Health insurance. Do you have it?

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Health insurance. Do you have it?

Dawn (Lilac Distraction) Dawn (Lilac Distraction)
These days, a lot of people are without jobs or suitable insurance. Because of this, a lot of people are going without the health care that they need. Where do you fit in?
Answers (private voting - your screen name will NOT appear in the results):
I have health insurance.
85
I have dental insurance.
53
I have vision insurance.
44
I don't have health insurance.
33
I don't have dental insurance.
46
I don't have vision insurance.
48
I have insurance and I see the doctor as much as I need to.
30
I have insurance and I can't afford to see the doctor as much as I need to.
16
I don't have insurance and see the doctor as much as I need to.
3
I don't have insurance and don't see the doctor as much as I need to.
19
I have a medical condition that is covered by my insurance.
20
I have a medical condition that's not covered by insurance.
10
I don't have insurance and have a medical condition.
9
Total votes: 416 (123 voters)
Poll is closed
10/12/2011
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Ghost Ghost
I lost my insurance in 2005 and it looks like I still won't have insurance for a long time yet. I am healthy and have no medical conditions that I know of, but you just never know what will happen, right? I told my family that if I ever got into a bad accident, just don't call the ambulance until I'm already dead to save everyone from being in debt for the rest of their lives, and to not give me a funeral.
10/12/2011
Peggi Peggi
I have medical and dental insurance. It covers my medical conditions, such as therapy, GI issues, back problems and migraines. I had vision insurance but I don't anymore because I had Lasik about 2 years ago. I spend a fortune on my health insurance, but it also covers my prescriptions, which would cost a fortune without it, more than the insurance itself! It sucks that I have to pay as much as I do, but I have pre-existing medical conditions.
10/12/2011
Redboxbaby Redboxbaby
Without insurance my daily injections (which do nothing except possibly slow the progression of my disease) would cost well over $45,000/year, that does not include my annual MRIs for the rest of my life. Thank God I have those covered; unfortunately, that's about all they will pay for. They won't pay for massage therapy which helps relieve spasticity, or chiropractic care to realign my spine after a fall. No, they would rather give me pain killers and muscle relaxers that keep me zombified and unable to work, unable to get out of bed, unable to wake up, and unable to show my face in their office. All they will pay for is drugs, any drug at all, for any reason.

I recently told my doctor last week, I was worried how my fatigue level was interfering with my driving and asked for his advice on if I should scale back my hours. He was not the least concerned, hell, he offered me amphetamines and Ritalin to keep me awake for those long, dark, snowy drives.

I am not sure that drugging me is really my best option. I wonder how the cops would feel if they got to weigh in on that conversation.

Sorry I rambled off topic...still upset about that I guess.


So even though I have insurance, I do not go to the doctor as often as I should. They do not offer preventative care and according to my insurance company, Preventative Care is not the same thing as Primary Care and unfortunately, Primary Care is the only thing they offer.

As far as dental is concerned, yes I have Dental Ins. too, but that is a joke as well. I had a cavity filled and one filling (from 20 years or so ago) replaced. It cost me over $300 cash THAT day! No one even warned me that our insurance now only pays $30 for fillings, instead of $95 like they did 6 mos. ago.
10/12/2011
Starkiller87 Starkiller87
I recently got my insurance back, because of the under 25 law that was passed. It would've been awesome if I got it a few months earlier but it has helped a lot. I've seen a lot of doctors the past year, had a lot of er visits, gotten a LOT of prescriptions. Because of insurance some of the burden has been taken off. Since Im out of state I pay slightly more out of pocket, but it is a lot better than what I would normally pay without insurance.

