don't cancel
Posted By: sm on 2009-02-25
In Reply to: Would you cancel health ins....sm - curious girl
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.
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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 
You can do that, sure and then have your insurance cancel
You are supposed to disclose any prior diagnoses.
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?
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.
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.
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