ask the government for cheese

[Beelzebubbles]

I say if you ask the government for cheese.
You will get government cheese.

We need to be very carefull of what we ask of our Gov.
We need to be carefull they give us what and only what we ask for.

I wonder when people stopped taking responsibility for their own lives.

I work four jobs pay my own health care (didnt like the stuff from work) and i eat right am very healthy and have not had to use my insurance in over ten years.


Sorry just watched the news had to rant.

 

[Dace]

 

[Beelzebubbles]

Thank you so much for the welcome.

 

[sylvie]

I wish there had been some regulation of health care insurance companies so that we didn't have to get to this point.
We had health insurance through my DH's workplace. When he became ill, without a pre existing condition, he was fired from a job of 29 years, his insurance was canceled retroactively. We were left with a ton of bills, he was uninsurable and went on Medicare.
If they had been decent and policed themselves they wouldn't have found themselves now about to pay the Piper. I have absolutely no sympathy for the health care insurance companies. None what so ever.


Good for you on being able to work four jobs.
Glad the jobs are available to you and that you aren't ill or a care taker for an ill person, as I am, which prevents me from working more than one job; if there were jobs available.

Sorry to rant on your rant.

 

[Wifezilla]

I don't have insurance. I pay cash or make payment arrangements for big stuff.

Of course, not eating refined carbs has improved my health to the point I will not likely need a doctor unless I trip over one of the cats

 

[big brown horse]

I don't have insurance. I pay cash or make payment arrangements for big stuff.

Of course, not eating refined carbs has improved my health to the point I will not likely need a doctor unless I trip over one of the cats

Wifezilla, TOO FUNNY!!

Growing up we never had health insurance. My dad paid for everything (we were never sick either) in cash. He kept a high limit credit card for health emergancies. It was a risk, and it drove my mother insane, but he saved tons of mula.

He told me he put the same amount of money in savings every month that he would normally pay in insurance costs for our family of 4.

 

[Beelzebubbles]

I wish there had been some regulation of health care insurance companies so that we didn't have to get to this point.
We had health insurance through my DH's workplace. When he became ill, without a pre existing condition, he was fired from a job of 29 years, his insurance was canceled retroactively. We were left with a ton of bills, he was uninsurable and went on Medicare.
If they had been decent and policed themselves they wouldn't have found themselves now about to pay the Piper. I have absolutely no sympathy for the health care insurance companies. None what so ever.


Good for you on being able to work four jobs.
Glad the jobs are available to you and that you aren't ill or a care taker for an ill person, as I am, which prevents me from working more than one job; if there were jobs available.

Sorry to rant on your rant.

I as well have no sympathy for the health insurance companies.
I think it is deplorable what they did to you and yours.
the same thing happened with my mother.

there are always exceptions

what i meant by my rant was there are people that would be healthy if only they would treat themselves correctly they would not need the companies so much and the people that truly do need the help can be helped. my brother is an example of what i am talking about he eats crappy food and always sick or tired his kids think dinner comes from a drive-thru they are always sick when they dont need to be. he is the guy sitting in the waiting room getting in to see a doctor before my mother can be seen(when sitting is the waiting room is a serious chore for her).
these companies make a killing from the majority of us that are slowly killing ourselves


as far as the jobs go there are not many jobs where i am.
I work four part time jobs that others would probably turn their noses at...but they pay for what i need including my mothers meds that she cant live without ...we all find ways to take care of the ill that we love.

Take care
and bless you for what you do.

 

[cjparker]

With two bouts of cancer and a major surgery to fix the aftereffects of radiation therapy, I have NO LOVE LOST for insurance companies. When I was in the hospital for my radiation implants, my insurance company tried to DENY me a private room, even though no one could be exposed to me for more than 10 minutes a day. Would you have wanted to be my roommate?

Having said that, having no insurance at all is a recipe for financial ruin should anything happen that would incur high bills. How does one pay off a couple hundred thousand without resorting to bank robbery? Just laying in the dang hospital bed can run 6-12 thousand a DAY, and that doesn't include doctor fees, meds, anesthesia, etc. It is NOTHING to need $200 a day in meds if you are seriously ill. Please people, consider a health insurance with a very high deductible, just to be sure you don't lose everything after a bout of pneumonia, cancer, bad fall that requires surgery, infection, etc. It can happen to anybody, no matter how good your lifestyle is.

