Health Insurance, HELP!!!!

This is a discussion on Health Insurance, HELP!!!! within the Bob & Terry's Place forums, part of the The Back Porch category; Originally Posted by tclance Hey Everyone, Im recovering from my 2nd hip replacement. Unfourtunatly when I got home from the hospital last Friday I had ...

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Thread: Health Insurance, HELP!!!!

  1. #16
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    Quote Originally Posted by tclance View Post
    Hey Everyone,
    Im recovering from my 2nd hip replacement. Unfourtunatly when I got home from the hospital last
    Friday I had a certified letter from the company I work for waiting for me. Apparently 20+ years of service
    dose not count for anything anymore and I will be terminated 3/12 because the injurys have kept me out of work for 1yr. They redirect you to Cobra. $1800 a month for insurance!!! Started calling around and that was cheap compared to some of the other quotes, or got turned down because of pre-existing conditions.
    I was just wondering if anyone might know of a reasonable insurance company. Any help or advice would be greatly appreciated.

    Regards,
    TC
    Something else I forgot to mention in my original post that may help you out. If you owe the hospital money for your surgury that was not covered by your insurance, you may be eligible for financial assistance from the hospital. Many hospitals have financial assistance based on income and eligibility requirements. Not all do, but many do. They generally prefer patients apply before procedures, but it is worth asking their billing office if this applies to your situation. Good luck!

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  3. #17
    Member Array upnorth's Avatar
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    I couldn't agree more, this thread seems like a democratic,socialistic rant for OBAMACARE, gag,choke,puke,
    If you want the government to take care of you then go on welfare and join the 51% of US population currently enjoying Obama's handouts. He is counting on that to get re-elected.I have gone years w/o insurance and will be dammed if I become part of the problem and hold my hand out for the so-called entitlements he promises.I am done ranting,
    Quote Originally Posted by Oldfart60 View Post
    I thought everyone on this forum was against any kind of government involvement in health insurance (except me, perhaps). Isn't this socialism? I am not making fun of any of the posters who are having health insurance problems. We DO need national health care insurance for people like you, but we won't get it if you are going to vote Republican. Don't want to upset those rich insurance companies that are filling their coffers. I thought the purpose of government was to look out for the health and welfare of the people. Can't we agree to do this without putting labels like socialism or communism on programs that will help our country's people? Just my opinion, not looking to start a fight. I wish the best of luck to all those having health insurance problems.
    bolocanolo and msgt/ret like this.

  4. #18
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    I couldn't agree more, this thread seems like a democratic,socialistic rant for OBAMACARE, gag,choke,puke,
    If you want the government to take care of you then go on welfare and join the 51% of US population currently enjoying Obama's handouts. He is counting on that to get re-elected.I have gone years w/o insurance and will be dammed if I become part of the problem and hold my hand out for the so-called entitlements he promises.I am done ranting,
    I don't believe anyone here is asking for the government to fix their lives or give them anything. I think there are concerns expressed and some solutions or opportunities offered as possibilities. The health care industry has some significant challenges, as well as the insurance industry, and we would all like a solution that results in quality healthcare at affordable prices.

    Since you have chosen to not insure your health, I certainly hope you never suffer a catastrophic illness or continuing health condition of any magnitude unless you have built up significant financial reserves. Otherwise, you will be a burden to someone that has to pay for your condition, whether you consider that a "hand-out" or not. As an individual with a high-deductible plan I abhor those those that game the system as I pay their rate-shifting fees and charges. You are obviously healthy enough now, but I do wish you the best in the future. Statistically, you are going to cost all of us plenty unless you die early. I am done ranting.

    BTW - welcome! I like your Governor too.
    Hopyard, zacii and msgt/ret like this.

  5. #19
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    There's two kinds of people. Those with health insurance, and those who either wish they had it or will in the future wish they had it. Only the extremely wealthy can afford the risk of doing without.

    Our OP gave a perfect example of a common problem which besets huge numbers of Americans. If someone here thinks that is good for the country I can't imagine why.

    I'm not going to say more since I don't want to muddy the memory of the folks this forum is named for; especially Terry who was a fine gentleman as far as I could tell through the clouds.

    Let's keep the politics out and the heart felt wishes and concerns and prayers in.
    If the Union is once severed, the line of separation will grow wider and wider, and the controversies which are now debated and settled in the halls of legislation will then be tried in fields of battle and determined by the sword.
    Andrew Jackson

  6. #20
    Member Array eeeZnow's Avatar
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    I don't know where you live or if there is something similar in your state, but I joined the Ohio Farm Bureau and got my husband and kids' insurance through their "group" plan with Med Mutual. I work for a small company and the premium through work went to $1035/mo (not including me as it's paid by the co). Anyway, it's about $280/mo for a high deduct plan for spouse & 2 kids (same as work). ymmv
    The only thing I regret is not knowing about it sooner. Oh and you don't have to have a farm, anyone can join.
    "They have gun control in Cuba. They have universal health care in Cuba. So why do they want to come here?" ~ Paul Harvey

