Insurance

[Guest guest]

I use RLI Insurance Company for my soap business. The person I

contacted was L. through American Express Property

Casualty Companies, 888-269-9171 ext. 8-5634 This is the name and

number I have on her business card...if she is still working there. I

pay $190 per year. Hope this helps, Kim C

[Guest guest]

I need to find a good insurance company that will insure soap etc

and candles. I make both and I'd like to be able to seel both. RLI

insures candle " sellers " but the candle can't have been made by an

incividual. Any suggestions?

Thanks,

>

>

> Hello all,

>

> I spent a lot of time researching insurance for my business

earlier this

> year and the best deal I found by far was through RLI Insurance.

They

> have a special policy for in-home businesses and it is a really

> reasonable cost. You buy through an independent agent (they can

refer

> you to one near you). Here is a link to more info:

>

> http://www.rlicorp.com/Products/IBP/buy.asp

>

> Good luck!

> Amy.

[Guest guest]

Euromedics dropped their insurance link to MIR Insurers earlier this

year when the fees rose. Euromedics website explains their view

(www.euromedics.eu.com) & they no longer offer members insurance.

MIR (Medical Indemnity Register) do group & individual cover, but at

a price.

I found the MDU could cover me for my motorsport paramedic work at

about GBP 360 a year & as a nurse the RCN membership indemnity

insurance seems to cover paid work.

Other Resus. Officers have also taken MDU cover for their out-of-

hospital work

Ian

[Guest guest]

Thanks for the info. I have been investigating numerous avenues and

been onto the insurers who cover the M.D.U, who have in turn put me

onto specialist brokers. The issue is cover for international work

and although I am a nurse by background I am working beyond what used

to be called the normal 'scope of practice'.

Regards

>

> Euromedics dropped their insurance link to MIR Insurers earlier

this

> year when the fees rose. Euromedics website explains their view

> (www.euromedics.eu.com) & they no longer offer members insurance.

>

> MIR (Medical Indemnity Register) do group & individual cover, but

at

> a price.

>

> I found the MDU could cover me for my motorsport paramedic work at

> about GBP 360 a year & as a nurse the RCN membership indemnity

> insurance seems to cover paid work.

>

> Other Resus. Officers have also taken MDU cover for their out-of-

> hospital work

>

> Ian

[Guest guest]

I have a private practice, and I don’t

bill insurance directly. My patients pay me directly, and receive a coded bill

with ICD and procedure codes. I code for morbid obesity, and anything else

that they may have (DM, HTN, hyperlipidemia, etc.). I know that patients have

received reimbursement from their insurance companies for their visits me. It

just depends on the insurance.

Runkle, MA, RD, LDN

Building on Basics

Nutrition Consulting Services, Inc.

From:

[mailto: ]

On Behalf Of kiwi_razz

Sent: Tuesday, May 03, 2005 1:24

PM

Subject:

insurance

I have been told by the director of the bariatric center that the

nutrition component is NOT reimburseable. I was

under the impression

taht insurance companies DO reimburse for

counseling when specified

for medical reason. I work in a VA setting and do

not deal with

insurance companies (lucky me!)- but now it seems

I need to do some

research!

Does anyone get reimbursed, and if so HOW and what

CODE/S do you use?

Thank you!

[Guest guest]

--- The practice I work for does bill insurance for me, I don't have

to deal with the paperwork at all (lucky me). I am reimbursed about

20% of the time per my count. I can't remember the exact code we use

for nutrition but they also include codes for any co-morbidities.

There is a link in the archives from about 2 weeks ago.

Charlier, MPH,RD, LD

[Guest guest]

We bill using the codes - 97802 - Medical Nutrition Therapy Initial assessment, and 97803 Medical nutrition Therapy re-assessment - it varies with how much we get reimbursed depending on the insurance company.

Jerry kiwi_razz <Aimee.Mattiolo@...> wrote:

I have been told by the director of the bariatric center that the nutrition component is NOT reimburseable. I was under the impression taht insurance companies DO reimburse for counseling when specified for medical reason. I work in a VA setting and do not deal with insurance companies (lucky me!)- but now it seems I need to do some research!Does anyone get reimbursed, and if so HOW and what CODE/S do you use?Thank you!__________________________________________________

[Guest guest]

> I have a private practice, and I don't bill insurance directly.

