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05-04-2009, 02:32 PM
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#1
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Dryer sheet wannabe
Join Date: May 2009
Posts: 14
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57yr old FIRE wannabe...
I am 57 and emotionally and financially ready to retire, but failed to "qualify" for health insurance due to a benign condition...seriously suspect was due to my age, as I am in excellent health according to my Dr. So, I am hoping that health reform will pass this year...in the meantime, I am working the minimum required to maintain my health ins. which is only 4 days a wk.
I am so desperately wanting to retire, that I have even started sending letters to members of my Congress encouraging them to pass health reform this year!
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05-05-2009, 01:17 AM
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#2
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Moderator Emeritus
Join Date: Jun 2007
Location: At The Cafe
Posts: 6,873
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Welcome, Patsweb.
Is there any way you can appeal the insurance decision?
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05-05-2009, 06:09 AM
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#3
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Feb 2006
Location: Washington, DC
Posts: 11,329
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That makes my blood boiled. I join you in your hopes for a decent health insurance system. What ever happened to the health insurance consultant who had all the answers for everybody with problems like this (Ilikemykids, or something).
__________________
Idleness is fatal only to the mediocre -- Albert Camus
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05-05-2009, 06:12 AM
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#4
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Full time employment: Posting here.
Join Date: Aug 2007
Posts: 585
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The insurance companies only care about one thing....profits. Like I said in the past I believe that health insurance companies should be run like a public utility company....with a fair, but not obscene profilt built in.
Hopefully congress will pass some sort of law soon that doesn't allow insurance companies to deny coverage based on a pre-existing condition.
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05-05-2009, 06:39 AM
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#5
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Full time employment: Posting here.
Join Date: Mar 2008
Posts: 654
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I'm with you Patsweb.
I'm 55 and hoping to retire at the end of this year.
Insurance is my biggest problem. I too am firing off E-mails bugging anybody I can think of. Hopefully they will come up with a good option for us. Not sure what the best thing coming down the pike is or even what I really want to happen. I just know I need insurance that is portable, not tied to a job and somewhat affordable. I'm hoping the attention to the industry will cause them to get more competitive at the very least.
Steve
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05-05-2009, 08:53 AM
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#6
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Recycles dryer sheets
Join Date: Aug 2008
Posts: 95
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Patsweb-
You've probably already considered this, but just in case...
Are you close to or can you get residence in a state with a guaranteed issue
law in place?
Buying Your Own Health Insurance - Kiplinger.com
-LB
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05-05-2009, 09:58 AM
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#7
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Recycles dryer sheets
Join Date: Jul 2008
Posts: 150
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I'm with you on this health insurance issue. There should be a better way for people to get decent heatlh care. Why should one have to move or spending a ridiculous amount of money just to get health insurance coverage.
Employment and health insurance should be separate from each other.
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05-05-2009, 11:17 AM
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#8
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Dryer sheet aficionado
Join Date: Jun 2008
Posts: 34
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huusom asked...
"Why should one have to move or spending a ridiculous amount of money just to get health insurance coverage." ?
Because health insurers have to spend ridiculous amounts of money to pay the benefits that they are obligated to pay.
bd68
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05-05-2009, 12:33 PM
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#10
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Recycles dryer sheets
Join Date: Sep 2005
Posts: 101
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Health care insurance is coming down to the "Haves" and "Have Nots" I have a friend that has retiree Health Insurance free from Megacorp "big phone company". Bring up Health care reform and he is completely against it.
Burch
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05-05-2009, 02:19 PM
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#12
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Moderator Emeritus
Join Date: Sep 2007
Posts: 17,774
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Are you saying you are uninsurable as an individual, Patsweb? Have you looked into state programs if so?
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
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05-05-2009, 04:58 PM
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#13
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2003
Location: Hooverville
Posts: 22,983
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Quote:
Originally Posted by DallasGuy
The insurance companies only care about one thing....profits. Like I said in the past I believe that health insurance companies should be run like a public utility company....with a fair, but not obscene profilt built in.
Hopefully congress will pass some sort of law soon that doesn't allow insurance companies to deny coverage based on a pre-existing condition.
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Unless that is mated with mandatory universal coverage it would be a disaster. Just think about it.
But for that reason alone the current administration and congress should be all over it like flies on a dead cow.
Ha
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
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05-05-2009, 05:37 PM
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#14
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Gone but not forgotten
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 11,447
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Welcome ! I also hope they pass health care reform .
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05-06-2009, 11:37 AM
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#15
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Dryer sheet aficionado
Join Date: Jun 2008
Posts: 34
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I am normally not this argumentative but I can't help it on this issue. Here are several random thoughts.
If it comes...universal healthcare, which is coveted by so many as the "answer", will be a millstone around this country's neck just as so many houses are currently millstones around peoples necks when 3 years ago they looked like their tickets to easy street in the middle class.
Regarding the articles that you linked to...I would not recommend a law organization as a source of unbiased information...although I do suspect that the title of their article is truthful..."Health Insurance companies in business of making profits". Now there is a headline...imagine that...a company wants to make a profit...shame on them in the Socialist Republic of America.
