Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 At 01:21 PM 5/17/2007, you wrote: >Several years ago, two Harvard researchers, Starr Sered and >Rushika pulle, set out to interview people without >health-care coverage for a book they were writing, " Uninsured in America. " Since for better or worse at the current moment---and my personal thought is that the US health care system, even with its flaws, is much better than any other nations...Right now, we have the system we have....the question that arises after reading stories of the uninsured is: WHY does anyone NOT have health insurance ?? Health care is simply not affordable without some type of insurance. Granted that children do not choose....but, adults need to be responsible.....if job A sounds great, but, doesn't have good health insurance, and job B is OK and has great health insurance, take job B. If you decide to be self-employed, make sure to join chamber of commerce or work related group that has access to health insurance...If you leave a job, make sure first that you can afford COBRA. IF no other choice, the major carriers, such as Blue Cross do have individual plans...may cost more and cover a little less than group plans, but, far better than no insurance. When you are planning for retirement, plan for the cost of medicare supplement insurance. No one ever " plans " to be unhealthy or injured.....it just happens....and that's the purpose of insurance just my two cents nancy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 What do you do when cobra runs out? I kept cobra as long as I could with no income coming in. I took out home equity lines of credit for the premiums Reality is when you have a diagnosis the insurance companies look for reasons to disqualify you. The individual has little negotiating power - unlike corporate accounts. All fees actually raise to above what you pay with insurance. <nancynfoster@...> wrote: At 01:21 PM 5/17/2007, you wrote: >Several years ago, two Harvard researchers, Starr Sered and >Rushika pulle, set out to interview people without >health-care coverage for a book they were writing, " Uninsured in America. " Since for better or worse at the current moment---and my personal thought is that the US health care system, even with its flaws, is much better than any other nations...Right now, we have the system we have....the question that arises after reading stories of the uninsured is: WHY does anyone NOT have health insurance ?? Health care is simply not affordable without some type of insurance. Granted that children do not choose....but, adults need to be responsible.....if job A sounds great, but, doesn't have good health insurance, and job B is OK and has great health insurance, take job B. If you decide to be self-employed, make sure to join chamber of commerce or work related group that has access to health insurance...If you leave a job, make sure first that you can afford COBRA. IF no other choice, the major carriers, such as Blue Cross do have individual plans...may cost more and cover a little less than group plans, but, far better than no insurance. When you are planning for retirement, plan for the cost of medicare supplement insurance. No one ever " plans " to be unhealthy or injured.....it just happens....and that's the purpose of insurance just my two cents nancy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 wrote: > > > > >WHY does anyone NOT have health insurance ?? Health care is simply > not affordable without some type of insurance. Granted that children > do not choose....but, adults need to be responsible..... > You're assuming that all jobs and all companies offer health care insurance. They don't! Many will keep your hours at 39 per week that way you are considered " part-time " and they do not have to offer you benefits. Some companies are not large enough to be able to afford or be eligible for group employee insurance. And some don't offer insurance because they don't want to spend the money. They prefer more profit. > >if job A > sounds great, but, doesn't have good health insurance, and job B is OK > and has > great health insurance, take job B. If you decide to be > self-employed, make sure to join chamber of commerce or work related > group that > has access to health insurance... > You're again assuming that people are able to find several jobs to choose from. Maybe you live in a community where the employment rate is high. Maybe you live where the employers are not downsizing and outsourcing. When you're out of work, you take the job you can get just so you can pay the mortgage and feed your kids. Very often you don't have the luxury of taking the time to apply for jobs that offer great benefits. > >If you leave a job, make sure first > that you can afford COBRA. IF no other choice, the major carriers, such > as Blue Cross do have individual plans...may cost more and cover a > little less than group plans, but, far better than no insurance. When you > are planning for retirement, plan for the cost of medicare supplement > insurance. > A person doesn't always leave a job because they want to. And in Texas you cannot get a supplemental policy for Medicare if you are under age 65. It's not like that in all states, but it is here. And, many of us got sick and weren't near retirement so we weren't planning to retire. We weren't planning to get sick either. I don't know what world you live in, but it's obviously not the one many, many other Americans live in. Nina Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 ----- Original Message ----- From: " " <nancynfoster@...