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-   -   Require health insurance assistance (http://archives1.twoplustwo.com/showthread.php?t=557753)

MissT74 11-30-2007 06:48 PM

Re: Require health insurance assistance
 
I WISH I could get health insurance for 1K a year, heck, I'd wish for 2K a year. Right now the going rate for me and my daughter would be about 5K a year. Thank goodness I work for dr's and get free health care. [img]/images/graemlins/smile.gif[/img]

T

Ghazban 11-30-2007 06:50 PM

Re: Require health insurance assistance
 
Many of the figures thrown around in this thread may not apply to somebody with a pre-existing condition (as the OP has indicated he is). I am diabetic and would orgasm all over myself if I could get coverage for less than 1K/year.

Death Valley 11-30-2007 06:52 PM

Re: Require health insurance assistance
 
Id suggest you go 12 months without seeing a doctor about your chronic issue. Once youve done that you should be able to get covered for it as there wont be a recent history of it on your medical file

mo42nyy 11-30-2007 07:10 PM

Re: Require health insurance assistance
 
I live in Nevada, but spend 2-3 months a year in NYC with my family
I really just want coverage to cover me in the even something terrible happens, for doctors viits etc Ill pay out of pocket.
However what happenes if I get hurt in NY (or anywhere else for that matter)
If I broke my arm or some stupid [censored] like that in NY would I have to go back to Nevada to get it fixed?

donfairplay 11-30-2007 07:16 PM

Re: Require health insurance assistance
 
[ QUOTE ]
Id suggest you go 12 months without seeing a doctor about your chronic issue. Once youve done that you should be able to get covered for it as there wont be a recent history of it on your medical file

[/ QUOTE ]
Um... what is your source for this?

The Medical Information Bureau keeps records for seven years after you apply for individual health or life insurance (plus, I believe if you reapply, that restarts the timeline).
http://www.mib.com/html/mib_faqs.html

jogsxyz 11-30-2007 07:29 PM

Re: Require health insurance assistance
 
[ QUOTE ]
$1000 per year (if that is an accurate figure) is more than affordable. I find it hard to believe that you couldn't find $3 a day to trim from your budget.



[/ QUOTE ]

It's not. What's affordable got to do with it?
Is there any value? For healthy individuals who
have no health insurance, health insurance premiums
are a ripoff. It's not the rich subsidizes the poor.
It's the healthy subsidizes the sickly and all
health care middlemen. For healthy people it would
be cheaper to pay for health care when we need it.

jogsxyz 11-30-2007 07:37 PM

Re: Require health insurance assistance
 
For individuals health insurance premiums are based solely on age. Even those who have never made a claim will have their premiums raised when they move into a higher age bracket.
How would you like your car insurance premiums based on the driving records of others?

tshort 11-30-2007 07:43 PM

Re: Require health insurance assistance
 
[ QUOTE ]
[ QUOTE ]
$1000 per year (if that is an accurate figure) is more than affordable. I find it hard to believe that you couldn't find $3 a day to trim from your budget.



[/ QUOTE ]

It's not. What's affordable got to do with it?
Is there any value? For healthy individuals who
have no health insurance, health insurance premiums
are a ripoff. It's not the rich subsidizes the poor.
It's the healthy subsidizes the sickly and all
health care middlemen. For healthy people it would
be cheaper to pay for health care when we need it.

[/ QUOTE ]

Then why do you want the government to make you pay for health care you don't need?

jogsxyz 11-30-2007 08:05 PM

Re: Require health insurance assistance
 
[ QUOTE ]


Then why do you want the government to make you pay for health care you don't need?

[/ QUOTE ]

I don't. I want to remove the greedy insurers out of the equation.

DonkeyKongSr 11-30-2007 08:11 PM

Re: Require health insurance assistance
 
[ QUOTE ]
[ QUOTE ]
$1000 per year (if that is an accurate figure) is more than affordable. I find it hard to believe that you couldn't find $3 a day to trim from your budget.



[/ QUOTE ]

It's not. What's affordable got to do with it?
Is there any value? For healthy individuals who
have no health insurance, health insurance premiums
are a ripoff. It's not the rich subsidizes the poor.
It's the healthy subsidizes the sickly and all
health care middlemen. For healthy people it would
be cheaper to pay for health care when we need it.

[/ QUOTE ]

This is not really true, as I recently found out. I'm nearly 30, been healthy my entire life up until this year and recently went in to check out a problem I was having.

I ended up having outpatient surgery with a bill over $20,000. With great insurance, it cost me only the $20 copayment for the first office visit and nothing else beyond my deductible. I just checked my paycheck and I pay around $90/mo for medical. It would take me 18.5 years of working to pay $20,000 on deductibles at that rate. I'm basically coming out way, way ahead on the "pay as you need it" plan.

I can't imagine going through life knowing 1 accident can mean tens of thousands of dollars out of my pocket.


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