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Insurance - Page 2


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Old 11-14-2011, 20:25   #11
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I could be wrong, but I think inmates in the county jail get free medical care too . . . what a slap in the face to all the rest of us!




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Old 11-14-2011, 23:21   #12
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I have often told people that my insurance company would much rather me just die from my diabetes as opposed to actually offering me the medical equipment necessary to my life. There would be no other reason they would fight over ever strip, unit of insulin or pen needle.

They would rather loose me as an expense and only insure healthy people. It makes business sense but it does not make sense for the business they are in. Come on, people. This is a serious disease. I am trying to make my body healthier so you don't have huge expenses down the road. Isn't it worth the minimal expense now to avoid the huge payout later?

Like I said, they just wish we would all die. I plan to live a long time and cost them a lot of money.

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you didn't do anything wrong. Just remember that getting poked is an unnatural thing for you body and sometimes it just has to say that it didn't like that.
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Old 11-14-2011, 23:41   #13
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I spent almost an hour on the phone with Blue Cross today trying to lower my $1200 a month premium with a $6000 deductible. Even after you meet the deductible you still pay 20%. I figured the worst case scenario we would pay $21000 before our insurance kicked in. It was good that I called because I realised we could cut our Insurance premium by almost $600 by raising our deductible to $11,000. So it would become a Catastrophic policy. We have never met our deductible anyway and we stay pretty healthy ( no thanks to my insurance). The first question she asked me is if I used Insulin and she asked me how many times a year I go to the doctors. I told her I would like to go twice a year but sometimes I only go once because of our deductible. I do my own HbA1c tests at home and my doctor is OK with that. I am so glad I didn't go on insulin, I can just imagine what my premiums would be. So I am filling out the forms tonight and hoping when they do the underwriting they don't find a reason not to give me the higher deductible.

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Old 11-15-2011, 00:37   #14
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Quote:
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Prison inmates get their medical care for free - don't they?
No not really. They are kept alive but they have no choices as to what mess they get and when they get them. They pay a bigger price than just loosing their freedom.

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Old 11-15-2011, 02:42   #15
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I have often told people that my insurance company would much rather me just die from my diabetes as opposed to actually offering me the medical equipment necessary to my life. There would be no other reason they would fight over ever strip, unit of insulin or pen needle.
The government is no better if not worse. It is very common for people applying for disability to be denied until their third application, even if the application materials are the same each time. Never mind that someone could become homeless and even dead in the interim. That's precisely my concern about the idea of a government run healthcare system.

My gf used to have a job from which she'd come home crying some days. She was a phone rep for Medicare/Medicaid and she had to tell people they couldn't have their insulin and/or lifesaving procedures because they weren't covered. More government in medicine is just what we need. Oh yay! <sarcasm alert>

How about we go the other way. Offer 100% tax deduction to people who donate money to charities which use the funds to give free pumps and other vital supplies to people in need provided they distribute a given % of their contributions. Winning.

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