one of those people who thinks Oliver Stone is a history teacher. I believe the OP went to school for free due to being over 60. It depends on the area and school for starters, but it's a very common policy. I don't really get why it should be free for people over 60 when people under 60 have to pay a shit ton of money. No I paid.
It isn't free for people over 60. They haven't gone on Medicare yet. And even Medicare isn't free, though every liberal thinks it is. It has premiums, too. About $100 a month for Part B, about $200 a month for Part D, and about $25 a month for prescription drug plan. All in all about $3,000 a year per person. That
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a year per person. That means in a few years my wife and I will be paying almost $6,000 a year for our Medicare. You young college students with your insurance have it easy. Oops, wait. I'm one of you, but I won't be for long. Start Medicare in 3 months. Damn Medicare, you're making my health care costs go up. Especially considering returns. A fresh faced person with a degree can contribute far more back into society than a 60 year old with a degree. Let's see if you contribute in your life even as much as I am on this site. I am offering people a way to save a ton on their health care costs and being criticized for it by you. Besides all that I doubt if you will contribute more than I have in my working years and continue to do so. I am a published author and people enjoy the stuff I write. Let's see if people one day say the same thing about you. Right, that's why college graduates immediately find six figure jobs, because they contribute so much. Old people talk too much in college classes. Oh, God, you're right. I didn't shut up in any of my classes. I will move to the back row for my next class and remain silent, just like I did in fifth grade. (Insert 5th grade report card here) It says Ricky seldom contributes in class. Maybe that's because my teacher forced me to sit at my desk placed in the corner by him and facing the wall.
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and facing the wall. And you kids, think you have it tough today (twitching eye tic goes here) Because there are FAR less 60+ year old people wanting to go to school. Basically it comes down to money. That's exactly what I was thinking. Wonder if anyone can shed some light on that. It makes the world go round, young idealist.:)
I am saving over $15,000 on a year on my premiums by going back to school for student health insurance. Gee, with the money I'm saving, maybe I should contribute it to the government for making me the success that I was. Ha ha. Are you mocking me or pre-judging the way I'm going to vote?
All the more reason to make sure they're well-educated! Old people vote.
You mean we count for something? Why thank you, young person. I contributed little in class. I just took the money I saved on insurance and partied hard on weekends, ;)
Well, part of education is learning from your peers and classmates. A 60 year old classmate could conceivably be part of richer learning environment. So, the fresh faced people will thus contribute more than if they were all clones. Because a fresh faced 18 of 23
A wise man once said, "I want to die owing
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... fresh faced person has decades to pay back a huge loan. an old person just dies.
"I want to die owing American Express $100,000." I say, "I want the net generation to pay for it, so I can live big now." Hey, if my generation is going to be blamed for the younger generations problems I might as well actually do what they say I am ding, right?
Not going to lie i'm a bit confused by this.
One day you will have the wisdom to see truth as I see it. Until then, just party on and forget about it. You speaking to me?
"because a fresh faced person has (a greater probability of) decades (to live) to pay back a huge loan." Why do use periods but don't captalize the beginning of sentances. Curious. Cool story bro. Degree in science right now (double major chem bio). Part time job to complement study with cash. They will probably bump the retirement age up by the time I get there so statistically speaking, I will contribute more than you when coupled with higher life expectancy.
I know, but at least you'll live long enough to probably have a dozen careers. I only got to have five-singer/songwriting, advertising, network news producer, documentary maker, video production company owner and professional storyteller. It's been a ride. But I always wanted to be a professional baseball player, and now there's no chance.
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... expectancy. Because Mr. 60 year old has already paid his "returns". Schools usually only allows seniors to sign up for classes that have openings after all the regular students have signed up. They still need to buy books and all that. You can't say that and not elaborate. (What this person is saying is 100% false.