> > WHY does anyone NOT have health insurance ?? Health care is simply > not affordable without some type of insurance. Granted that children > do not choose....but, adults need to be responsible.....if job A > sounds great, but, doesn't have good health insurance, and job B is OK and > has > great health insurance, take job B. That sounds good in theory, but a lot of the lower paying jobs just don't offer insurance at all, no matter if they're A or B. Some people don't have the intelligence to move on to collage, don't have the money, or due to personal circumstances, they can't go to collage to get out of the lower paying jobs. If your choice is between job A with no insurance and job B with no insurance, you're stuck. When I worked retail as a high school/part time collage job, the companies would deliberately schedule the " full time " people just below the bare minimum number of hours required by federal law to come with health insurance, just so they didn't have to pay it. Those are the people who can least afford to pay medical bills. Someone I know just went from job A, good with health insurance, to job B, much better paying with no health insurance. I tried to talk him out of it, pointing out he should at least have a thorough physical first to make sure there were no obvious problems, but he refused. He thinks he's perfectly healthy and will have no medical crisis. I know from personal experience, you can have no problems today, and major problems tomorrow, but he just wouldn't listen to reason. I really hope he doesn't pay dearly for his choice. Darcy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 There are some of us that can not afford health insurance because we get paid minimum wage and live at poverty level or below! Then what???? We struggle just to eat! We eat food thats cheap, not necessarily good for us. Maybe one of a couple has been sick for a long time & unable to work. Who can pay the high cost of insurance on minimun wage. And still keep a roof over their head. > WHY does anyone NOT have health insurance ?? Health care is simply > not affordable without some type of insurance. Granted that children > do not choose....but, adults need to be responsible. ....if job A > sounds great, but, doesn't have good health insurance, and job B is OK and has > great health insurance, take job B. If you decide to be > self-employed, make sure to join chamber of commerce or work related group that > has access to health insurance... If you leave a job, make sure first > that you can afford COBRA. IF no other choice, the major carriers, such > as Blue Cross do have individual plans...may cost more and cover a > little less than group plans, but, far better than no insurance. When you > are planning for retirement, plan for the cost of medicare supplement > insurance. > No one ever " plans " to be unhealthy or injured..... it just > happens....and that's the purpose of insurance > just my two cents > nancy Jeanette Kercheval --------------------------------- You snooze, you lose. Get messages ASAP with AutoCheck in the all-new Beta. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 my last 2 rituxan infusions were over $10,000 each (yes, 10,000.) I paid cobra in 2004 and my premium was over $300 and that was for individual coverage. I dont care if you make minimum or $15/hour. How is anyone supposed to afford that? Stacey --- Jeanette Kercheval <jhkerch@...> wrote: > There are some of us that can not afford health > insurance because we get paid minimum wage and live > at poverty level or below! Then what???? We > struggle just to eat! We eat food thats cheap, not > necessarily good for us. Maybe one of a couple has > been sick for a long time & unable to work. Who can > pay the high cost of insurance on minimun wage. And > still keep a roof over their head. > > > WHY does anyone NOT have health insurance ?? > Health care is simply > > not affordable without some type of insurance. > Granted that children > > do not choose....but, adults need to be > responsible. ....if job A > > sounds great, but, doesn't have good health > insurance, and job B is OK and has > > great health insurance, take job B. If you decide > to be > > self-employed, make sure to join chamber of > commerce or work related group that > > has access to health insurance... If you leave a > job, make sure first > > that you can afford COBRA. IF no other choice, the > major carriers, such > > as Blue Cross do have individual plans...may cost > more and cover a > > little less than group plans, but, far better than > no insurance. When you > > are planning for retirement, plan for the cost of > medicare supplement > > insurance. > > > No one ever " plans " to be unhealthy or > injured..... it just > > happens....and that's the purpose of insurance > > > just my two cents > > nancy > > > Jeanette Kercheval > > --------------------------------- > You snooze, you lose. Get messages ASAP with > AutoCheck > in the all-new Beta. > > [Non-text portions of this message have been > removed] > > ________________________________________________________________________________\ ____ TV dinner still cooling? Check out " Tonight's Picks " on TV. http://tv./ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 , Everyone is different, when my husband lost his job I asked my employer to pick me up on his Insurance as it was offered when I was hired but after seeing me with RA he said he couldn't afford it. And the family Cobra was way to much. SO, now I wait my year and a half to be cover for RA and then I have to meet a $1500. deductable and then they only pay 80%. My Cardio gives me free medication, also I live on Flexarill for the pain. <nancynfoster@...