The insurance I am talking about is for people with pre-existing conditions (sm)
Posted By: OP on 2009-01-13
In Reply to: You can do that, sure and then have your insurance cancel - Me
you actually have to have one of the conditions on their list in order to qualify. If you look up DOI (dept of insurance) in your state, you will find info on insuring people who cannot get approved for coverage.
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Not talking insurance, just basic care and the cost for that.
k
Medicare people - Have great insurance now- do I have to
take Medicare exclusively once I reach retirement age? My husband is younger and I hope to continue to work past retirement age myself (hoping to drop at my desk, so to speak) but his is great because union- he pays nothing for his insurance and all medically related issues are really dirt cheap for us. I would love to be able to stay on his insurance without Medicare- is this allowed?
He probably did it to keep people talking about him...sm
I do agree with Simon's comments about him, though. I thought Gina did the best she had ever sung last night and of course Lakeisha & Melinda were awesome. The guys overall still stink - out of the thousands that auditioned they should have picked better ones.
Are we talking single people or
families with children?  H and I make between that together but looking at our individual salaries no. We also have 2 kids. All I know is that we did not qualify for free or reduced school lunches. LOL.
Ok, for you people talking about linoleum...
Let me make this perfectly clear: Linoleum never has and never will look like wood or tile floor. I don't care how "high end" it is, it still looks like linoleum.
It amazes me how people put that garbage in and say "even my friends think it is real tile!" Let me fill you in on something: They don't think that, they are saying that to make you feel better about buying cheap flooring. LOL
I know linoleum has its uses and it's the most affordable flooring, but please stop trying to convince yourself and others that it looks great because it doesn't - it looks like LINOLEUM!
People talking on cell phones while having
dinner in a restaurant. I realize some people have to take calls, but just get up and leave the table.
Did they mention anything about pre-existing on this plan? nm
Very interested if they cannot turn you down but have major pre-existing issues. Thanks for the info!
Case in point - I am talking about people thinking things out
I said some women went to a psychiatrist. He asked them to strip - which they did- he is a psychiatrist- he does not do physicals. They are on television telling how they pulled their blouses up when he asked them to. Now do you understand?
You cannot put conditions on a gift. If you do, it
x
Where on the scale of conditions would a guarded
condition be?
Blizzard-like conditions here in Indiana. Level II. SM
Level II means no cars on road unless absolutely necessary. My son was sent home from work. Calling for 8-10 inches of snow. It's the blowing snow that is dangerous.
It depends on your vehicle and driving conditions...sm
In most cases you do not need to change it every 3000 miles unless you do a lot of strenuous driving (i.e. mountains or towing things). Your manufacturer of your vehicle can tell you what they recommend. A lot of the newer vehicles have sensors that advise when the oil needs changing based on how dirty it senses it is. The sensor on my Saturn usually alerts me between 6000-7000 miles that the oil needs changing. On our Kia they recommend changing it only every 7500 miles unless rigorous driving has been done, in which case they recommend changing between 3000-5000. Our Ford recommends changing the oil every 3000-5000 miles but it's also the oldest vehicle in our driveway.
...on a search. Or look for real time status, road conditions, etc. for
s
Im not talking about a check. Im talking about a positive administration working FOR Americans and
Not receiving a check each month to help us out is not what got us in this mess...
What's the difference between talking on cell and talking to person sitting across from you?
You should be ignoring people at other tables and MYOB.
