Do you have private health insurance?

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Do you have private health insurance?

Bignuf Bignuf
We go out with friends to dinner every Friday. Since it is a long weekend, we got together with the SAME group for a holiday cookout and to play on one of their fishing boats. Well, between Friday and today (Sunday) one of the ladies had fallen (simply slipped), in a parking lot, and reached out to stop her fall. When she did it, she "caught" on a car and realized...right away, she did SOMETHING "bad" to her arm. Bottom line, she spiral fractured her arm and $2400 in ER and orthopedic visit later..and with a cast on, she still may need surgery. However, she also informed us "I don't have any insurance" (thankfully she can afford to pay these bills, and will), however, we KNOW many folks cannot. She figured she was young and healthy (a 35 year old marathon runner, in fact), but she just didn't count on an accident.

So...be it through work, school or self pay, do you carry private health (injury or illness) insurance, or do you have government provided coverage of some type (military Tricare, Medicare, Medicaid..etc) or do you just "hope you won't need medical care"?

Voting is totally private, so you can be honest. I am just wondering how many other people are gambling on not getting ill, or just cannot afford to get coverage?
Answers (private voting - your screen name will NOT appear in the results):
I carry private health insurance.
23
I carry government provided health insurance.
4
I carry no health insurance.
10
Other?
3
Total votes: 40 (37 voters)
Poll is closed
09/05/2011
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Ansley Ansley
Can't afford it.
09/05/2011
Ghost Ghost
I have not had health insurance since I turned 18 and I doubt I will for a long time. I told my husband that if I ever get in a bad, life threatening accident, just let me die rather than incur a bunch of bills.
09/05/2011
Tuesday Tuesday
I'm lucky that I have great coverage through my job.
09/05/2011
Rossie Rossie
We buy our own health insurance, my husband's employer is too cheap to provide coverage for employees. Don't want to take a chance to go without insurance, in case unforeseen things happen, and doctor visits are so expensive these days.
09/05/2011
Lucky21 Lucky21
I am covered through my work, which is private.
09/05/2011
GenderSexplorations GenderSexplorations
Government provided insurance. It works good for most things, but some things wind up being out of pocket.
09/05/2011
EnMH EnMH
Private insurance through E's work.
09/05/2011
Yaoi Pervette (deleted) Yaoi Pervette (deleted)
No insurance. I tried to get insurance, but was denied due to pre-existing conditions. I was told to apply for a high risk insurance that is available in my state. The high risk insurance was expensive. I would have to meet like a $2000 deductible before they would pay 80%, plus pay over $100 per month in premiums. I can't afford $2000 out of pocket. Ridiculous.
09/05/2011
P'Gell P'Gell
We have insurance through my husband's work. It SUCKS. We used to have a choice of about 8 different plans. Now, it's ONE and you can take it or leave it. It is mega expensive, and they raised our deductible to $750.00 per year, without telling us. We never HAD deductibles until the Bush Administration, it was nearly 100% coverage with anywhere from $5.00 to $15.00 co pay for prescriptions. Now, we have copay and deductibles and a high rate per month. Also, the medicine copays are obnoxious. My paying $130.00 for a co-pay for a medication is common.

I HATE Blue Cross Anthem and Medco.
09/05/2011
Taylor Taylor
I am still under my parents' insurance for right now. As soon as I finish school and am working full time I will need to figure something else out. I hope I will be able to get it through my job.
09/05/2011
aliceinthehole aliceinthehole
only $2400 for an ER visit with a broken arm in the USA? sounds CHEAP to me.

i used to have insurance back in the day. it was ridiculous... $150/month for a 22 year old young doe. and that was for BASIC insurance. i was still paying $70/month in birth control pills/anti depressants.
then i got hit by a car on my bicycle, incurring $30,000 in hospital bills in ONE DAY.

the insurance cut that down to $7000, of which i paid $2500. after that, i was pretty much over insurance. they're useless.

i go to planned parenthood for vagina issues and spend the $80 to go to my general doctor for prescription anti depressants/anti anxiety. luckily the pills i get prescribed are almost always on the $4 kroger menu, and if not they've not been over $20. so it's fine.