> wrote: At 01:21 PM 5/17/2007, you wrote: >Several years ago, two Harvard researchers, Starr Sered and >Rushika pulle, set out to interview people without >health-care coverage for a book they were writing, " Uninsured in America. " Since for better or worse at the current moment---and my personal thought is that the US health care system, even with its flaws, is much better than any other nations...Right now, we have the system we have....the question that arises after reading stories of the uninsured is: WHY does anyone NOT have health insurance ?? Health care is simply not affordable without some type of insurance. Granted that children do not choose....but, adults need to be responsible.....if job A sounds great, but, doesn't have good health insurance, and job B is OK and has great health insurance, take job B. If you decide to be self-employed, make sure to join chamber of commerce or work related group that has access to health insurance...If you leave a job, make sure first that you can afford COBRA. IF no other choice, the major carriers, such as Blue Cross do have individual plans...may cost more and cover a little less than group plans, but, far better than no insurance. When you are planning for retirement, plan for the cost of medicare supplement insurance. No one ever " plans " to be unhealthy or injured.....it just happens....and that's the purpose of insurance just my two cents nancy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 At 08:37 PM 5/17/2007, you wrote: >WHY does anyone NOT have health insurance ?? Health care is simply >not affordable without some type of insurance. Granted that children >do not choose....but, adults need to be responsible.....if job A >sounds great, but, doesn't have good health insurance, and job B is OK and has >great health insurance, take job B. If you decide to be >self-employed, make sure to join chamber of commerce or work related group >that >has access to health insurance...If you leave a job, make sure first >that you can afford COBRA. IF no other choice, the major carriers, such >as Blue Cross do have individual plans...may cost more and cover a >little less than group plans, but, far better than no insurance. When you >are planning for retirement, plan for the cost of medicare supplement >insurance. While I agree that I'll take American health care over other countries, you are over simplifying insurance and jobs. Often companies provide poor insurance or have high premiums. Sometimes you have to take a job to put food on the table and can't " afford " to pick and choose. My husband lost his high paying IT job in the .com crap about 6 years ago. He work for the same company for 9 years. I worked for a telecom giant, union benefits. He went(after 3 months of nothing) he too a job worked were he could get a job, no real benefits but a great family man. Then my job was being phased out and I had been through so much stress and the start of health problems (undiagnosed Hashi's) that I took a buyout. After about six month with me out of a job, he started looking for a job because we had no health care and a young child. He got a job and a little more pay but a ton of benefits(free insurance except eye care). So yes, we looked at the whole picture. Yes, he could now go get an IT job at twice what he makes now, but we would have to pay thousands a year in premiums and high co-pays. Plus he loves the people he works with. I was working part-time with great pay but lost that job in Feb. I now babysit but it's 1/2 the pay and more hours. Bad news is there are rumblings of change in the benefits package... Kate G AS Hashi's Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 When I left my telecom job, we couldn't afford COBRA at $950 a month. Kate G At 09:37 PM 5/17/2007, you wrote: >What do you do when cobra runs out? I kept cobra as long as I could with >no income coming in. I took out home equity lines of credit for the >premiums Reality is when you have a diagnosis the insurance companies >look for reasons to disqualify you. The individual has little negotiating >power - unlike corporate accounts. All fees actually raise to above what >you pay with insurance. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 In a perfect world , your 2 cents would make sense, but this world is far from perfect. Quite a few times a person is happy just to find a job to pay the bills. Most High School Grads take what they can get. There are quite a few different circumstances that each person has to cope with. Insurance should be a right when health care is so costly. A society is judged on how they care for their own poor, sick and disabled. This is supposedly a Christian nation yet we shamefully blame the sick, poor and disabled for their own plights so society can feel less guilty about how we treat them. I guess I should say, don't get me started... Jesus said what you do unto the least of my brethren you do unto me. He healed the sick and had compassion on those that even caused their own troubles. Example would be the adulteress woman. Jesus also did not discriminate over income or class. It truly frustrates me when politicians claim to be Christian to get the vote and then do many things that are not Christian while holding their positions of powers. I know we are all imperfect. Though when a person aspires to positions of authority they should realize