Do not cancel your health insurance. You never know when you will need it. sm
Posted By: MT and worn out on 2009-02-25
In Reply to: Would you cancel health ins....sm - curious girl
I had no health insurance for 3 years and that is the ONLY reason I went back in-house. I figured I had pushed the envelope far enough and was due for major problems.
Most hospitals have payment plans and will work with you. The hospital I work for has a Care Management department that will come to the hospital to work with you on payment plans or help you find whatever help may be out there and that you can access.
If you keep anything, keep your insurance. Go for high deductible. Find a clinic that has a sliding scale, but keep it if you can.
Complete Discussion Below:  marks the location of current message within thread
The messages you are viewing
are archived/old.
To view latest messages and participate in discussions, select
the boards given in left menu
Other related messages found in our database
Would you cancel health ins....sm
if you couldn't really afford it? Or would you scrape by to pay for it? I have contemplated canceling to get ahead on my bills for a while. What if I or my husband or son gets really sick, say our gallbladder or appendix? What would they do? Let us suffer? Will they treat you and let you make payments? I am afraid to let it go because I am scared we may really need it. I don't know what to do.
You can do that, sure and then have your insurance cancel
You are supposed to disclose any prior diagnoses.
Health Insurance
Does anyone know where I can get family coverage? I live in NY and I am taking an IC position. Thanks
Health insurance, so not sure.
My copay is the normal amount though, so it may not be too expensive. Our more expensive drugs will have a higher copay. You might see if your doctor has samples, just to see if it will work for you.
This is w/o health insurance either - sm
though ours is cheap (but very, very good). We only pay $140 a month for 4 of us. Of course just about every few months (if not every) something unexpected crops up too, car repair, etc.
Health Insurance
I pay $240 a month for mom's (49yo) health insurance. This is for medical insurance plus a dental & vision discount program. She doesn't go to the doctor alot but when she does go there is always a remaining balance anywhere from $40-$80. Hospitalization through the insurance is set at $5,000 deductible. I am just wondering does this sound reasonable or is there anything else cheaper with good coverage or same coverage???? I checked into BCBS but they are SO expensive. Any input on this is greatly appreciated.
Ex-spouse on health insurance?
My daughter just told me about a proposal her ex has suggested. He is close to a thousand dollars in arrears for back child support. Now he wants to negotiate a deal where my daughter will accept about half of what he owes in exchange for his adding her to his job health insurance. She is self-employed and has not had health insurance coverage since their divorce.
I don't think he can do that, can he? Since he has lied about so many things I don't think she will do that unless he can prove she can be covered. Even if he could add her, what would keep him from dropping her for spite if there are problems down the road? Any thoughts? Thank you.
What have they done?? I heard no health insurance for employees, but what else?
nm
Wal-Mart does offer health insurance to their workers. Wal-Mart pays part and the employee SM
pays part of the premium. Just like other companies do.
don't cancel
oh, you'd get your truly emergency treatment, but maybe less than the best. If you do have a hospitalization w/o ins, it can ruin you financially. Look for a lesser policy, higher deductible, different company; talk to your rep. but i sure don't advise canceling.
I also say do not cancel...
Part of it is because of what you mention, emergencies etc. but also bear in mind that if you cancel and then have medical issues or new diagnoses and you have more than a 63-day lapse of coverage, the new insurance will make you have a waiting period (usually 12 months) before they will cover this new issue. If you think about the reasoning on their part... someone has never had insurance but just found out they have cancer and then they run and grab a policy, that insurance is walking into a potential million dollar claim situation on someone who has never paid out any premiums. See what I mean? Thus is the reason for a waiting period before it is covered. I had a friend who had lost her insurance when she quit a job, and I tried to tell her to at least get a high-deductible policy so she has some coverage but she did not want the added expense. Well, guess what, she found out she had diabetes and when she ran out to sign up for insurance, not only were her rates sky high because of her diagnosis but she had a 12-month waiting period before they would cover anything for that diagnosis..insulin, doctor visits etc.. So, to make a long story short..NEVER go without insurance. Very bad idea. JMO
my own gut feeling is to cancel sm
there's just so much identity theft out there that it's scary to have too much info out there. i think that is really good advice to save and buy with cash. i do think it's good to have a credit card for an emergency like the other poster said.
thanks for your input 
Don't cancel. When you pick it up again
if there are any "pre-existing conditions" then they can be excluded. I wnet for a little bit before getting insurance as I could not afford Cobra before my new job's insurance clicked in and then my daughter who had had an ovarian cyst 5 years ago was excluded for that and, of course, she had to go to the ER for another one 1 month before the new kicked in and we had a $4000 ER bill. DO NOT CANCEL>
Just go into one of their stores, cancel and walk out...
why let ANYONE intimidate you?