My patients

> pay me directly, and receive a coded bill with ICD and procedure

codes. I

> code for morbid obesity, and anything else that they may have (DM,

HTN,

> hyperlipidemia, etc.). I know that patients have received

reimbursement

> from their insurance companies for their visits me. It just

depends on the

> insurance.

>

>

>

> Runkle, MA, RD, LDN

>

> Building on Basics

>

> Nutrition Consulting Services, Inc.

>

>

>

> _____

>.

Would it be possible for you to post the codes you use? I am in

private practice as you are and do not accept direct reimbursement.

Most of the time my patients don't even ask about it but I would

like to be sure that I code appropriately if they need that

information. The ones I have given reciepts, etc to, I have never

heard if they recieved reimbursement or not.

Thanks,

Beverly Millison MS RD/LD

[Guest guest]

We use the same codes and also codes for obesity/morbid obesity and

any other diagnosis. Patients pay up front and we have a standard

form they can turn in for reimbursement.

> I have been told by the director of the bariatric center that the

> nutrition component is NOT reimburseable. I was under the

impression

> taht insurance companies DO reimburse for counseling when specified

> for medical reason. I work in a VA setting and do not deal with

> insurance companies (lucky me!)- but now it seems I need to do some

> research!

> Does anyone get reimbursed, and if so HOW and what CODE/S do you

use?

>

> Thank you!

>

>

>

>

>

> ---------------------------------

>

[Guest guest]

Thank you ,

It does sound to me like a lot of hassle and I think , on balance, I prefer the UK system. I agree with what you say about it being difficult being on a waiting list (as I am) but I don't even have to think about the money. That is one thing that I will be able to forget about entirely, as there is no exchange of money involved at all. The General Public pays for its health needs (except optician and dentist) by contributing a proportion of their earnings, before they actually get the salary, to the National Health Service.

In addition, some people take out private health plans, in order to leap-frog the waiting lists, and there is also the opportunity to pay privately for a particular consultation or operation.

You may know all this, but not everyone will. There is supposed to be a 6 months limit on waiting times for operations, which means that I should be "done and dusted" before the end of May. I just have to be patient and wait for "THE LETTER". But at least I don't have to think about how the heck I am going to pay for it.

Would you, considering the down side, prefer the UK or the American way? I still prefer what I am used to.

Love for now, from Ann in England xxx>> Hey Ann- it is terribly complicated here in the states. Here's my gig-> I have insurance from my company; my premium is $400 a month for my > entire family. I have an HMO (health maintenance organization) which > means that I have a primary care provider that takes care of my basic > needs and writes me referrals to specialists I need. So, I basically > only see her about 1x a year ($20 copay) to get my referral for my GI > doc. Then my insurance pays for the specialist visit ($25 copay) - as > long as the doctor takes my insurance. It works most of the time but > if you don't do things right, it's a major hassle.> My hospital copays are $100 but then again, you have the usual and > customary thing so sometimes you pay a bit more.> My Lap gall bladder surgery last summer was over $13,000 and it was > outpatient!! I paid $25 for my GI visit to get the referral to the > surgeon, $25 for each of 3 visits to the surgeon and $125 for the > surgery. That's not counting meds and pre-op tests including an > ultrasound to check for gall stones.> It's not cheap and it's not like we can go without. The advantage > over what I know about your system is that we don't have waiting > lists. It sometimes takes me a month or so to get an appointment > because they're busy but not months or years like I've heard in > Canada or the UK.> > Hope that helps a bit.> > Happy Swallowing!> - in Va.>

[Guest guest]

>

> Would you, considering the down side, prefer the UK or the American

way?

> I still prefer what I am used to.

>

Interesting question Ann. I guess I see pros and cons to both

options. I would love to not have to pay. I pay $4,800 a year for my

family PLUS co-pays, etc. My husband is going through allergy shots

right now and the copay is $25 each visit, he has to go weekly for at

least a year! That of course is not considering my children, which

like most little ones, seem to have some kind of ear infection or

pink eye every other month.

