Glad I'm not the only pokey one. I have a terrible time trying to reach 150 lph.

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   Medical bills are debt.  Debt is big business.   Do not expect to find any compassion for your problems when you show up without insurance.  You'll be lucky just to get care when they flag your chart "No Insurance" or "Self Pay."

    If you are uninsured and do not qualify for state or federal assistance because earnings are too high, you are gambling on everything you own or will own in the future, including future earnings.

     If you require elective medical care and have time to work out a cash payment deal in writing with the provider, you may be protected. You will require a signed agreement by every provider - hospital, radiology, lab, interpreting physicians, etc.  If you fail to meet the provisions of the agreements you sign, the following will apply to this debt as well. 

   If you receive medical care without a prior agreement on payment, you will be responsible for the debt.  After the fact, the providers have no legal reason to allow you to set up a payment plan.    If you send a monthly payment anyway without a prior agreement, the only thing you can hope for is when they take you to court a sympathetic judge or arbitrator takes this into account.  A voluntary payment sent by you won't stop any legal action and, in fact, may hurt you in the future trying to resolve the debt.

   Every state has a set amount of time before a creditor can sue you (depending on the type of debt).  For most states, medical debt is 2 years.  So, from the date of service you have 2 years of collection agencies to deal with and then they simply take you to court at which point they will take everything you own and sell it at auction, enforce liens against your current and future earnings, and take every potential bit of future income or asset you may have.There has been some legal challenge to this in some states - check with your state attorney general's office to see if any headway has been made in protecting patients with medical debt.

     If you think you'll just go bankrupt, think again.  Medical debt is rarely discharged now since the rules have changed, especially if you at some point indicated you would be willing to do a payment plan with the providers - this is used against you.

      If you think you can maintain your health and nothing will happen, you are dreaming.  Make sure off the top that you no longer have a GB, appendix or uterus.  You'll just have to ride out all the little things - UTI, flu, sinusitis, and forget about routine maintenance care.  The stress alone of knowing you must not become ill or injured is enough to make you sick.

      Anyone who tells you not to worry about medical debt while uninsured or underinsured is either ignorant of the facts, living in another dimension, or just plain lying.

your kids!  I think you are way harsh with your 15-year-old stepdaughter.  What's wrong with helping with homework?  Not giving her the answers, but sitting with her and explaining things?  I help my 14-year-old with his homework and I check everything he does for errors.  If he makes mistakes, I sit down with him and explained what he did and have him do it over.

As fars as my kids getting up on their own - my kindergartener gets up without the aid of an alarm clock because she is an early riser, but my teenager has to be gotten up and personally I don't see what is wrong with that.  They are TEENAGERS! 

My kids have chores and earn an allowance each week.  They must keep their rooms clean.  My son takes out the garbage, cleans the bathroom, and helps me do the dishes.  My daughter takes turns helping me do the dishes and sweeps the kitchen floor and feeds the animals.

My kids are spoiled, but what's the point in being a working mom if you can't spoil your kids every now and then?

If I were the parents, I would most likely be blaming myself; not my friends that I left my 2 year old with and not the person who hit the child on the highway!  It would have been my responsbility to either have my 2 year old with me or at least make sure the people I left him with were responsible.  As for the driver of that car, what were the driving conditions; apparently it was at night; was it raining; was it foggy; did they even see that little,tiny child; was the child standing or crawling or just lying on the road????????  It sounds horrible but maybe the driver just felt a bump!  Maybe the driver didn't even realize he had hit a child!  Maybe the driver just thought he ran over a board in the road.  I'm one of the few, I guess, who believes the safety of your child lies only within your power.  According to some, accidents do happen, but I don't believe in accidents!  Accidents, according to the dictionary, are considered to be unforseen incidents.....we as parents, however, must use common sense to try to abate these "unforseen incidents". 

Again, I do have greath empathy for the parents, their friends and for the driver of that car.  They certainly did not preplan this but maybe a little bit of preplanning would have prevented it.  I am sure that little 2 year old will be another beautiful angel in Heaven and that eventually his parents will know he is happy and in a good place. 

I wonder if the accounts are seeing a reduction in the price that they are being charged -- that is what I want to know.   Went through this when NFTA came into effect with my husband and truck drivers.  Also the car industry has gone through this with all the jobs going overseas.   Pretty soon the doctors won't have any patients because no one will have insurance or jobs or be able to pay so they will be out of a job.   I hope it eventually all backfires on them but I doubt it.  I have talked to my local doctors, senators, anyone that will listen about this but no one seems to be worried.  Tax bases will go to pot with everyone out of work, no one to pay the government.    All we can do is to keep voicing our opinions.

in past years has been on Singulair and Nasonex for them.  They have always worked well together in the past to keep him from ending up with an upper respiratory infection and eventually nausea and vomiting from all of the mucus.  This year; however, those two drugs do not seem to be doing the trick.  I took him to the doctor and they switched him to Flonase and an Azmacort inhaler.

I was just wondering if anyone has any experience with these medications and what type of results you got.  I know Flonase is supposed to be wonderful for allergies, but I'm curious about the Azmacort.  His nasal congestion does seem to be a little better than yesterday but I have not been able to guage any benefit from the Azmacort yet (I know, it's still early to tell).  The doc said that if these meds do not work he will have to start getting allergy shots. 

He will be 8 on Sunday.  He has been suffering every year (this time of year is horrendous) since he was 3.  Just curious to hear any comments and/or suggestions.

TIA!!

On DQS acct, lines stink -  on three other programs, same as you 300-400 lph.  I hate DQS and proud to tell everyone.  35+ yrs trans.  The old selectric typewriters were better, even Mag cards were better.

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do you think everything posted on these boards is the gospel truth. No, the admin's would not be so foolish as to sink into that territory...

I have to say, I am sooo glad it's Friday. This week has been just awful; whatever could go wrong, did go wrong; dang you Murphy's Law!!!

Let's pray that next week is better...hoping for a good weekend!