How to cancel cell phone service
Hope somebody can help with this. I want to cancel cell phone service (contract expired, and I simply don't use it enough). Have AT&T/Cingular and was trying to find a way to cancel on line. Does anybody know the magic trick? Of course I realize they are going to make it as difficult as possible. Just want to avoid having to talk to a customer service person, as I know I'll have to deal with the sales pitch. Thanks!
Cancel them now...rather be free of temptation. Credit score
xx
Cancel the ID theft protection on your credit cards.
If you didn’t pay for it, you’re not liable for it.
My dad's health...sm
He has stage IV cancer and has been told his current chemo regimen is his last shot.
Why did you get a dog when you cannot pay for health care
plo
Then you ARE able to pay for health care for her. You are not
o
Age 56, good health; 5' 8" 137-140 lbs.
nm
for my health into a drs. hands without being
x
I understand that but did he say anything health
x
Yes, I saw the her on one of the Health Channels also nm
x
health food :)
i've made this exact same recipe for years -- husband calls it "health food" cuz of the oats. (i just call em no-bakes). I boil mine gently however for 2 minutes, not a second more for soft cookie consistency.
The only thing i do different now is use the DARK Hershey's cocoa -- everyone loves them!!
How's hubby's health?
Has he had a physical or been to the doctor recently? Repeating stories like that and an attitude change such as what you are describing can sometimes mean the onset of Alzheimer's or another form of dementia. I don't want to be a debbie downer, but I think it's something that probably should be looked into.
Good luck.
New Health Tonic??!
I found this very well-referenced, scientific article to be quite amazing and enlightening indeed: http://en.wikipedia.org/wiki/Seminophagia -- Knowing these things, some people holding old taboos, attitudes or inhibitions may need to reconsider them!
She qualifies for an IEP under "other health SM
impaired" due to her ADD. You need to make a request in writing for them to perform official testing and to set up an IEP to ensure that your daughter gets the best help available. (Preferential seating--in front of class near teacher, extra time on written assignments, less homework if necessary--i.e., 2 math problems versus 10, non-verbal reminders that your daughter will understand to mean "pay attention, sweety, it's time to do our classwork," etc., etc.) Also, if she is behind academically, they should offer her extra help in that area--although in my experience they may not offer it to someone so young because they learn so quickly at that age and she may be caught up before you know it.
Good luck to you and your daughter!
Chickadee
Requiring a woman to do anything with her health
just treads on nasty ground in my opinion. Where would it end? I think this would be a heck of a step backwards for us all.
You pay for health care. This isnt what I mean. I mean ppl who
hj
Does anyone know about Swanson Health Products?
I received a catalog of their products today (herbs, vitamins, minerals, etc.) and their prices seem really good. I was wondering how good their product is. Do they put a lot of "extra" ingredients in their herbs or do they offer the "real" thing? I know that there are some companies out there that their herb/vitamin supplements are not worth taking because there is so little of the real thing in their capsules. How do you rate Swanson?
Health care is important, but..
ITA, I'm in that situation now, he has health ins, gives me his paycheck sm
every month to pay the bills. Money from MT is extra for movies, clothes, etc. I tried talking to him, said I wasn't happy. He said nothing is wrong. So will stay unless something major happens - and I did consult a lawyer but because we've been married 4 years, the lawyer even said it didn't really benefit me to leave. At least my husband works out of town every now and then and I get a break.
I agree. The health department
needs to go in and take over. The poor little girl is probably dealing with an alcoholic or drugged-up mother or maybe she's mentally ill. The little girl shouldn't be living with such an irresponsible mother. At the very least the health dept needs to go in and fumigate and clean them up and monitor the house and family members. Better that than having 30 families trying to contend with this problem.
You have to confront him. Your health and well being are most important.
I believe people know they are gay from a young age. Some might be confused about it, but, by adulthood, they know they are gay. I cannot imagine a straight guy watching gay porn or, worse yet, seeking gay escorts. He's gay.
Health Maintenance Resources
You can order on line -shipped to your door, no commitment - it was developed for morbidly obese people pre gastric bypass - to get some pounds off before they could have surgery or to determine if they for sure could not lose weight. Food is really good and filling. Check different sites - prices vary. Best site I have found is in Texas. I was really appalled at the taste of Nutrisystem - absolutely had to throw things away.