The good part of our system is that we do have access to care (if

insured) and can change doctors whenever we want. Appointments are

only delayed due to scheduling conflicts. I'm not sure I'd want a

system run by the government because they do seem to screw everything

up but at the same time, It's a 'bloody' shame that there are huge

numbers of people in this country that are uninsured!!

I've not heard of any system of socialized medicine that runs really

smoothly. I'm only really aware of the UK and Canadian systems but

they both seem to have significant problems with backing up. Maybe

some of our Canadian friends would care to sound off on this?

What I have heard though on this site and also from other foreigners

I know is of many people paying to come to this country and then

paying for their surgeries because either the care in their countries

is shoddy or because of the waiting lists.

No easy answers. I guess I'll stick with what I have for now and be

thankful that though it's expensive, I have good insurance.

Happy Swallowing!

- in Va.

[Guest guest]

Hi a,

Some States offer low cost or free insurance based on Income and

family size. I would visit your State's Web site and search

for " health plans " . You can also contact your local government

(social services) and see if they can do anything for you.

I know NY has a plan called " Blue Cross Blue Shild " i don't know

about your State.

Good luck,

Manny

>

> Hi everyone!

> I'm fairly new to this group, but not so new to suffering from

> achalasia. I had a Botolium procedure done almost 2 yrs ago and

had

> relief for about a year. since then I have just gotten worse. At

this

> point I'm afraid to eat anymore and I am on a blended diet, which

I'm

> still not used to. I am very frustrated at this point and I am

just

> now understanding how serious this condition is and I don't know

how

> to deal with it. I have no health insurance, I'm a 34 yr old

single

> mom with 4 kids, my family lives overseas and I can't afford to

get

> any kind of treatment. Does anybody know about any organizations

that

> might be able to help or any affordable health insurance plans? I

have

> also heard that because this is a pre-existing condition, it would

be

> hard to find an insurance co. that will cover me. Any advice and

> information will be greatly appreciated. I am so glad I found this

> group because it is hard to talk to other people about your

feelings

> when you are living with this kind of condition. Thank you for

taking

> the time to read and I hope to hear from you all.

>

[Guest guest]

I am very sorry to hear about your not having insurance and how you must be struggling with family and health and all the other things life throws at you. Just a thought, but have you ever contacted NORD? (National Org. for Rare Disorders) I have noticed in their bulletin that they often help people get the treatment they need despite insurance problems. Best of luck to you. Deborah

[Guest guest]

Hi, deborah,

Thank you for the info and for taking the time to reply. I will

check it out. Have a great day.

Rosie

>

> I am very sorry to hear about your not having insurance and how

> you must be struggling with family and health and all the other

> things life throws at you.

> Just a thought, but have you ever contacted NORD?

> (National Org. for Rare Disorders) I have noticed in their

> bulletin that they often help people get the treatment they

> need despite insurance problems.

> Best of luck to you.

> Deborah

>

[Guest guest]

Hi, Manny,

Thank you for taking the time to reply. I live in Fl. I did apply at

some point and was denied. I just started a new job, but it will

take about three months before I can get any benefits. have a great

day.

Rosie

> >

> > Hi everyone!

> > I'm fairly new to this group, but not so new to suffering from

> > achalasia. I had a Botolium procedure done almost 2 yrs ago and

> had

> > relief for about a year. since then I have just gotten worse. At

> this

> > point I'm afraid to eat anymore and I am on a blended diet,

which

> I'm

> > still not used to. I am very frustrated at this point and I am

> just

> > now understanding how serious this condition is and I don't know

> how

> > to deal with it. I have no health insurance, I'm a 34 yr old

> single

> > mom with 4 kids, my family lives overseas and I can't afford to

> get

> > any kind of treatment. Does anybody know about any organizations

> that

> > might be able to help or any affordable health insurance plans?

I

> have

> > also heard that because this is a pre-existing condition, it

would

> be

> > hard to find an insurance co. that will cover me. Any advice and

> > information will be greatly appreciated. I am so glad I found

this

> > group because it is hard to talk to other people about your

> feelings

> > when you are living with this kind of condition. Thank you for

> taking

> > the time to read and I hope to hear from you all.

