Health insurance. Do you have it?
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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.
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.
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.
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...
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. less
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.
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.
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.
Since we both work part time it is not offered, the kids are on state funded insurance though. Pretty relived about that.
What we ... more
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. less
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.
That said, we don't use it very much.
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.
That said, we don't use it very much.
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.
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