She wasn't talking to you, BTW. She was talking about the 2 posters below! nm
m
Think you can go to dot.state to get h'way conditions, but here in lower NY state, we've been
s
Am not talking politics here at all, talking
about how she views the southern culture which apparently she knows very little. I do not care about her politics- what I care about is by making a statement like that only shows a persons ignorance. My maid is working today, has lived in the gettos all her life in a big city and when I asked her about it she said something she has not seen in maybe 30 years. In her neighborhood there is all sort of crime that goes on (well, that is about everywhere) but if anyone would see it she would be 1. Like I say, could care less about Whoopie's political views other than the fact she got that wrong. Neil Boortz also was saying the same,;he said she was probably still holding the south in such a light because of her inability to go into a upper class restaurant here in town dressing in blue jeans. Being as she was born in NYC, we southerns still say da.n yankees! So true here.
you can give the people the facts, but the decision making process should be left to the people
This is what our country is founded on FREEDOM OF CHOICE! I'm laughing already; you are just as mortal as the rest of us, and don' even attempt to that you've never done anything in your lifetime that was unsafe or unhealthy. NOT gonna buy it.
it is wonderful to see how many people have such strong opinions about people in debt.
I thought that the purpose of this board was to be able to post without being judged unfairly or have somebody tell you how wonderful their personal life is, and therefore you are causing their life to be less wonderful with your irresponsibility. Well, the saying "walk a mile in my shoes" is a good one in this case. Since you have no personal information about the person you are lambasting because they are looking for information on their debt, you can feel superior. Had you had personal information about them, you might act in a more human manner. Consider fighting cancer for 4 years, working and being debilitated while you do, suffering the effects of chemo, going into debt to maintain your home for your children and looking for a way out of debt SHOULD YOU EVEN LIVE THROUGH THIS!! Thank you for the kind comments. To the judgmental people I say please take a step back before you judge. You do not know who you are talking to and if you knew the personal information maybe your comments would be kinder.
I get frustrated by the double standard they use when judging people. They let certain people go sa
What do you think about the voting process?
insurance
I live in Upstate NY and I am an IC also. I found the best way to go (cheapest) is to join a local Chamber of Commerce and buy a plan through them. They can offer you the best price for health insurance at group rates. You have to pay an annual fee to the Chamber so that's the only snag, and it pays to check out different Chambers because each one is different with some being cheaper than others.
need help with car insurance -
Have had State Farm since I was 16 - my house is also State Farm. Just found out that almost 2 years ago my now 23-year-old daughter who still lives with me got a DUI. State Farm is dropping us both. My record is very good - one tiny accident (hit a pot hole and had to have new aluminum wheel) in over 13 years. If she could live on her own on her salary I would make her - but she can't. She doesn't drive my car - I think I have asked her to get gas for me on a couple of occasions - and when we go on vacation she might take a turn. Any ideas? What will insurance cost me now - any good companies to go with? HELPPPPPP!!!
car insurance
I have a teenage daughter on my car insurance (thankfully neither of us have ever had an accident). If you're over 50, you can join AARP and then you're eligible for discount insurance through the Hartford. They saved me about $60.00 a month over any other insurance I had previously. If you meet the age requirements, look into it.
insurance
My son had a DUI and the ins was going to cancel us but they said if I only insured myself and my son showed proof of other ins that they'd keep me. Could this work for you?? Just a thought...
PIP INSURANCE
Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07. Please go to the web site http://www.wpbf.com/index.html. In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated? Please go on line and vote NO. Send this email to everyone you know. We want hundreds of votes.
Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt. You can find their email addresses on MyFlorida.com. It is very important that they add this to their agenda on 6/12/07 for their special session.
Thanks for your help.
Insurance...
I agree with not being able to do that. I cannot get on my boyfriend's insurance because we aren't married but maybe it's state specific or company specific. If they are allowing gay/lesbian couples to ensure their significant others, then allowing ex-spouses or bf/gf to be insured by the other may be possible.
Insurance
Did you start a claim with the existing insurance? This happened to me, I had to do the cobra until my husband's new insurance kicked in, and they accepted the pregnancy not problem. I would call your current carrier and ask curiously. Some insurances dont have a problem as long as there was no gap without insureance. It so happened that the new insurance picked us up in just 30 days and we only paided the cobra for one month. I think when it comes to pregnancy, pre-existing does not apply, as long as there was no gap. Check it out. It was awhile ago for me.