> >

>

[Guest guest]

Hi, Manny,

Thank you for taking the time to reply. I live in Fl. I did apply at

some point and was denied. I just started a new job, but it will

take about three months before I can get any benefits. have a great

day.

Rosie

> >

> > Hi everyone!

> > I'm fairly new to this group, but not so new to suffering from

> > achalasia. I had a Botolium procedure done almost 2 yrs ago and

> had

> > relief for about a year. since then I have just gotten worse. At

> this

> > point I'm afraid to eat anymore and I am on a blended diet,

which

> I'm

> > still not used to. I am very frustrated at this point and I am

> just

> > now understanding how serious this condition is and I don't know

> how

> > to deal with it. I have no health insurance, I'm a 34 yr old

> single

> > mom with 4 kids, my family lives overseas and I can't afford to

> get

> > any kind of treatment. Does anybody know about any organizations

> that

> > might be able to help or any affordable health insurance plans?

I

> have

> > also heard that because this is a pre-existing condition, it

would

> be

> > hard to find an insurance co. that will cover me. Any advice and

> > information will be greatly appreciated. I am so glad I found

this

> > group because it is hard to talk to other people about your

> feelings

> > when you are living with this kind of condition. Thank you for

> taking

> > the time to read and I hope to hear from you all.

> >

>

[Guest guest]

Hey if I knew I could get insurance that would cover me, Great,

I would personally pay for it!!! I can’t, so I’m not saying

who should or who shouldn’t either. What I’m saying is what

are you suppose to do??? I would be more then happy to pay for my own

insurance, my issue is, what are you suppose to do with a pre existing

condition and no coverage at all.

C Warren

Co-Founder

www.achalasia.us

From:

achalasia [mailto:achalasia ] On Behalf Of toomuchclutter

Sent: Tuesday, August 29, 2006 12:35 PM

achalasia

Subject: Insurance

While I agree the

state of health care is a disaster, there are 2 sides to the coin. As

business owners who share the costs of disability, social security and

insurance the costs are also prohibitive. They keep us from hiring as

many people or paying as much as we would like. A large % of the cost of

each employee goes to all kinds of insurance including liability, disability,

and social security. Each claim raises the cost to all employers.

This is not to open

a controversy about who should or shouldn't get coverage. Just to point

out there are 2 sides to it. Some people sacrifice newer cars, vacations

and other luxuries to have insurance for their family. The cost of each

uninsured person passes through to those paying for insurance in one way or

another.

It is not an easily

solved issue. Please understand I'm not saying who should or shouldn't

claim disability or get state health care. As business owners it is

prohibitively expensive sometimes for each employee.

Sandy in So Cal

[Guest guest]

preexisting conditions fall by the wayside when under

consideration by ins. co... caveat as long as you ain't

immunocompomised,it's a safe bet. try Cigna. They may

require western blot immunoassay to prescreen existing

lack of immunoresponse but I don't think so.

M.

in my exp.

>

> Hey if I knew I could get insurance that would cover me, Great, I

would

> personally pay for it!!! I can't, so I'm not saying who should or

who

> shouldn't either. What I'm saying is what are you suppose to

do??? I would

> be more then happy to pay for my own insurance, my issue is, what

are you

> suppose to do with a pre existing condition and no coverage at

all.

>

>

>

> C Warren

>

> Co-Founder

>

> www.achalasia.us

>

> From: achalasia [mailto:achalasia ]

On Behalf

> Of toomuchclutter

> Sent: Tuesday, August 29, 2006 12:35 PM

> achalasia

> Subject: Insurance

>

>

>

> While I agree the state of health care is a disaster, there are 2

sides to

> the coin. As business owners who share the costs of disability,

social

> security and insurance the costs are also prohibitive. They keep

us from

> hiring as many people or paying as much as we would like. A large

% of the

> cost of each employee goes to all kinds of insurance including

liability,

> disability, and social security. Each claim raises the cost to all

> employers.

>

> This is not to open a controversy about who should or shouldn't get

> coverage. Just to point out there are 2 sides to it. Some people

sacrifice

> newer cars, vacations and other luxuries to have insurance for

their family.