Things like therapy and stuff like that does get covered by my insurance but I have to get approved say for 12 sessions at a time. And then they re approve me based on necessity, which I haven't had a problem with so far over these years. But yeah certain things I have to get approved, and other things I have to do it through reimbursement first. Other than that its been pretty smooth sailing.
10/12/2011
Errant Venture Errant Venture
I don't have medical insurance, as it's not needed with the NHS.
10/12/2011
- Kira - - Kira -
I have health insurance through my job. Next year our plan will change and two of my doctors for my health condition will become out of network. My drug costs will also go up. I see my doctors at least once every two weeks and take seven medications. The monthly cost for this lovely new plan will be higher than my current plan. Oh, and the deductible is insane. I'm estimating that my total healthcare costs for next year will be around $16,000. I'm glad I have insurance because I'd hate to think what it would be without it but I'm super pissed about the new plan. If my son or I get hospitalized we will officially be screwed. Because of this lovely change I had to drop out of school last week because I will no longer be able to afford to buy my medicine as well as go to classes. Had to pick and the meds won.
10/12/2011
toxie m toxie m
I live in Cananda. I get health insurance both through my school and through my dad's work.
10/12/2011
padmeamidala padmeamidala
Quote:
Originally posted by Dawn (Lilac Distraction)
These days, a lot of people are without jobs or suitable insurance. Because of this, a lot of people are going without the health care that they need. Where do you fit in?
I live in Canada so health insurance is almost always covered. I have both health and dental insurance. Anakin gets great coverage through his work for us and our family.
10/12/2011
KrazyKandy KrazyKandy
I have no health or dental
10/12/2011
Jul!a Jul!a
I have medical insurance, but not dental or vision. I did pay out of pocket for my husband and I to both get vision tests and glasses this year, but I haven't made it to the dentist yet. I'm thankful for the medical insurance (so far) covering my visits to the chiropractor. My back feels a lot better and I don't get the shooting pain as often as I used to. Now we just need to figure out why my hip doesn't like my running and I should be able to seriously cut back on appointments, because 4 times a week just seems a bit excessive to me lol.
10/12/2011
Bignuf Bignuf
Quote:
Originally posted by Dawn (Lilac Distraction)
These days, a lot of people are without jobs or suitable insurance. Because of this, a lot of people are going without the health care that they need. Where do you fit in?
Listen up folks. My dad gave me GREAT advice in college. He said EVEN IF YOU CANNOT afford to eat, you cannot afford to be without medical insurance even more. If you must decide between bread and bologna, and just bread and an insurance policy....GET INSURED...always.

I took that advice, after graduating college, without two nickles to rub together, but DID manage to find a $24 a month, minimum coverage catastrophic policy (this was 30 years ago) , at a Kiosk in the middle of K Mart (it was an ALLSTATE kiosk). I was YOUNG, HEALTHY and not a care in the world.

The following week I was in the hospital ICU, hemorrhaging and with a ruptured appendix and peritonitis and FIVE abdominal surgeries later, had racked up a bill of nearly 3/4 of a million dollars (that, again, was 30 years ago). Without insurance I would have been financially destroyed forever. With it, I ended up with a $5000 bill that I paid off over the next five years.

Going without health insurance is like swimming with hungry great white sharks and not worrying about it, since the water is clear and the sun is shining.

It is dangerous and a HUGE life altering risk to take, for no good reason.
10/12/2011
Nora Nora
I have insurance, but we had to go in a round-about fashion to get it for me. My boyfriend works for an insurance company, in the IT department, and his work offers "domestic partner" insurance to its employees (not usually the case). So, by living together for more than 6 months (around 7 years now) and putting me as the sole beneficiary...we became domestic partners, as far as his work is concerned.

I've had Diabetes for over 20 years, and have spent a good portion of my adult life with no insurance at all. Insulin alone, without the mandatory doctor's visits gets expensive fast! We are very lucky to have such good insurance now. They pay for "most" of the cost of prescriptions (I have co-pays for insulin that total $105 each month, but I save over $1000 each month), 80% of dental, 100% eye care, and 80% of most medical after our deductible.

I am currently scheduled for robotic surgery next week for a "volleyball-sized" fibroid, I have no idea what I would be doing without my insurance! Except maybe applying for Guinness book of world record status next year as the fibroid continues to grow...
10/12/2011
Ansley Ansley
Quote:
Originally posted by Bignuf
Listen up folks. My dad gave me GREAT advice in college. He said EVEN IF YOU CANNOT afford to eat, you cannot afford to be without medical insurance even more. If you must decide between bread and bologna, and just bread and an insurance ...
Easier said than done.
10/12/2011
unfulfilled unfulfilled
I HATE Doctors. No offense if anyone is a doctor on here. My kids have state sponsored insurance and I need to look into getting my husband some insurance b/c he's a state employee and I think he can get it free too, but I do not have insurance and never go see a doctor so I don't really need it. I would be a extreme emergency type of girl before I went to the doctor.
10/12/2011
P'Gell P'Gell
I have several fairly serious medical conditions, as do two of our daughters. Four of the five of us have medical insurance through my husband's job. IT SUCKS! The copays on the meds that keep me functioning are high (how $127.00 copay on ONE of the seven drugs I have to take to stay alive is "saving me money" is a stretch to me) they don't cover everything, no chiropractic, no herbal therapy, nothing other than regular MDs (which I NEED) and hospital care. I'm waiting to find out if Botox will be covered, as it IS useful for migraines and it could cut the amount of meds I have to take a lot. It was only FDA approved for migraines a few months ago, and even now, many insurance companies won't cover it. I hope mine does, but I'm not holding my breath.