i used to go to the health department (gov. run, long wait times but income based, and can be as little as $10 per visit) for gynecological checkups/tb shots for jobs, etc.


health insurance is a crock of shit. at least in the states.


a couple times i've had to go to the ER for UTI visits, etc. what i do in these cases is cry poor, as i am, and get the visit cost waived or cut into small payments.

but honestly i usually kind of just evade the phone calls and letters until i happen to move somewhere else... oops.
09/05/2011
Kkay Kkay
I've recently gotten health insurance through my partner's job.
09/05/2011
Shellz31 Shellz31
I don't and never have had any kind of health insurance. I'm blessed to live in a country where I don't need to - all that kind of treatment is totally free.
09/05/2011
Shellz31 Shellz31
Quote:
Originally posted by aliceinthehole
only $2400 for an ER visit with a broken arm in the USA? sounds CHEAP to me.

i used to have insurance back in the day. it was ridiculous... $150/month for a 22 year old young doe. and that was for BASIC insurance. i was still paying $70/month ...
Bloody hell - that's an absolute fortune each month.
And $80 just to go to the Dr????????
I simply couldn't afford to live in the US.

I only pay $5.60 for 6 months worth of Thyroxine and the Dr is free - including the blood tests where I get everything tested each time.


I really like the US, but I can't believe a country can do that to their people. Everyone should be entitled to decent health care - whether they are rich or poor. I just hope like friggin' hell that AU never treat us like that.
And when I visit the US I'm making sure to have very good travel insurance.
09/05/2011
Yaoi Pervette (deleted) Yaoi Pervette (deleted)
Quote:
Originally posted by Shellz31
Bloody hell - that's an absolute fortune each month.
And $80 just to go to the Dr????????
I simply couldn't afford to live in the US.

I only pay $5.60 for 6 months worth of Thyroxine and the Dr is free - including the blood ...
The health care system in the US is a complete crock unless you're rich enough to afford it. Some cities have free or sliding scale health clinics for low income individuals, but these clinics are pretty limited in what they can do for you. I don't generally disclose this information publicly, but I have Schizoaffective Disorder. I take both antidepressants and anti-psychotics as treatment. In my county, there is a program through the Department of Human Services that provides mental health care for uninsured, under-insured, and low income patients. Thank G-d for this program, because I would not be able to afford my medications or counseling otherwise. Still, I have to pay for regular visits with my primary provider and non-psychiatric meds. For non-psych meds, I spend over $100 per month. Each doctor visit is over $100 as well, and that's with the clinic's "uninsured discount".