Insurance sm
It sounds like you're a great friend and neighbor!
Our neighbor never gave us their insurance information. Our situation is a different because in addition to physical scars, our daughter has emotional scars from this dog bite that will take a long time to recover from.
I did some research on the dog bite law. Sometimes insurance companies will cancel the homeowners policy if there is a dog bite on the property. If they don't cancel it, the insurance premium will increase by a lot. I think this is why they didn't try to go through the insurance company and thought we would accept this small check.
We believed them when they said they would take care of everything. I guess we're just too nice! 
but you do have insurance, it's the same
I didn't have a job, even though I do. It's lying. It's fraud.
Pet Insurance
I have some pet insurance. It is $17 a month for each dog. I figure, for $200 a year, if the dog lives to be 15 that would be a total of $3000 over the life of the dog. Which can be less than the cost of a single operation.
So I got the insurance. Andy had a minor surgery (removal of keratocanthoma) that came to $600, including $200 to have his teeth cleaned (not covered). After the deductible I got a check from the company for $300. I was pretty happy with that.
insurance
Does insurance cover any of the cost for implaints or dentures?
no insurance
I just got my teeth cleaned and you just call the office and tell them you are uninsured and they offer you a much cheaper rate, they charged me 75 bucks.
People who go around calling other people "low class"
have their own issues in life. Ignore them. Nothing like a misplaced superiority complex to make a person feel good about themselves. Like they've never done anything gauche or made a faux pas. It must be nice for them to be so perfect and live in a glass house.
For that matter, you probably saved your piggy's life by popping that mondo zit! It could have gotten infected or something.... (yes, I have a zit popping fixation myself, but you were really descriptive on that pig zit. gag LOL)
Man, you would have appreciated the time one of my relative's popped a HUGE cyst on her face. I was standing right next to her at the time and leaned back because I knew it was going to blow. It did! Big time! All over the wall, mirror and light fixture. I'm still disgusted by the thought of it 10 years later. LOL In a revering kind of way...
how did this become an insurance debate???
I posted simply to relieve some stress and anxiety...sheesh! THANK YOU to the sincere posters expressing their sympathy...to the rest of y'all who turned MY post into a petty debate... !!!
Health Insurance
Does anyone know where I can get family coverage? I live in NY and I am taking an IC position. Thanks
Homeowners insurance ? (sm)
I'm wondering if anyone has heard of this happening. My niece spilled a small bit of bleach on her carpeting, about the size of a baseball. The spot is in my brother and SILs living room. There is also a small spot going up their stairs. So, they called the place where they got their carpeting (about 3 years ago) to see if there was anyway they could fix it, and they informed them that the homeowners insurance would cover this and that since the carpeting is wall to wall, they should be able to get the entire house re-carpeted. Does anyone know if homeowners will really pay to have your entire house re-carpeted just for a small bleach spot? If so, I am going to call about our kitchen floor that has a large scratch on it from our table!!
Those *studies* were done by insurance --sm
companies who do not want to pay for the workers' comp cases and people that have gotten it. Just another *scam study* so they don't have to pay...just like the Katrina thing...where flooding caused by the hurricane is not covered because it is flooding.
My son's insurance would not pay for Nexium (sm)
but it would pay for Protonix (none of the others worked anymore - Zantac, Pepcid, Prilosec). He has GERD and Barrett's. Anyway, he has been taking the Protonix for about 3 years now, and it is still working great! He never had to go on the Nexium. But I guess each person might be different.
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.
insurance scam
this girl is looking for more than just medical expenses, trust me. Same thing, went to hospital and had x-rays, nothing wrong, then all of the sudden, couldn't hardly walk. How do I go about this with absolutely no one knowing it's me who is turning her in?