Our deductible went up to $750.00 this year, without telling us. And our part of the monthly payment for this shittiest kind of Blue Cross will be going up 75% next year! Assholes.

Our oldest dd lives on her own and is no longer on our insurance. She lost her job, which provided her with insurance and now she and her boyfriend are not covered. She has two severe neurological issues and some immune system disorders and does not qualify for state insurance, so she goes without. It breaks my heart, that in the richest country in the world, people who work hard and contribute to society cannot see a doctor or get meds when they need them.

My best friend's husband went the first 55 years of his life and NEVER used his medical insurance. But, he had it. He never went to the doctor, he claimed he was "never sick a day in my life." He had some shoulder pain that was getting worse and worse and finally broke down and saw a doctor for the first time in 50 years. He was diagnosed with bursitis in his shoulder 3 years ago, the pain got worse and worse, and it was realized that the pain was because he had undiagnosed Stage 4 Lung Cancer which had metastasized to his bones. His medical bills over the next 3 years were over One Million Dollars. My friend lost her husband less than a year ago, but he had the right meds to make his last days, where he could die at home, peaceful and nearly pain free. She also did not lose her house or her car, or go into bankruptcy, nor does her son have to skip college, which surely would have happened if he had not had medical insurance despite claiming for decades, "I don't really need insurance, I never get sick." He did.

Insurance isn't just for you it's also for the people around you and the people you leave the bills to when something catastrophic happens. They bill your next of kin (husband wife and in some states, even your children) when you die of something and leave bills. Either that or you can lose you house, car and everything else if you live after something expensive needs to be treated.

I think if people can at all afford it, they should have some medical care. Sadly, not everyone can afford it. However, I DO NOT understand people who "choose" to not get medical care if they can at all afford it. It may well be that if (when) they get sick and don't have coverage and their relatives can't pay, people like me end up paying for it in increased insurance payments, increased doctor bills, increased ER bills, increased drug prices etc.
10/12/2011
ToyTimeTim ToyTimeTim
Nope, but never had needed it much, either me or the wife. She could use it for her yearly deal though.

Since we both work part time it is not offered, the kids are on state funded insurance though. Pretty relived about that.
What we really need is dental, the wife has a cavity or two and I need a root canal. Until one of us brings home more money or hours we suffer through it.
10/12/2011
Ash1141 Ash1141
I have medical and dental thru my husband's job.
10/12/2011
wrecklesswords wrecklesswords
I honestly don't know if I have any medical issues, but a lot of signs and the fact that a lot of family have it makes me think I do. My mom thinks I'm anemic, and my girlfriend thinks so, too. I show all the signs very often.

Also, a few years ago, I fell on my right knee. I never went to the doctor because I didn't think it was that bad. I should have taken it's swollen size and discoloration that lasted about a month and a half in consideration. Now, I'm pretty positive that I fractured my knee cap. It never healed properly. So, now since I didn't go to the hospital like I should have, I have to deal with the pain and swelling for the rest of my life.

I'd love to have insurance, because then I could go get glasses or get my teeth fixed. But I just... don't even make enough money to pay my one bill: rent.
10/12/2011
Bignuf Bignuf
Quote:
Originally posted by Ansley
Easier said than done.
Not easy at all. We were just out of college, waiting to start grad school, both working MINIMUM wage jobs just to eat. We made a TON of sacrifices....literall y choosing between bread and peanut butter once...since we did NOT have the money for both. Using "borrowed" McDonalds Ketchup packets to make a psudo tomato soup. I KNOW poor and despite that, I was SURE GLAD we had that ultra cheap insurance, since when it hit the fan...it really HIT the FAN...without warning. Just saying, you NEVER know when lightning, a drunk driver or a hot appendix is going to strike...healthy as you may be.
10/12/2011
Beck Beck
I have it for now. It is going to change soon. I am not sure what we are going to have coming up. I know it is going to cost an arm and a leg. $180 a week with out dental and vision each are extra $25.
10/12/2011
Bignuf Bignuf
Quote:
Originally posted by unfulfilled
I HATE Doctors. No offense if anyone is a doctor on here. My kids have state sponsored insurance and I need to look into getting my husband some insurance b/c he's a state employee and I think he can get it free too, but I do not have insurance ...
WHOOOOOOO....perhaps your anger and hate is misplaced. You hate folks who worked their asses off in school, went without income for twelve or more years to then work 80-100 hours a week, to TRY and help people and are angry at THEM because of medical cost or insurance? Nope...misplaced anger on several counts. If you want to get angry, how about being mad at the certain liberal bent party who supports lawyers and lawsuits so that half of what the doctor MUST charge is to cover malpractice costs. How about those same people who determine who gets what care...and does NOT leave it up to a decision between you and your doctor? The doctors are not to blame for any of this and hate the folly of government regulation and insurance company bickering more then you will ever know. How is a doctor responsible for ANY of that mess that they too are caught in the middle of????
10/12/2011
Ansley Ansley
Quote:
Originally posted by Bignuf
Not easy at all. We were just out of college, waiting to start grad school, both working MINIMUM wage jobs just to eat. We made a TON of sacrifices....literall y choosing between bread and peanut butter once...since we did NOT have the money for ...
That $24 a month you paid is now $100-900 a month depending on the company you choose. So, that choice of sandwich with bologna or a mustard sandwich without protein is a fallacy. It's more like do without car insurance, two weeks worth of groceries or electricity in order to carry non-employer sponsored health insurance.
10/12/2011
P'Gell P'Gell
Quote:
Originally posted by ToyTimeTim
Nope, but never had needed it much, either me or the wife. She could use it for her yearly deal though.