> The cost of each uninsured person passes through to those paying

for

> insurance in one way or another.

>

> It is not an easily solved issue. Please understand I'm not

saying who

> should or shouldn't claim disability or get state health care. As

business

> owners it is prohibitively expensive sometimes for each employee.

>

> Sandy in So Cal

>

[Guest guest]

Thanks

We are looking into insurance and trying to find the best fit

for us.

C Warren

Co-Founder

www.achalasia.us

From:

achalasia [mailto:achalasia ] On Behalf Of

Sent: Wednesday, August 30, 2006 6:03 AM

achalasia

Subject: Re: Insurance

preexisting conditions fall by the wayside when

under

consideration by ins. co... caveat as long as you ain't

immunocompomised,it's a safe bet. try Cigna. They may

require western blot immunoassay to prescreen existing

lack of immunoresponse but I don't think so.

M.

in my exp.

>

> Hey if I knew I could get insurance that would cover me, Great, I

would

> personally pay for it!!! I can't, so I'm not saying who should or

who

> shouldn't either. What I'm saying is what are you suppose to

do??? I would

> be more then happy to pay for my own insurance, my issue is, what

are you

> suppose to do with a pre existing condition and no coverage at

all.

>

>

>

> C Warren

>

> Co-Founder

>

> www.achalasia.us

>

> From: achalasia

[mailto:achalasia ]

On Behalf

> Of toomuchclutter

> Sent: Tuesday, August 29, 2006 12:35 PM

> achalasia

> Subject: Insurance

>

>

>

> While I agree the state of health care is a disaster, there are 2

sides to

> the coin. As business owners who share the costs of disability,

social

> security and insurance the costs are also prohibitive. They keep

us from

> hiring as many people or paying as much as we would like. A large

% of the

> cost of each employee goes to all kinds of insurance including

liability,

> disability, and social security. Each claim raises the cost to all

> employers.

>

> This is not to open a controversy about who should or shouldn't get

> coverage. Just to point out there are 2 sides to it. Some people

sacrifice

> newer cars, vacations and other luxuries to have insurance for

their family.

> The cost of each uninsured person passes through to those paying

for

> insurance in one way or another.

>

> It is not an easily solved issue. Please understand I'm not

saying who

> should or shouldn't claim disability or get state health care. As

business

> owners it is prohibitively expensive sometimes for each employee.

>

> Sandy in So Cal

>

[Guest guest]

Yeah, I remember only 10 years ago I had the same insurance, didn't cost me

anything for the premium, no deductible, and they paid 100%. I was dating

someone in 1991 who sold medical equipment and he told me what was coming up

with managed care, etc., and I remember getting angry at him for even thinking

such a thing. But it all came to pass. Even PPO's now have begun to act more

like managed care.

No, I'm just getting one done. I already had another knee op this year --

partial meniscectomy on the other knee (L). I had one of those on the R knee 2

1/2 yrs ago, so clearly my menisci are falling apart, and when the doc did the L

partial meniscectomy, he noted chondromalacia in that knee (which is my pain

source in the R knee), but I don't have pain from that. However, I've had pain

in the L knee on the side ever since the operation. and there's no doubt that,

once my R knee heals and I become more active, my L knee is going to go. I'd

like to just get them both done because for sure I'm going to max out my

copayment this year, so it would be " free " , but I can't imagine rehabbing 2

knees at once.

Now I have a problem getting food (like milk, that you can't stock up on) until

I can drive (I live alone). Dial-a-Lift doesn't come out " this far " (it's not

that far), the nearest bus stop is a mile away, a taxi to where I shop would

cost $80 round trip. I'm talking to Meals on Wheels now. All my neighbors

work during the day. I do have a friend who's willing to come up (about 1000

miles) for a week, and I may decide to call on her.

One of the things I read about here is the toilet seat height extension, which

seems to me like a very good idea, but my doc's nurse said they don't want you

to use one -- they want you to use your knee. (If they'd write an Rx my

insurance might pay for part of it.) The regular seat is so low down, I can't

imagine making it all the way back up (comments, anyone? Can you just pull

yourself back up w/crutches?). I can see myself falling down & rolling across

the floor back to the bed. Sigh.

