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Discussion in 'Forum for Polls' started by SaggyWoman, Nov 17, 2007.
Do you have health insurance?
I selected other instead of workplace or personally paying. I pay a part of my premium, but the hospital pays most of it.
It looks like I am the only one without health insurance.
You can be sure it is not by choice.
We are self employed and paid our own insurance for many years.
The premiums went to 1700.00 per month for 3 people and if we had continued we would have gone bankrupt in a few months.
We pay insurance on our auction building for fire ,ect , insurance for extra liability, bond insurance, auctioneer libility ins. Automobile insurance for the auction trucks but we just can not afford health ins.
We had to make a choice. Believe me it wasn't easy. Now we just pray that nothing serious happens to us.
Hope this does not happen to any of you. MK
As one who has recently gone without health insurance, I definitely pray that God will protect you from harm and that he will find a way for you to have health coverage.
Thank you . I am sure that the Lord will look after us till we can juggle things around to include health insurance into our budget.
I get really frustrated over it and find myself being resentful at times when I hear that illegals are getting health care paid by my government taxes.
I really have to pray over this because I know that the Lord does not want me to feel this way.
I have been out of work for over a year so I have no insurance. I am relying on the VA for my medical care. That is a scarry situation but I have no choice at this time.
I am in school now planning on a new career and hope to be back at work in a year.
Way too expensive for otherwise pretty worthless coverage...if you want to call it coverage. We're looking for a new policy in the new year.
As a pastor, I'm considered self-employed. With a pre-existing health condition, nobody wants to insure me, or, if they do, they want a fortune. So, technically, I have no health insurance.
But... I do participate in Christian Healthcare Ministries (Formerly Christian Brotherhood Newslettter). I give a gift each month, and in turn, if I have a qualifying medical condition over $500, they will reimburse me for the costs (within their guidelines).
It's not as good as a good insurance plan, but it is FAR better than nothing. You can find out more about them at http://chministries.org/. I do recommend them if you have no insurance and no hope of getting it.
My husband has nothing, thanksfully so far he has been pretty healthy, I have some.
My husband and I have no insurance. We don't have any offered to us and are having trouble finding any that is affordable.
You hear right, they get priority even over our senior citizens and disabled.
My wife and I have Medicare and a medicare supplement, for which we pay, of course. When I was approaching retirement we worked with a financial planner who helped us work out what we would need in terms of investing and insurance. The medicare supplement he found for us pays promptly and disputes little or nothing, and has a better arrangement than most for payments for home care, should that ever become necessary.
If anyone is a year or two or so away from retirement, I recommend getting a financial planner to help sort through the options.
In Sweden we have a state health care system. You pay tax and get substandard healthcare for free.
My family has very good heath insurance for which our part is about $500 a month. My employer then kicks in their part which is even more than I pay each month. Out of pocket expenses after the premium are then very small. We only have co-pays for everything.
Most of our out of pocket expenses are because of Jeanne's illness. She has regular Dr. vists, lots of medication every month, and then ER visits, and an occasional Hospital stay. Because she is on Social Security Disability she also had medicare in addition to our health insurance.
Because of Jeanne's age and the fact that I have insurance medicare is the secondary payer for her expenses. For most things medicare pays nothing because our insurance pays more than the medicare approved ammount. What that does do for us is to eliminate our co-pay. Since the providor has recieved more than the medicare approved amount from our insurance they can not charge us the co-pay. So in reality this eliminates the out of pocket (on Jeanne) for everything except medication.
I purchase my own insurance. My rates are generally good, but my co-pays are a bit high. The one thing I really did not like was when they only paid what they had to for my first surgery and then stuck me with most of the bill. Why did they do this? They considered the surgery I had to be optional/cosmetic surgery (this after my ENT Doctor said I needed the surgery). Because of that I am 100% sure they will claim the exact same thing when it comes to the surgery I had last week. I wish some of the clowns who make the rules for these companies could spend a few months in my shoes. If they did, I promise they would never call the surgery I had optional.
In my opinion insurance is a necessary evil. I am not rich, and paying for the insurance hurts some months, but it is something I have to have. Hopefully I will get a full-time position with the state in the next year or two and then I can get the benefits that come with a state job.
I'm sorry to hear that, Martin.
Until the laws change, however, the only decent insurance will be employer-based.
MK -- You may want to look at a few options. Healthcare costs are just too high to do nothing.
Most states have a Healthy Kids program at minimal or no cost - you may want to check this out if you have children.
Also, the state of KY should have atype of Medicaid program known as Aid to Families with Dependent Children. This is a state-run program for working folks who just can't afford insurance on their own. Often, the premium is based upon a formula of what you can pay.
You may want to check on either a very tight HMO if they have one in your area. While you do have to go to their medical providers, it does provide coverage.
Lastly, another option is going to BCBSKY and looking at their high deductible plan. In effect, you will be self-insuring the first $1-2,000, but the premiums should come down significantly.