they will be held accountable to higher standards by the people and God. Insurance needs to available to all and should cost what each person can afford by their income. I think sort of like taxes, even though it gets corrupted by laws the lobbyist of special interests groups talk our leaders in to making. Change needs to happen no matter how painful to the corps. and people. America truly needs to care more about its people and just not profits. If you give corps. the chance they would eliminate all benefits and tell you to be accountable for yourself yet they want your loyalty till it no longer fits their plans. Like downsizing, selling business, making more profits. I will end my 2 cents for now. Everyone has a right to their opinion as this was fought for in the beginning of this country's forming over 200 years ago. I think what makes this country great is the hope we still have to make things better for each other. I am glad we can still speak out and have dreams to aspire to. Thank you for listening/reading. Laurie On 5/17/07, <nancynfoster@...> wrote: > > At 01:21 PM 5/17/2007, you wrote: > > >Several years ago, two Harvard researchers, Starr Sered and > >Rushika pulle, set out to interview people without > >health-care coverage for a book they were writing, " Uninsured in > America. " > > Since for better or worse at the current moment---and my personal > thought is that the US health care system, even with its flaws, is > much better than any other nations...Right now, we have the system we > have....the question that arises after reading stories of the uninsured > is: > > WHY does anyone NOT have health insurance ?? Health care is simply > not affordable without some type of insurance. Granted that children > do not choose....but, adults need to be responsible.....if job A > sounds great, but, doesn't have good health insurance, and job B is OK and > has > great health insurance, take job B. If you decide to be > self-employed, make sure to join chamber of commerce or work related group > that > has access to health insurance...If you leave a job, make sure first > that you can afford COBRA. IF no other choice, the major carriers, such > as Blue Cross do have individual plans...may cost more and cover a > little less than group plans, but, far better than no insurance. When you > are planning for retirement, plan for the cost of medicare supplement > insurance. > > No one ever " plans " to be unhealthy or injured.....it just > happens....and that's the purpose of insurance > > just my two cents > nancy > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 I am on Social Security. I worked every day of my life since I was 17. I was 35 years old before I owned anything that someone else had not owned before I got it. I bought used tires for my used car and bought bread at the bakery thrift store and clothes at yard sales and Goodwill. I raised my family and we always had a meal and walls for the wind and a roof for the rain. I worked 2 jobs for many years and one time held a full time job and 2 part-time positions. My wife had RA from childhood and we had many medical expenses that finally sent us to Bankruptcy Court. Several years later the pressures sent us to Divorce Court. We were together for 25 years. I do not think I was irresponsible. I married my present wife 28 years ago and we raised her 2 children. Because she is not old enough for Social Security and has stayed home for the last 13 years caring for our Special Needs grandchild, we have to pay $649 a month for her Blue Cross/Blue Shield health insurance. I get $1300 a month from Social Security. If you will do the math, it becomes obvious that we have a shortage of money. I need to go back to work but I am 76 and it is hard to get a job at my age. I just reached the " Doughnut Hole " on my SS Part D medications and must stop taking most all my medications for the Arthritis and Cancer. I hate to complain but I could use a little help from my friends in Washington who are spending $2,000,000,000 each week on some crusade in Iraq that they think is a noble cause. I think we have millions of noble causes right here in the USA. Every time I hear someone on the righteous right say " Let them eat cake if they have no bread " it makes me very sad. If you feel as I do go ahead and HONK! But if by a " Liberal " they mean someone who looks ahead and not behind, someone who welcomes new ideas without rigid reactions, someone who cares about the welfare of the people -- their health, their housing, their schools, their jobs, their civil rights, and their civil liberties -- someone who believes we can break through the stalemate and suspicions that grip us in our policies abroad, if that is what they mean by a " Liberal, " then I'm proud to say I'm a " Liberal. " F. Kennedy September 14, 1960 [ ] Re: health insurance > At 01:21 PM 5/17/2007, you wrote: > >>Several years ago, two Harvard researchers, Starr Sered and >>Rushika pulle, set out to interview people without >>health-care coverage for a book they were writing, " Uninsured in America. " > > Since for better or worse at the current moment---and my personal > thought is that the US health care system, even with its flaws, is > much better than any other nations...Right now, we have the system we > have....the question that arises after reading stories of the uninsured > is: > > WHY does anyone NOT have health insurance ?? Health care is simply > not affordable without some type of insurance. Granted that children > do not choose....but, adults need to be responsible.....if