Well, I'm in limbo until Oct. 17. Or rather 16, when I'll have to find some way

to get to the bus station, take a Greyhound to Seattle, where my cousin will

pick me up so I can stay at his place overnight so he can take me to the

hospital in the morning. All day trip. Another cousin will bring me home.

Funny how many cousins ended up here -- there are 5 of us here. From Arkansas!

But that's out of 50.

Ann

Insurance

Hi Ann,

Yes insurance isn't what it used to be. I have a $250 deductible on

medical equipment and a $500 on medical. So the $500 I already put out

for my 2 surgeries didn't count toward the brace deduct.

I also have a share pay of 20%. Boy when my husband has his heart

bypass a few years ago I only had a $250 deductible and didn't cost me

a red cent after that. Now just 4 years later my 2 scope surgeries

cost me almost $2000.

Insurances really have the last say these days. When I haave my knee

TKR I plan to get them both done at the same time mainly because of

cost but recovery time as well. I have to save up the vacation time

for that. Although it will be nice to walk with out the pain, it is

kind of nerve wracking thinking of the recovery from TKR. Are you

doing both?

JoAnn

[Guest guest]

Hi Ann,

According to a friend of mine there is milk available

in a can or jar that is on the regular shelves at the

grocery. Apparently, it doesn't taste bad and this

friend keeps some around the house for emergencies

(she lives about 45 miles from the nearest store). I

know it's not fresh, but if you use it " in " something

it probably wouldn't be bad....and she said it's not

that " clear blue, see through " milk you get from a

powder.

Stock up on some homemade soups (less sodium) and

maybe stuff like yogurt or buttermilk with long

expiration dates. Eggs kept in the fridge last a good

long time and iceberg lettuce is probably your longest

lasting " lettuce " rather than the bag mixes.

Actually, romaine can last a good long time too. Root

veggies, squash, cabbage, etc last a long time

" fresh " .

No disrespect intended to your doc's nurse, but I

strongly disagree with the toilet seat issue. The

higher seat brings LOTS of comfort. Look at it this

way....you're sitting on the sofa and get the urge to

go...takes you " an hour " to get up... hobble over to

the bathroom.....by the time you enter the bathroom

you REALLY have to go....ok, you fumble and get your

pants down....oh man, now you just can't hold it

anymore....and THEN you're supposed to calmly, and in

full control carefully sit down on a low seat????? BS

on that....you'll probably *plop* down and strain a

tendon in the process! Getting up is a different

story, although who wants to struggle getting up from

a toilet seat? Nope, I think the toilet is NO place

to exercise....save that for the entire rest of the

day......AND let's not even think about having to go

to the toilet at night!!!! Besides, I know of lots of

people who have had TKRs and almost ALL of them have

gotten the raised seats, some even with the grab bar.

Just my .02........but if I were you I would

definitely GET that seat. I also think one of those

" grabber " bars is a good idea. They will help you to

pick things up off the floor when you inevitably drop

things.

nne

Re: Insurance

Yeah, I remember only 10 years ago I had the same

insurance, didn't cost me anything for the premium, no

deductible, and they paid 100%. I was dating someone

in 1991 who sold medical equipment and he told me what

was coming up with managed care, etc., and I remember

getting angry at him for even thinking such a thing.

But it all came to pass. Even PPO's now have begun to

act more like managed care.

No, I'm just getting one done. I already had another

knee op this year -- partial meniscectomy on the other

knee (L). I had one of those on the R knee 2 1/2 yrs

ago, so clearly my menisci are falling apart, and when

the doc did the L partial meniscectomy, he noted

chondromalacia in that knee (which is my pain source

in the R knee), but I don't have pain from that.

However, I've had pain in the L knee on the side ever

since the operation. and there's no doubt that, once

my R knee heals and I become more active, my L knee is

going to go. I'd like to just get them both done

because for sure I'm going to max out my copayment

this year, so it would be " free " , but I can't imagine

rehabbing 2 knees at once.

Now I have a problem getting food (like milk, that you

can't stock up on) until I can drive (I live alone).