Since we both work part time it is not offered, the kids are on state funded insurance though. Pretty relived about that.
What we ...
It makes me so sad that hard working people can't even see a doctor or a dentist while the rich buy $40,000 shower curtains, take private planes to their lunch dates and spend money like water.

I hope one of you finds full time work Tim.

I just got a part time job, I was looking for over a year. It's something I love to do (Lactation Consulting) and even though things were tight, I'm glad I didn't take the deal at Macy's and looked for something back in nursing. (Although Macy's is hiring for Christmas, they REQUIRE evenings and weekends from everyone. Don't they know people have families?) I don't know if there is a Macy's near you, but they are hiring. The pay is OK, if you don't mind working weird hours.
10/12/2011
hjtee hjtee
Living in Canada, most hospital related things are paid for, or partially paid. Through my husband's work, we do get all dental and vision paid for. It's great!

That said, we don't use it very much.
10/12/2011
P'Gell P'Gell
Quote:
Originally posted by Bignuf
WHOOOOOOO....perhaps your anger and hate is misplaced. You hate folks who worked their asses off in school, went without income for twelve or more years to then work 80-100 hours a week, to TRY and help people and are angry at THEM because of medical ...
Less than one tenth of One Per Cent of Medical costs is due to "lawsuits." Go to Factcheck.com.

The reason medical care is so expensive is that equipment too expensive and drug makers can charge whatever they want, even after all their "research costs" have been paid for 1000 times over. Yes, doctors and nurses have to carry liability insurance, but so do roofers, contractors, architects, and other professionals who deal with the public. Aside from OBGYNs (two patients, more to go wrong) Medical Malpractice Insurance isn't that expensive and the hospital usually pays for ALL of it.

No, I don't think she should be mad at the doctors, they really rarely ever set their own costs, and that $375.00 office visit (the average cost to see a specialist in our area) also has to pay the receptionist, the nurses, the techs, the equipment costs, the rent on the space, the electricity, etc. But, don't blame "Trial Lawyers" few people are getting rich on medical law suits. And doctors may PRACTICE to cover their asses, but they don't have to do so.

I've spent most of my life working with doctors. NOBODY is avoiding going into medicine because of the cost of malpractice insurance. It's no different than the liability insurance of any other industry.
10/12/2011
P'Gell P'Gell
Quote:
Originally posted by hjtee
Living in Canada, most hospital related things are paid for, or partially paid. Through my husband's work, we do get all dental and vision paid for. It's great!

That said, we don't use it very much.
Wow, I really wish we had what you guys have up North. *sigh*
10/12/2011
Ansley Ansley
Quote:
Originally posted by P'Gell
Wow, I really wish we had what you guys have up North. *sigh*
It's not all peaches and cream up there when it comes to healthcare. I don't think there's a perfect solution, but something has to be done and soon.
10/12/2011
Hot 'N Sexy TexasMama Hot 'N Sexy TexasMama
Wow - you guys make me feel grateful.

Hubby was in the US Air Force for over 20 years - our healthcare upon retirement was originally supposed to be free when he enlisted -but now its like $400 per year (I don't have the exact figures).

For that - I can see the doctors on the military base for free and get free prescriptions and Xrays and lab work and stuff.

We do buy vision insurance through his work and we are talking about adding dental this next year too - we dropped it a couple of years ago.
10/12/2011
chicken12 chicken12
I no longer have any type of insurance. I was dropped when I turned 21. The biggest problem is that I have ADHD (ADD) and adderall costs over 200 dollars a month - but it's something that really helps me. I'm a college student in my fourth year, writing my undergraduate thesis, and I can't concentrate like others can.

>.x
10/12/2011
Total posts: 87
Unique posters: 64