job A > sounds great, but, doesn't have good health insurance, and job B is OK and > has > great health insurance, take job B. If you decide to be > self-employed, make sure to join chamber of commerce or work related group > that > has access to health insurance...If you leave a job, make sure first > that you can afford COBRA. IF no other choice, the major carriers, such > as Blue Cross do have individual plans...may cost more and cover a > little less than group plans, but, far better than no insurance. When you > are planning for retirement, plan for the cost of medicare supplement > insurance. > > No one ever " plans " to be unhealthy or injured.....it just > happens....and that's the purpose of insurance > > just my two cents > nancy > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 > > my last 2 rituxan infusions were over $10,000 each > (yes, 10,000.) I paid cobra in 2004 and my premium > was over $300 and that was for individual coverage. I > dont care if you make minimum or $15/hour. How is > anyone supposed to afford that? > Stacey My husband and I pay $692.37 a month for COBRA. I only get $669.00 a month in social security disability. Thank God my husband is working. Sometimes other things have to go unpaid just so we can make those payments. But just one of my prescriptions is $610 (Forteo for osteoporosis) and my infusions are $2800, plus several other prescriptions for me (at least $400 worth) and about $300 a month for hubby's blood pressure medicine so the insurance pays for itself in prescriptions alone. But it is very tough making those payments every month! Even when he was still working at the company where the insurance comes from it was costing us $300 a month. Nina Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 Ok..... I've stayed quiet through all of this garb... I thought this was suppose to be a support site for those with illness... Instead, we bust on politics and cry for the poor.... The Poor?????? There is very few " poor " in this nation... The so called poor have a roof over their heads, a microwave oven, one or more television sets etc.... When I think poor, I think of those living on the streets... Take a long look around this planet and see how the REAL poor live... In cardboard boxes without even having clean/safe water to drink... I think this government has already done a fair share of helping the poor... If you all hate this government so badly, then maybe you should immigrate somewhere else. Oh and don't get me started on this Government being based on Religion... Yes, I agree! However, prayer is no longer allowed in schools and now they want it off the TV as well! You no longer have to swear on the Bible when you go to court! The 10 commandments aren't even allowed to be in the courts... This site is for support! or at least that is what I thought it was for????? A bunch of librals stating their plight is all I've seen the last 2 days! Well I for one am Conservative and I do not want to pay anymore taxes then I am already forking over.... In the animal world, the weak get left behind and are either eaten or die lonely... At least our government doesn't behave in that matter.... Then again, if it did.... I could probably afford to stay home with my child and live on just my husbands income... Hell, I could have a couple more kids, because since I'm home, I wouldn't have to worry about the expense of child care... I could have as many as I'd like... But thats not the case, Because we are already taxed to death by the government... Taxes don't hurt the Rich, because they have money to spare. Taxes don't hurt the so called poor either, because they are given funds to live as well as tax breaks.... Taxes hurt the working middle class and I'm tired of paying for people that are capable of working being able to stay home with their children and sit on there asses all day because they receive General assistance, housing assistance and food stamps.... So I think its time for this chat group to return to what its suppose to be doing... comforting others through empathy and experience! Bonnie >From: " Laurie Randall " <dlriowa@...> >Reply- > >Subject: Re: [ ] Re: health insurance >Date: Fri, 18 May 2007 11:02:03 -0500 > >In a perfect world , your 2 cents would make sense, but this world is far >from perfect. Quite a few times a person is happy just to find a job to >pay >the bills. Most High School Grads take what they can get. There are quite >a >few different circumstances that each person has to cope with. Insurance >should be a right when health care is so costly. A society is judged on >how >they care for their own poor, sick and disabled. This is supposedly a >Christian nation yet we shamefully blame the sick, poor and disabled for >their own plights so society can feel less guilty about how we treat them. >I guess I should say, don't get me started... Jesus said what you do unto >the least of my brethren you do unto me. He healed the sick and had >compassion on those that even caused their own troubles. Example would be >the adulteress woman. Jesus also did not discriminate over income or >class. It truly frustrates me when politicians claim to be Christian to >get >the vote and then do many things that are not Christian while holding their >positions of powers. I know we are all imperfect. Though when a person >aspires to positions of authority they should realize they will be held >accountable to higher standards by the people and God. Insurance needs to >available to all and should cost what each person can afford by their >income. I think sort of like taxes, even though it gets corrupted by laws >the lobbyist of special interests groups talk our leaders in to making. >Change needs to happen no matter how painful to the corps. and people. >America truly needs to care more about its people and just not profits. If >you give corps. the chance they would eliminate all benefits and tell you >to >be accountable for yourself yet they want your loyalty till it no longer >fits their plans. Like downsizing, selling business, making more profits. >I will end my 2 cents for now. Everyone has a right to their opinion as >this was fought for in the beginning of this country's forming over 200 >years ago. I think what makes this country great is the hope we still have >to make things better for each other. I am glad we can still speak out and >have dreams to aspire to. Thank you for listening/reading. >Laurie > > >On 5/17/07, <nancynfoster@...> wrote: > > > > At 01:21 PM 5/17/2007, you wrote: > > > > >Several years ago, two Harvard researchers, Starr Sered and > > >Rushika pulle, set out to interview people without > > >health-care coverage for a book they were writing, " Uninsured in > > America. " > > > > Since for better or worse at the current moment---and my personal > > thought is that the US health care system, even with its flaws, is > > much better than any other nations...Right now, we have the system we > > have....the question that arises after reading stories of the uninsured > > is: > > > > WHY does anyone NOT have health insurance ?? Health care is simply > > not affordable without some type of insurance. Granted that children > > do not choose....but, adults need to be responsible.....if job A > > sounds great, but, doesn't have good health insurance, and job B is OK >and > > has > > great health insurance, take job B. If you decide to be > > self-employed, make sure to join chamber of commerce or work related >group > > that > > has access to health insurance...If you leave a job, make sure first > > that you can afford COBRA. IF no other choice, the major carriers, such > > as Blue Cross do have individual plans...may cost more and cover a > > little less than group plans, but, far better than no insurance. When >you > > are planning for retirement, plan for the cost of medicare supplement > > insurance. > > > > No one ever " plans " to be unhealthy or injured.....it just > > happens....and that's the purpose of insurance > > > > just my two cents > > nancy > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 " WHY does anyone NOT have health insurance ?? " I've got to say that this question doesn't need to be asked by someone that has all they need or want and can go on European vacations on a whim. , you sound like a politician! I hope that you don't end up suffering like the majority of us; I don't think you could survive. I don't have any insurance except for Medicare, and Betty has NOTHING because that's all we can afford. I don't have insurance on my home, and only have insurance on my vehicles because it's required. Even those I know that have 'insurance' cannot afford to get sick because of the high co-pay's.I even planned for my retirement by starting my own business farming berries and fruit, but the RA took everything I had worked for and put away for retirement. The only thing that saved us is that Betty and I work together and we owed nothing to anybody. All I had went to medical bills, and I've had to refuse some meds and treatments because I couldn't afford them. If it's that easy to get insurance, why don't you buy some for me and my wife? Or, find another on the board that needs it worse than me. Dennis in Eastexas " It's not Rocket Surgery " [ ] Re: health insurance > At 01:21 PM 5/17/2007, you wrote: > >>Several years ago, two Harvard researchers, Starr Sered and >>Rushika pulle, set out to interview people without >>health-care coverage for a book they were writing, " Uninsured in America. " > > Since for better or worse at the current moment---and my personal > thought is that the US health care system, even with its flaws, is > much better than any other nations...Right now, we have the system we > have....the question that arises after reading stories of the uninsured > is: > > WHY does anyone NOT have health insurance ?? Health care is simply > not affordable without some type of insurance. Granted that children > do not choose....but, adults need to be responsible.....if job A > sounds great, but, doesn't have good health insurance, and job B is OK and > has > great health insurance, take job B. If you decide to be > self-employed, make sure to join chamber of commerce or work related group > that > has access to health insurance...If you leave a job, make sure first > that you can afford COBRA. IF no other choice, the major carriers, such > as Blue Cross do have individual plans...may cost more and cover a > little less than group plans, but, far better than no insurance. When you > are planning for retirement, plan for the cost of medicare supplement > insurance. > > No one ever " plans " to be unhealthy or injured.....it just > happens....and that's the purpose of insurance > > just my two cents > nancy Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 You GO !!!!!!You get a HONK from me. Fayray >From: " Kennedy " <ikennedy2@...