Dial-a-Lift doesn't come out " this far " (it's not that

far), the nearest bus stop is a mile away, a taxi to

where I shop would cost $80 round trip. I'm talking

to Meals on Wheels now. All my neighbors work during

the day. I do have a friend who's willing to come up

(about 1000 miles) for a week, and I may decide to

call on her.

One of the things I read about here is the toilet seat

height extension, which seems to me like a very good

idea, but my doc's nurse said they don't want you to

use one -- they want you to use your knee. (If they'd

write an Rx my insurance might pay for part of it.)

The regular seat is so low down, I can't imagine

making it all the way back up (comments, anyone? Can

you just pull yourself back up w/crutches?). I can

see myself falling down & rolling across the floor

back to the bed. Sigh.

Well, I'm in limbo until Oct. 17. Or rather 16, when

I'll have to find some way to get to the bus station,

take a Greyhound to Seattle, where my cousin will pick

me up so I can stay at his place overnight so he can

take me to the hospital in the morning. All day trip.

Another cousin will bring me home. Funny how many

cousins ended up here -- there are 5 of us here. From

Arkansas! But that's out of 50.

Ann

Insurance

Hi Ann,

Yes insurance isn't what it used to be. I have a

$250 deductible on

medical equipment and a $500 on medical. So the $500

I already put out

for my 2 surgeries didn't count toward the brace

deduct.

I also have a share pay of 20%. Boy when my husband

has his heart

bypass a few years ago I only had a $250 deductible

and didn't cost me

a red cent after that. Now just 4 years later my 2

scope surgeries

cost me almost $2000.

Insurances really have the last say these days. When

I haave my knee

TKR I plan to get them both done at the same time

mainly because of

cost but recovery time as well. I have to save up

the vacation time

for that. Although it will be nice to walk with out

the pain, it is

kind of nerve wracking thinking of the recovery from

TKR. Are you

doing both?

JoAnn

[Guest guest]

Insurance

Hi Ann,

Yes insurance isn't what it used to be. I have a

$250 deductible on

medical equipment and a $500 on medical. So the $500

I already put out

for my 2 surgeries didn't count toward the brace

deduct.

I also have a share pay of 20%. Boy when my husband

has his heart

bypass a few years ago I only had a $250 deductible

and didn't cost me

a red cent after that. Now just 4 years later my 2

scope surgeries

cost me almost $2000.

Insurances really have the last say these days. When

I haave my knee

TKR I plan to get them both done at the same time

mainly because of

cost but recovery time as well. I have to save up

the vacation time

for that. Although it will be nice to walk with out

the pain, it is

kind of nerve wracking thinking of the recovery from

TKR. Are you

doing both?

JoAnn

[Guest guest]

> Many people who've had a TKR done on the TJR group highly recommend the

toilet seat.

It's strange this is the topic of conversation. While I'm actually doing pretty

well and even ran for a very short ways today, the toilet seems to be a

different animal. I seem to have settled on a strategic hand placement that gets

me up and down by using a lot more arm strength. I don't know that I was really

conscious of it when I started but I started noticing that I was doing it a

couple of months ago. Now here you are mentioning a raised seat!

Oh the indignity of it all!

[Guest guest]

It beats falling into the toilet by sitting down on it with the seat raised when

you're 4 years old, and your uncle comes into the bathroom and laughs and

laughs.

Ann

Re: Insurance

> Many people who've had a TKR done on the TJR group highly recommend the

toilet seat.

It's strange this is the topic of conversation. While I'm actually doing

pretty well and even ran for a very short ways today, the toilet seems to be a

different animal. I seem to have settled on a strategic hand placement that gets

me up and down by using a lot more arm strength. I don't know that I was really

conscious of it when I started but I started noticing that I was doing it a

couple of months ago. Now here you are mentioning a raised seat!

Oh the indignity of it all!

[Guest guest]

> It beats falling into the toilet by sitting down on it with the seat raised

when you're 4 years old, and your uncle comes into the bathroom and laughs and

laughs.

> Ann

That would be some serious indignity! And how many years of counseling would

insurance cover for that me wonders ;-)