The other article you linked to that was authored by a doctor had an interesting line..."While Obama’s plan includes a requirement that insurance companies accept anyone who applies for coverage and sets up a new public plan to provide another coverage option, several states that have adopted this kind of model (Massachusetts being the most recent example) have invariably abandoned them, citing uncontrollable costs.". And how are those uncontrollable costs going to work on a national basis?
To paraphrase something I have heard about Universal Healthcare that I think is insightful..."if you think healthcare is expensive now, wait until it is free"...when the costs will explode.
We hear constantly about people who "can not afford healthcare" ...( I do not deny that is seems expensive)...but the real reason that many can not afford healthcare is because they prioritize other things instead of paying for healthcare because they know that if something really bad happens they can show up at an emergency room and get care. I know a guy who was a contractor (worked by himself most of the time) who had 3 or 4 kids and wife who did not have health insurance...but he showed up one day with a $900 camcorder (when lesser models were available for $300-$350)...that's it...priorities.
I don't deny that overall the cost of healthcare is a problem, but the answer is not to make it free, the answer is to have transparency in pricing, increase copays and deductibles, and have health savings accounts (that are refunded to people if they don't spend it all) so that people have some skin in the game. People must have some skin in the game, period.
bd68
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05-06-2009, 01:41 PM
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#16
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Recycles dryer sheets
Join Date: Jul 2008
Posts: 150
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DB68:
Why do people keep equating universal healthcare with free healthcare? We all should pay for it through our taxes just like the French, Brits, Germans, etc.
In fact, they pay less than what we are paying now and everyone is covered.
Just remove the middleman (insurance companies and HMOs) so we can focus our resource on real healthcare. And yet, I don't really have a choice of doctors because of the stupid HMO.
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05-06-2009, 08:33 PM
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#17
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Dryer sheet wannabe
Join Date: May 2009
Posts: 14
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I am certainly not an expert on how to reform healthcare, but just a woman who was denied health insurance from the same company, that I am insured through at work. It was hardly free, as I went for the $5K ded plan at $240 a mo. as I am very healthy, no scrips in years, low cholestrol, norm BP...but the last mamo showed a couple of lumps which were biopsied and declared benign. Nothing to worry about so said my Dr, probably just showed up because I tend to drink lots of coffee. However, the insurance co. claimed I was a high risk, but then I have heard that you can be denied insurance for something as minor as allergies...so go figure. Anyhow, like most people with good health insurance through work, I never gave it much thought until I realized how much power the insurance industry has over deciding who they will insure. Some of the stories of people who have been denied are just heartbreaking...too many to list here. True many choose not to buy insurance when they can afford to do so, but this is why it needs to be mandatory...cradle to grave to make sure that the healthy as well as sick are all contributing....because, we all eventually get old and sick. I do believe that the gov't is capable of providing a comprehensive and yet more financially sound plan if we don't have private insurers in the mix...but, it needs to be nationwide, not done on a state by state basis as in Ma. My mother who passed away after living with me for 7 yrs, had Medicare/ Tricare (military ins.), and though she was in & out of hospitals, drs. appts...she was able to see any Dr and go to any hospital...quite unlike my present plan. I don't recall her insurance denying anything that her Drs. recommended. I would be more than happy to have insurance like hers, but guess I will have to settle with whatever our Congress comes up with, which most likely will be some sort of mix of private and public insurance for un-insurables like me. But that is fine, so long as it is available and reasonably priced.
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05-06-2009, 10:17 PM
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#18
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Apr 2003
Location: Hooverville
Posts: 22,983
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Quote:
Originally Posted by Patsweb
My mother who passed away after living with me for 7 yrs, had Medicare/ Tricare (military ins.), and though she was in & out of hospitals, drs. appts...she was able to see any Dr and go to any hospital...quite unlike my present plan. I don't recall her insurance denying anything that her Drs. recommended. I would be more than happy to have insurance like hers, but guess I will have to settle with whatever our Congress comes up with, which most likely will be some sort of mix of private and public insurance for un-insurables like me. But that is fine, so long as it is available and reasonably priced.
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Whatever they come up with, it won't be this. Just like not everyone can drive a Mercedes, only the favored have Tricare.
Ha
__________________
"As a general rule, the more dangerous or inappropriate a conversation, the more interesting it is."-Scott Adams
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05-07-2009, 06:25 AM
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#19
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Full time employment: Posting here.
Join Date: Nov 2008
Location: Harrogate, UK
Posts: 921
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Here in England they may have the standardized health....and it kind of works if you really need help. For minor/not serious problems it can take years to get help (my wife is a Brit). Being American I also have my Govt insurance....if you want help fairly quickly I just use my personal insurance. People here with money have their own personal insurance so they can get help quickly. The UK system has + and - all over the place.
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05-07-2009, 07:49 AM
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#20
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Dryer sheet wannabe
Join Date: May 2009
Posts: 14
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Quote:
Originally Posted by haha
Whatever they come up with, it won't be this. Just like not everyone can drive a Mercedes, only the favored have Tricare.
Ha
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I think that most military retirees and their dependants would be surprised to find that they are specially "favored" after serving their country for so many years...but, they certainly are deserving of it.
__________________
...Pat
************
25% retired
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