You can do that, sure and then have your insurance cancel
Posted By: Me on 2009-01-13
In Reply to: also, there is a new inclusive coverage that (sm) - My opinion
You are supposed to disclose any prior diagnoses.
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
Do not cancel your health insurance. You never know when you will need it. sm
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.
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 
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.
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.
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.
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
Yes, insurance covered it.
There was a pre-certification process, which included photographs. Ugh. It took about a month to get the approval. It was 100% covered through my insurance.
Do they have homeowners insurance? sm
That's who I would have filed the claim with.
are your taxes and insurance in with
the house note? By the time you have to pay for these out of pocket, will you realize much difference; I'd say keep paying your house notes and work on the other stuff; just my thinking. DO NOT TOUCH THE 401K; you will be horribly taxed on it as income. Actually, you guys are not that bad off debt-wise, know it's crowded, but you can survive for awhile yet and may another addition to the house would be feasible later; sounds charming, I love rock houses. If you have land, I'd say hold onto this deal, land's getting harder and harder to come by. For sure you don't have homeowner's agency to contend with. This will get better; just keep on keeping on. Good luck.
Insurance for Pets
I wonder if there is insurance that covers illness in addition to accidents. We had a dog who had Cushing's Disease and the treatment cost us a small fortune.
Insurance and pitbulls
Yea insurance companies have a "black breed list" that usually include Pitbulls, German Shepherds, Boxers & Chow Chows. Some pitbulls have that aggressive nature in them that can be brought out, but you have to trace back to the breeder & get the history of that dog's mom/dad's temperment.
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.
Insurance did pay some of mine
I have insurance through union but a small portion was paid, but most dental insurance not very good in the first place.
Insurance companies always get --
past medical records, no matter what insurance company you apply with. Once they get the records and the diagnosis is documented on your record, it is considered a preexisting condition.
2 of the 3 were covered by insurance
We changed insurance plans back and forth between my husband and I during those years and 2 of the 3 did pay for it. We paid for the second child's circ and it was only $110. We really didn't have the money for it at the time, but since we had circ'ed the first one, we thought we should be consistent.
We also had both types of circs -- the first one had the Plastibell, which I did like better because I don't think it's painful at all. The second 2 had the surgical circ, but it healed much nicer and quicker.
I think you are right that my kids probably wouldn't have had much of an issue with the teasing if we hadn't circ'ed them since it's become more common not to do the circs. But after my husband's ordeal, he wanted it done and I didn't really care one way or another. I think hygenically it will be easier for them when they're crusty old men. EWWW!
that is rediculous!!! Why have insurance if they won't pay??
getting them to pay for it :(
I thought I did not need insurance also
Years ago when I was starting out and did not have much money, thought I could go without insurance. My son fell off a porch, broke his shoulder and had 2 operations and hospital stays. I was working full time at the hospital, worked part time for the orthopedist at that time and had the hospital not made easy payments out of my paycheck for me and the physician did a freebie for me, I do not know what I would have done, thousands at that time. I got insurance after that and have not been without it since. I realized I could not be without it and now more than ever (unless you have a setup like I did), you really need it.
Why was the insurance to go to your deceased
brother's children? Was there a stipulation somewhere? Don't know everything about all the ins and outs, but beneficiaries listed on life insurance, CDs, etc. take precedence over a will. You can Google it. Unless there was some language 'if a child predeceases me, that child's shares of such and such will be equally divided between his/her surviving children and this is intended to supercede any listed beneficiaries on life insurance, etc. that may not have been changed on such' in the will, then I would think you would be the only beneficiary left anyway, and even if that language was in a will, still very difficult to override documented beneficiaries on that kind of stuff in a will. That is why it is SO important to be sure beneficiaries on life insurance, CDs, etc. are correct and updated if you want to spare people confusion and grief after you're gone.
|