I understand the importance of health care for children, but I feel like many assistance programs also discriminate against childless people. Up until a couple of years ago, only women and families with children could get BadgerCare (a type of public medical assistance).
09/05/2011
Tori Rebel Tori Rebel
I'm lucky enough to have great coverage through my employer. It's some form of Blue Cross Blue Shield - a PPO, but I'm not sure which one (they offer several). I pay 25% of the cost of the insurance, and the company switched to a higher deductible plan to save largely on the premium and gave each insured person a prepaid HRA visa card for the amount of the deductible. It may seem nonsensical but I've seen the math and based on the annual premiums the company still saves a lot of money doing it this way. We also get an employer funded FSA visa for $250 per year for over the counter, eyeglasses, etc. I've never not had health insurance though - I'd be way too afraid of something happening. Just this year I've had one set of x-rays, bloodwork, several doctors appointments, a dozen therapy appointments, 10 psychiatrist appointments, and had over $2500 (full value, not copay) in prescriptions filled. The $96 or so I pay monthly to my employer is more than worthwhile for all that coverage!
09/05/2011
Peggi Peggi
My plan itself is great, I'm with United Health Care under Cobra, because of pre-existing health issues, not many plans will accept me, right now I am paying $740/month, $30 copay to drs, $60 to hospital which I can't complain on that one, but I spend almost an entire paycheck on that bill alone! It's frustrating! If I didn't have to go to the doctor's so often, I'd consider not having any, until we're forced to buy private insurance like some states have been forced into. The only good thing about that, is at least I could pick which plan gets to screw me over for massive amounts of money
09/05/2011
married with children married with children
I have pretty good insureance, but that will change when obama's health insurance bill goes into effect. if you think it is expensive now, just wait.
09/06/2011
southern woman southern woman
My Husband and I are both 22 and we have private health insurance on all of us and we also have life insurance.. We dont have money as we are still kinda just starting out.. (we've only been married 2 years) and its hard to pay the monthly payments sometimes, but we'd rather have it than something happen and not. Plus we have 2 babies to think about.
09/06/2011
Coralbell Coralbell
I live in Canada, so doctors visits, surgeries etc. are free. I have coverage through my parent's employers for prescriptions, dental, and glasses.
09/06/2011
squire squire
Quote:
Originally posted by Coralbell
I live in Canada, so doctors visits, surgeries etc. are free. I have coverage through my parent's employers for prescriptions, dental, and glasses.
I am Canadian, too, but live in the US and have insurance through my employer. I get quick treatment here in the US but miss the feeling of no economic concerns associated with paying for illness in Canada. Both systems have their issues though..
09/06/2011
Jul!a Jul!a
I have health insurance through my husband and I haven't had to really put it to the test for anything yet. It's on par with what I had with my mom for prescriptions, but I've yet to have a doctor's appointment with it yet.
09/06/2011
P'Gell P'Gell
Quote:
Originally posted by Shellz31
Bloody hell - that's an absolute fortune each month.
And $80 just to go to the Dr????????
I simply couldn't afford to live in the US.

I only pay $5.60 for 6 months worth of Thyroxine and the Dr is free - including the blood ...
You live in a great place, Shellz. People have to do what Alice does just to stay even minimally healthy in the US. Our own oldest daughter has no health care, and it breaks my heart every day. She's sick right now and can't afford a doctor. She goes to Walgreens Take Care clinic and they do little. It's all she can afford, and we've already helped her out as much as we can. She has to beg the company that makes her Tourette medication, as it costs more than $200.00 a month out of pocket and she can't afford it. She lost her job that had health care, and couldn't afford the $800.00 a month COBRA payment, so she's shit out of luck. We're freakin' middle class and this happens! My OWN child can't see a doctor when she needs to, and GE doesn't pay any taxes. Nor do many billionaires. We get no health care to let the VERY RICH live their lifestyles. What a fucked up place this is!

In a society where the rich have SO much and the middle class and the poor can't even see a DOCTOR when they need to, it's a shame, a real sin.

My youngest daughter's Pediatric Neurologist costs $280.00 a single visit! As our deductible was raised, we have already paid for two of these out of pocket, plus several of my visits to my doctors.

I can't explain how bad it is here, especially since the Bush Administration made it easier for the RICH to not have to contribute to the General Welfare of the Country. They don't give a shit, just want their own stacks of cash and fuck the rest of us.
09/06/2011
Beck Beck
I get medical from the state, my husband was unemployed and could not afford to keep insurance he had from his laid off job. We have two kids so had no choice but to go to welfare office and get medical for the boys, and found out that we could get it also. I use it to get my birth control pills. It is 100% free, we only had pay $2 for our epi pens.

My husband started new job today, so when he has in 90 days he gets to carry insurance. This is going to cost us $180 per week, not including dental. This is insane! Luckily we will be able to keep the state funded insurance for the kids. We will need it. Many people do not realize if you have kids the income guide line for the kids to get healthy start card is like $3500 a month, for a family of four. It goes up from there, also if you get pregnant and have no insurance this is the income guide line. Plus there are charity hospitals that do free care also. My parents have to drive an hour to get their free care, but it works out for them in the end. They get to see all the dr's they need and get free diabetic meds.
09/06/2011
El-Jaro El-Jaro
When I was at my poorest and living on the Bridge card (food stamps), I had the best insurance. Kinda sad how that works, huh?

I don't have insurance now, so I try to be safe.
09/06/2011
Total posts: 26
Unique posters: 23