What I mean to say is that I am able to get into any class i want as much as any student can. They do not age discriminate. I am a regular full time, degree-seeking student in the School of Continuing Studies. But I can take classes during the day, too. But I get a senior discount on my books, one of the advantages of AARP membership. Hope this clarifies. My tuition is not free, I took out loans for it. And I will have to pay those loans back once I leave school to go on Medicare at an outrageous 7.8% interest rate. ONCE AGAIN PEOPLE. MY TUITION ISN'T FREE. I PAY FOR IT WITH STUDENT LOANS. HOW MANY TIMES DO I HAVE TO SCREAM THIS OUT. NOW WONDER THE AVERAGE COMPREHENSION SCORE ON TODAY'S SAT'S ARE SO LOW.
Me neither, but if that's the program he's in, it's not his fault tuition is free.
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There do seem to be a lot of bozos talking shit. 64 isn't ancient. My grandfather is 89, and only finally retired (for real this time) a year or do ago. You likely still have enough life left in you to surpass the amount of years many of these bozos have currently been on Earth.
I hope so, but one never knows.
What's that you say? I had a professor who received her PhD at 68 and was teaching, after she got it. He is taking a class seat away from a student who will actually be able to take those skills into the workplace. I don't see this as a major issue, but surely it should be considered as a con to the program. Depends on the school policy, some of them that offer free tuition for older students also require them to wait until after the paying students have registered. 21 of 23 Boy, was she dumb. Or the school that hired her was. Don't you know that people my age know jack shit.
Sorry, but I was always taught that college wasn't for working. It's education for education's sake. Or to put it another way. A mind is a terrible thing to waste. Or since I have diabetes, let me put it this way. A waist is a terrible thing to mind.
Sorry to pop your balloon, but tuition is not free for anybody. Even old people have to pay, just in 1960 dollars. So that means if I were living in a time warp fantasy, I would only pay $135 a semester for tuition at a state school.
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... have registered.
a state school. Counting for inflation, that would be close to $1,500 a semester for tuition. What's that you say? You pay a lot more than that now. Sorry, but I'm not one of those college presidents making a corporate CEO salary, like most of them do these days as they continue to call themselves educators. I guess it does 'cause they sure charge me, but I: am actually enrolled as a degreeseeking student.
So your school has a different policy. I know schools that give reduced or free tuition to people 60+. I would definitely agree to that system, but the OP has not really clarified the policies he went through at his particular institution.
That's because if I gave out my real name and real story on this site, all the angry people would come after me with sledgehammers. Or at least with video games that allow them to swing animate sledgehammers. If I did, nobody would listen to me anyway. This generation can't hold its attention on anything for more than a few minutes. So there is no use trying to explain exactly how I did it.
Think about that policy for a moment. It encourages older people to get a good education, and as a side benefit they also receive health care. But hey, if you're 20 years 22 of 23
Wow. Now that is someone close to my heart, even if they do sound like an ass. Do I sound like an ass?
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[Table] IAmA: I'm a 60+ year old man who went back to college to get st... you're 20 years old and want an education and health care, SCREW YOU! You have to build up $80k in debt for THAT privilege, buddy. OP said that he paid his own tuition.
Yes, I did the first year. The next two were loans, that I will be paying back. Well I took astronomy, english, spanish, etcc....not basket weaving. And I go to a respected major uniiversity.
Free or reduced tuition classes are often "community education" classes like organic gardening or into to jewelry making and do not qualify one for student services. Yeah, and the costs outlaid on him will be reflected when the price for that plan for that school goes up. Insurance companies dont exactly like giving money away and taking losses.
What about the shared sacrifice democrats always talk about. Aren't you willing to participate in the program, kid?
Last updated: 2012-08-06 15:16 UTC This post was generated by a robot! Send all complaints to epsy.
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(Table) IAmA - I'm A 60+ Year Old Man Who Went Back To College To Get Student Health Insurance. in 3 Short Years, I Have Saved o

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[Table] IAmA: I'm a 60+ year old man who went back to college to get st...

Neither do I. But they can kiss my ass.

Lern two speling. It actually is NOT too late.

You are just being lazy. Apparently 2 of 23 You must be a young

I'm telling you aren't I?

I was an idiot my first year and paid cash for

Are you Jimmy K?

Tl:dnr Fuckin Zombie Class. Is it 'too big to fail?'

I can't help but feel bad for the poor guy.

A wise man once said, "I want to die owing

Not going to lie i'm a bit confused by this.

I hope so, but one never knows.

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