Insurance Scam
Usually, I am the type of person to pretty much tell you what's on my mind, but hubby doesn't really want me to say anything to her because he is good friends with her hubby and figures if I upset her, then he has to stand by her and that'll end their relationship. With me, it's what you see is what you get and I tell it like it is, maybe that's why this is bothering me so much. I always mind my own business too, but for some reason this is just bothering me more than I should allow. I am fearful of her even coming to our home, falling and getting hurt, then suing us; or even having her in my vehicles now because of what I am seeing - a woman I thought I knew but now see this dark side. She is figuring on going to court if they don't give her what she/lawyer wants and I already told her "not to count on me to testify in her behalf" because I totally am in disagreement with what she is doing". She said nothing to that comment. Hubby figures no way she'll get what she is expecting due to no surgery and it's just a strain, but I have seen people fall in sh__ and come out smelling like a rose, and she is one of them. I agree with other poster, she has turned in all claims to private insurance so maybe they'll check into that. They already asked to access past medical records and lawyer said no, that it has nothing to do with this, but that was early on right after accident. I am not afraid to say something to her, I am just not sure if I should, especially since my hubby really doesn't want me to. He cannot even stand her anymore and they used to be fairly close and tease each other as being bf and gf; that's how close we were. Also, secretary is my neighbor - go figure. We just leave that subject alone when together. I don't know what I am going to do, if anything, and I think you are right, I just need to address this issue directly with her because it's not in my nature to talk behind someone's back like this. I only have 1 face and do not particularly like myself for talking about her like this, though until now, I have only talked about it with my hubby. Thanks for all your advice.
Homeowner's insurance
Just a heads up depending on where you live in the NE. I live on Cape Cod and the insurance companies have almost all pulled out of this area because supposedly we are due for a big one some day. Even though I live 7 miles from the ocean, my company dropped me, and I had to go on the state-sponsored insurance program. My insurance is now $2000 on a $350,000 home with a $2500 deductible which does not include wind damage. That has a different deductible based on percentage of damage, maybe 1%? Can't remember right now. It's not that expensive compared to Florida, but we haven't even bit hit by a big hurricane. They just think we MIGHT be some day.
So you are saying you do not like insurance companies????
![Belly](http://smileys.smileycentral.com/cat/4/4_1_219.gif")
Medicare is first insurance
Any of the insurance plans I have seen only go to age 65 even if you are working. They might work hand in hand with Medicare as your supplement but this is often expensive unles your employer continues to pay for it. They will use Medicare as the primary and your other insurance as the secondary.
We pay nothing on Hubs insurance
so then this is next year for me although retirement age not actually until 67 for me. Drats- was wanting to stay on his PPO, no cost to us and really good covering all. I have until March of next year to contact them now.
I have hepatitis C and my insurance is thru him (nm)
x
Are you sure you have the traditional insurance?
You won't believe the number of providers who try to balance-bill their contracted HMO patients.
Have you called your insurance company to see what you really are responsible for? If you have the old type of health insurance and the provider is a participating member, you may be responsible for 20% of the usual and customary (U&C) and not the entire billing charge.
How are you feeling? You sure don't need medical bills on your mind, all you should be thinking of is getting better. And, as the other poster stated, as long as you are making payments, you should be OK. Just don't let them talk you into a large monthly payment. Be honest with yourself and agree with what YOU can afford.
As for extra help, it depends on where you live. Are you the only person working in your household? You might not like the idea, but you might need assistance from your state.....this is nothing to be embarrassed about. It is your right as a US citizen. Go for it!
You have already gone through one nightmare, at this time you don't need a provider pressing you for more money then they already have received. Sure, they are due their money, but they are due their fair share. Hospitals and even some doctors overcharge so much! Why don't you request an itemized bill...then go over it with a fine tooth comb. You might just find some charges that were added to your bill by mistake.
Get well!
cobra insurance q
i have the option to have cobra insurance but have not done so. As luck would have it now i am sick. If i call tomorrow and pay for the cobra insurance will they cover me if I go to the doctor the next day? is there a waiting period or pre-existing condition clause? TIA
Did insurance cover this or how much?
nm
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