  7. #21
    Senior Member Array DoctorBob's Avatar
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    Der TC and Sigg35seven,
    For both your sakes, I hope the Supremes uphold the ACA. If they do, you will be able to buy insurance without concern about your pre-existing conditions, in the state run exchanges. There are now 50 million Americans without insurance and many of them are suffering severely with both chronic and acute illnesses. Our current medical system is quite good in some ways, if you can afford it. If you can't afford it, you are, at some time in your life, going to be in deep doo-doo. You will hear LOTS of untruths about this law; primarily, I think, because some people want to use it as a club agains Obama. It was written by Congress and represents a genuine sea change in the way medical care will be delivered. Let me tell you that as a practicing physician, every day that I'm in the office, I see people who are made worse, kept ill, suffering and even occasionally dying because of the inequities in our medical care system. We desparately need change.
    Sig35seven and Hopyard like this.
    'Guerir quelquefois, soulager souvent, consoler toujours.'

    "Socialism never took root in America because the poor see themselves not as an exploited proletariat but as temporarily embarrassed millionaires." (John Steinbeck)

    Good health actually just means dying at the slowest possible rate.

  8. #22
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    Why weren't you on FMLA leave. That would have saved your job.

  9. #23
    Senior Member Array tclance's Avatar
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    Michiganccw,
    That was the first part or short term disability that I was on. The company actually counted the first twelve weeks that I was on FMLA twards the first 6 months of my short term disability. This is a pretty good size company Snyder/lance (those little orange crackers)and as company policy states they have the option of keeping you or fireing you after 12 months. I guess to them it was cheaper in the long run for them to terminate me as they can hire someone for half of what they were paying me.As I have stated no hard feelings. Experience and dedication mean nothing anymore. Its not a big deal as I have my own disability policy and receive almost the same pay as if I were working. Just was not figuring another payment as high as my house payment for health insurance. if anyone is in the same boat as my wife and I with pre-existing conditions, go check out healthcare.gov. They help people with pre-existing conditions. It is NOT FREE and priced according to your age.You have to be without ins. for 6mths and have been denied because of medical conditions. God knows I dont want anything for free let alone have to depend on the gov. for help. The way I look at it is I have paid an enormous amount of money into a system that I will never get enough back out of it before I die.
    TC

  10. #24
    New Member Array SGTDave's Avatar
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    Throw my hat into the ACA ring

    I am very strongly pro-second amendment, and generally pro-capitalism, but I also recognize a need for change to our health system. Call it socialism if it makes you happy. It is hard to argue with the success of public/private hybrid systems in other democracies- Taiwan, Austria, Germany, etc.

    A few weeks ago a hospital chaplain friend called and asked me if there was anything the army would do for an unemployed guy who had no insurance, who did 4 years in the army, and whose wife was almost killed in a car accident. They were on the hook for $104,000 after the helo ride and the first couple of days of care.

    I told him that the only person that can help that family is a good bankruptcy attorney.

    Also, the one time I visited a civillian clinic and whipped out my Tricare card (which was administered by Humana), the walk-in clinic and Humana went back and forth demanding forms, and saying they never received forms. After many calls and several hours on the phone, I just gave up, telling the clinic that they could work it out with Humana, if they wanted to be paid. This was about $150, mind you. How many hours did these people spend talking, faxing, typing notes...? Then the walk-in clinic sent a collection company after me, of course, but they made the mistake of giving the collection agency information which violated HIPAA. When I brought it to their attention the whole thing went away.

    We spend over $7000 per year, per person on health care, and 30% of that appears to go toward paying the insurance companies, doctors and hospitals to fight each other. How do we expect any of this to work?

    -Dave

  11. #25
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    If you file for disability get a lawyer. Do not even for a second think to do it on your own. Wording on forms is very very important, one simple wrong word can delay or cause you not to get your disability.
    Good luck!
    msgt/ret likes this.

  12. #26
    Senior Member Array boatail's Avatar
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    Quote Originally Posted by ctr View Post
    Way off topic and ignorant. Ignorance is not stupidity, but a lack of knowlege. Insurance companies do have coffers, more properly known as reserves. Insurance companies put money aside in anticipation of future claims based on statistical models. Insurance companies also purchase insurance from other, larger insurance underwriters, known as re-insurance. Re-insurance pays for claims above and beyond what an insurance company has in reserves. Katrina is an excellent example where many insurance companies applied their re-insurance policies to pay out claims for policy holders.

    Insurance companies are highly regulated by state insurance departments that determine what insurance companies can charge (rates), what is excludable, etc. The companies are not evil, rich entitities that some folks such as yourself ignorantly proclaim. Consider yourself educated.
    Thanks for a little enlightenment here. I was beginning to think everyone owed everyone for everything which, of course would amount to nothing.
    Light travels faster than sound...thats why some people appear bright before they speak

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