> >Reply- >< > >Subject: Re: [ ] Re: health insurance >Date: Fri, 18 May 2007 09:20:33 -0700 > > > >I am on Social Security. I worked every day of my life since I was 17. I >was >35 years old before I owned anything that someone else had not owned before >I got it. I bought used tires for my used car and bought bread at the >bakery >thrift store and clothes at yard sales and Goodwill. I raised my family and >we always had a meal and walls for the wind and a roof for the rain. I >worked 2 jobs for many years and one time held a full time job and 2 >part-time positions. My wife had RA from childhood and we had many medical >expenses that finally sent us to Bankruptcy Court. Several years later the >pressures sent us to Divorce Court. We were together for 25 years. I do not >think I was irresponsible. > >I married my present wife 28 years ago and we raised her 2 children. >Because >she is not old enough for Social Security and has stayed home for the last >13 years caring for our Special Needs grandchild, we have to pay $649 a >month for her Blue Cross/Blue Shield health insurance. I get $1300 a month >from Social Security. If you will do the math, it becomes obvious that we >have a shortage of money. I need to go back to work but I am 76 and it is >hard to get a job at my age. I just reached the " Doughnut Hole " on my SS >Part D medications and must stop taking most all my medications for the >Arthritis and Cancer. > >I hate to complain but I could use a little help from my friends in >Washington who are spending $2,000,000,000 each week on some crusade in >Iraq >that they think is a noble cause. I think we have millions of noble causes >right here in the USA. > >Every time I hear someone on the righteous right say " Let them eat cake if >they have no bread " it makes me very sad. > >If you feel as I do go ahead and HONK! > > > >But if by a " Liberal " they mean someone who looks ahead and not behind, >someone who welcomes new ideas without rigid reactions, someone who cares >about the welfare of the people -- their health, their housing, their >schools, their jobs, their civil rights, and their civil liberties -- >someone who believes we can break through the stalemate and suspicions that >grip us in our policies abroad, if that is what they mean by a " Liberal, " >then I'm proud to say I'm a " Liberal. " > F. Kennedy September 14, 1960 > > > [ ] Re: health insurance > > > > At 01:21 PM 5/17/2007, you wrote: > > > >>Several years ago, two Harvard researchers, Starr Sered and > >>Rushika pulle, set out to interview people without > >>health-care coverage for a book they were writing, " Uninsured in >America. " > > > > Since for better or worse at the current moment---and my personal > > thought is that the US health care system, even with its flaws, is > > much better than any other nations...Right now, we have the system we > > have....the question that arises after reading stories of the uninsured > > is: > > > > WHY does anyone NOT have health insurance ?? Health care is simply > > not affordable without some type of insurance. Granted that children > > do not choose....but, adults need to be responsible.....if job A > > sounds great, but, doesn't have good health insurance, and job B is OK >and > > has > > great health insurance, take job B. If you decide to be > > self-employed, make sure to join chamber of commerce or work related >group > > that > > has access to health insurance...If you leave a job, make sure first > > that you can afford COBRA. IF no other choice, the major carriers, >such > > as Blue Cross do have individual plans...may cost more and cover a > > little less than group plans, but, far better than no insurance. When >you > > are planning for retirement, plan for the cost of medicare supplement > > insurance. > > > > No one ever " plans " to be unhealthy or injured.....it just > > happens....and that's the purpose of insurance > > > > just my two cents > > nancy > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 I need to chime in on this one. Right now I am on Cobra, waiting for disability deteminations for my employee's disability retirement and SSDI. I pay 377.00 a month for Pacificare for just myself. For that I get 15-35 co-pays for Dr appts. and 10-20 RXs. I moved in with my boyfriend to cut costs and to be able to afford my medical needs. Because of the move I needed to establish care with another medical group. My new medical group has 35 dollar co-pays, but they seem to be very good and I didn't have to wait months to get into the ortho or rheumy. All the appointments I am having require two week follow ups. 4 doc's x 2 visits each x $35 copay = $280, plus about $100 in RXs plus 377 in Cobra equals 757 dollars just this month! Okay now I am depressed. My new Rheumy wants to try me on Enbrel, I have no idea want that is going to cost. That's if the insurance/HMO/PPO decides to let me had it. And THAT's the real bugger. You can have insurance, but still not get the care you need, because of widget counting businesses. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 Yes, this board is for support of RA, getting health care and discussing it is part of the disease. I won't comment on your opinion of things as it speaks volumes on your attitudes. We are each entitled to how we see life and this country. That is one of the best things about America is it's freedom. When you get sick you see how frustrating getting care is at an affordable price (or just choosing to suffer the pain and disabling effects). Life happens and most people do the best they can with what they have to work with. We should be showing compassion to each other, not putting lables on each other. I think it is hard for each and everyone of us having this illness. We should also feel safe putting our feelings out there. I may not agree but I do respect your ability to disagree. Please don't label people you may have never meant or know all they are going through. Guess we should change the subject since this seems to be so heated. Laurie On 5/18/07, Bonnie R. <tiredtaz@...