Health and beauty products
I always like to hear about good reviews of products because sometimes it can be overwhelming with all the choices. I just thought we could all share about one or two of our favorites - hair or makeup. I personally love L'Oreal volumizer mascara and most Lancome makeup even though it's pricey. I'm looking for a really good shampoo and conditioner though - anyone?
For your health, I hope you move
Not be a smart@ss, but if there's nothing you can do legally, you really should move. For the amount of money you've spent on filters for both her place and yours, you could have probably gotten another place. I don't know where you live or whether you have a rent-controlled apartment, but none of that will matter if you're dead. It's time to start checking the classifieds.
Individual health policies
Individual health insurance policies are a lot harder to get. There is a lot more underwriting on them than there is on a group plan - it's why the group plan premiums are larger. They have to take anyone that is a member of the group.
I was denied because I had been previously diagnosed with a low thyroid. If you're overweight you probably will be denied. If you previously have been diagnosed with almost anything, but especially high blood pressure, any sort of endocrine problem like thyroid or diabetes, chances are it will be difficult to get it.
If you want to go that route, your best bet would be to go to an actual agent that sells life insurance. When it's an agent who is dealing with the company alot of times they can talk to the underwriters and the company and get it pushed through, which you can't do when you're just doing it online.
Dr C will be the new health care CZAR
nm
DH health question/your opinion
My husband is 60, very good health overall, does not drink/smoke, does exercise, takes lots of supplements and almost all veg. diet with fish.
There is no history of diabetes in his immediate family that I know of. We have only been married a few months, I'm 55.
Sometimes after a long day (he is a self employed paralegal and sometimes has very long days) he comes home in a condition I would compare to to a person who has had a couple drinks. He insists he is not tired, but is vague and sometimes almost staggering. Sometimes eating helps, sometimes not. I have told him not to go several hours without eating and drinking fluids and he is more careful about that but last night he became the same way after a long day. He acts likes he is mildly intoxicated, slow, deliberate, not himself. And I know positively that it is not drugs or alcohol I'm thinking diabetic? He insists his health is great, I have only mentioned what I have thought/witnessed. (This also happened during our vacation when I was with him all day after a long day of driving). Any opinions on this? Thanks
what is yam cream? at health food store?
x
I had mine at 34, and my health improved dramatically! (sm)
I only wish I coulda had it when I was 13! (haha)
No longer being anemic, my energy level went 'way up. I lost alot of weight after surgery. (Actually a little too much - it took a while to get back to normal, so I just ate more.....) After having to live my life around my nearly debilitating periods, I now had the freedom to go wherever I wanted, whenever I wanted, for as long as I wanted, with no more checking the calendar. And no more worries about birth-control, either! Because of my young age, the doc was all worried that I'd be remorseful later that I couldn't have kids. NO WAY. I told him that after he removed my uterus, he could hang it up on the wall and throw darts at it, for all I cared!
Yes, there is some postop pain and you have to rest and get your strength back. But it's winter, and what better time to pamper yourself, read books, watch TV, write letters, and SLEEP. You will do just fine, and once you've recovered, you'll wish you'd done it years ago.
Good luck & best wishes! :)
Owning a pet is a privilege, not a right. If you can't afford health
;
Fabric softner - a health hazard??
I was sent an email by a friend concerning the hazards of fabric softner last night. I was wondering if anyone else has heard of this? The article he sent to me was from Allergy and Environmental Health Association (http://aeha.ca/help-with.htm)
He was also talking to an associate who has having many health issues. He awoke one morning with a "texas-shaped" lump and redness on his neck. He went to the doctor the next day and the doctor suggested that he go home and look at his pillow and call him back and tell him what he found. There was a dry sheet in his pillow case - and you guessed it - in the shape of Texas. His doctor told him that it was unbelievable the illnesses that are caused by fabric softener.
It seems like there are some many things you shouldn't eat, you shouldn't use, and the list goes on. Sometimes I think we are doomed if we do and doomed if we don't. I guess it is an issue of pick and choose. Does anyone know an alternative for fabric softener?
By the way - If you don't want to look at this article for any other reason, look at it for the great list of alternatives for cleaning without using chemicals. They have a great list and it is quite lengthy. I printed it off just to have for a household reference!
how do I access the mental health page?
I just came across it a few seconds ago. Thanks!
Dear God! And no one wants universal health care in the US because that would be, like
xxx
We need DOCTORS in charge of our health care,
!
Buck stops with you. Your health is your #1 concern.
s
Check out the mental health board
:)
And he'd know all about her private business/health issues, too,
s
|