 

[Frosting]

cjparker is right. I have a BIL that has cancer. They have bills piled high with good insurance. Their bills collected when they reached the limit to some of the treatments the first year. I can't imagine the bills that would have piled up without. He would be dead today as there is no way they could afford his A $700 a month cancer pills much less the rest of the pills he's on.

 

[FarmerChick]

remember also

medicaid can be used as insurance.

you do not have to be homeless or have very low income

medicaid does provide for families that have higher incomes, and will have to have a deductible.

this is from my NC state medicaid website.





Medicaid Deductible
What is the Deductible?
A Medicaid deductible is much like a private insurance deductible. You must pay a certain amount of medical bills before insurance pays. Unlike private insurance, the Medicaid deductible is based on your income. If your countable income is more than the Medicaid income limit, you will have a deductible.

Medicaid eligibility is usually determined for a six month period. This is called a certification period. The monthly income limit is subtracted from your family's countable monthly income. That amount is multiplied by six. The resulting amount is your deductible for the certification period.

If you must meet a deductible, Medicaid will not pay for medical expenses until after the deductible is met.

Whose income and medical bills count toward the deductible?
For married couples, the incomes and medical bills of both are counted. A parent's income and medical bills must be counted for a child.

How do I meet the deductible?
A Medicaid deductible is met by adding up medical costs. Payments for medical care, supplies and prescriptions may apply to your deductible. You will be authorized for Medicaid on the date that the bills add up to the amount of the deductible. You will be authorized to receive Medicaid through the end of the 6 month certification period.

Only the portion of the bill that you must pay can be applied to the deductible. You cannot use bills that someone else pays for you or that insurance pays. If insurance pays part of the bill and you pay the rest, only the part that you have to pay is counted.

Medicaid will not pay for medical expenses used to meet the deductible.

If you have a large medical expense or if you are close to meeting your deductible, take your bills to Social Services as soon as you get them.

Medical Bills
The following can be used to meet your Medicaid deductible. You may want to provide your worker at social services with information on these items.

Unpaid Medical Bills
An unpaid medical bill may be used to meet your deductible. It must be a Medicaid bill described below in "Current Medical Expenses." In order to use this bill, your worker must verify the following:

The bill must be less than 2 years old.
If the bill is over 2 years old, you must have made a payment on it within the past 2 years.
The bill must be unpaid and the medical provider is still billing you.
All medical insurance you had at the time must have been filed and either paid or denied payment for the bill.
If you borrowed money to pay off a medical bill, you should let your worker know so that he or she can see if you can use it to meet your deductible.
Once you use an unpaid medical bill for your deductible, it cannot be used again on another deductible.

Current Medical Expenses
Current medical expenses that are your responsibility may be used to meet your deductible. They may be either paid or unpaid. Take your bills or receipts to your worker. Always ask the worker to make a copy of your bills so that you can keep the original for your own records.

Medical expenses include the following:

Hospital charges
Clinic and laboratory charges
Visits to the doctor, dentist, or therapist
Prescription drugs
"Over-the-counter" drugs such as aspirin, Tylenol, Pepto-Bismol, Benadryl, cold medicines
Medical supplies such as gauze, bandages, needles for medical injections, absorbent pads for the incontinent, alcohol
Equipment such as dentures, eyeglasses, hearing aids, walkers, wheelchairs, crutches, braces
Vitamins or supplements such as Ensure, if prescribed by your doctor
Transportation to the doctor or hospital
For over-the-counter medicines and supplies, you must have a receipt.

Other
Premiums you pay for private health insurance can usually be used to meet your deductible.

Ask your worker about medical expenses not listed.





Lets just say it is better than nothing or going in the hole a small amt. on a large deductible is better than having over 500K worth of medicals on your bills.



there is answers out there for people.....most need to search
and those of us with private insurance, we usually never know the true amt. of help that is out there or every use the govt. benefits or even try.

just throwing this out for anyone who might need help