> wrote: > > Ok..... I've stayed quiet through all of this garb... I thought this was > suppose to be a support site for those with illness... Instead, we bust on > politics and cry for the poor.... The Poor?????? > There is very few " poor " in this nation... The so called poor have a roof > over their heads, a microwave oven, one or more television sets etc.... > When I think poor, I think of those living on the streets... Take a long > look around this planet and see how the REAL poor live... In cardboard > boxes without even having clean/safe water to drink... I think this > government has already done a fair share of helping the poor... If you > all > hate this government so badly, then maybe you should immigrate somewhere > else. > Oh and don't get me started on this Government being based on Religion... > Yes, I agree! However, prayer is no longer allowed in schools and now > they > want it off the TV as well! You no longer have to swear on the Bible when > you go to court! The 10 commandments aren't even allowed to be in the > courts... > This site is for support! or at least that is what I thought it was > for????? A bunch of librals stating their plight is all I've seen the > last 2 days! Well I for one am Conservative and I do not want to pay > anymore taxes then I am already forking over.... In the animal world, the > weak get left behind and are either eaten or die lonely... At least our > government doesn't behave in that matter.... Then again, if it did.... I > could probably afford to stay home with my child and live on just my > husbands income... Hell, I could have a couple more kids, because since > I'm > home, I wouldn't have to worry about the expense of child care... I could > have as many as I'd like... But thats not the case, Because we are > already > taxed to death by the government... Taxes don't hurt the Rich, because > they > have money to spare. Taxes don't hurt the so called poor either, because > they are given funds to live as well as tax breaks.... Taxes hurt the > working middle class and I'm tired of paying for people that are capable > of > working being able to stay home with their children and sit on there asses > all day because they receive General assistance, housing assistance and > food > stamps.... > So I think its time for this chat group to return to what its suppose to > be > doing... comforting others through empathy and experience! > Bonnie > > > >From: " Laurie Randall " <dlriowa@...> > >Reply- > > > >Subject: Re: [ ] Re: health insurance > >Date: Fri, 18 May 2007 11:02:03 -0500 > > > >In a perfect world , your 2 cents would make sense, but this world is far > >from perfect. Quite a few times a person is happy just to find a job to > >pay > >the bills. Most High School Grads take what they can get. There are > quite > >a > >few different circumstances that each person has to cope with. Insurance > >should be a right when health care is so costly. A society is judged on > >how > >they care for their own poor, sick and disabled. This is supposedly a > >Christian nation yet we shamefully blame the sick, poor and disabled for > >their own plights so society can feel less guilty about how we treat > them. > >I guess I should say, don't get me started... Jesus said what you do unto > >the least of my brethren you do unto me. He healed the sick and had > >compassion on those that even caused their own troubles. Example would > be > >the adulteress woman. Jesus also did not discriminate over income or > >class. It truly frustrates me when politicians claim to be Christian to > >get > >the vote and then do many things that are not Christian while holding > their > >positions of powers. I know we are all imperfect. Though when a person > >aspires to positions of authority they should realize they will be held > >accountable to higher standards by the people and God. Insurance needs > to > >available to all and should cost what each person can afford by their > >income. I think sort of like taxes, even though it gets corrupted by > laws > >the lobbyist of special interests groups talk our leaders in to making. > >Change needs to happen no matter how painful to the corps. and people. > >America truly needs to care more about its people and just not > profits. If > >you give corps. the chance they would eliminate all benefits and tell you > >to > >be accountable for yourself yet they want your loyalty till it no longer > >fits their plans. Like downsizing, selling business, making more profits. > >I will end my 2 cents for now. Everyone has a right to their opinion as > >this was fought for in the beginning of this country's forming over 200 > >years ago. I think what makes this country great is the hope we still > have > >to make things better for each other. I am glad we can still speak out > and > >have dreams to aspire to. Thank you for listening/reading. > >Laurie > > > > > >On 5/17/07, <nancynfoster@...> wrote: > > > > > > At 01:21 PM 5/17/2007, you wrote: > > > > > > >Several years ago, two Harvard researchers, Starr Sered and > > > >Rushika pulle, set out to interview people without > > > >health-care coverage for a book they were writing, " Uninsured in > > > America. " > > > > > > Since for better or worse at the current moment---and my personal > > > thought is that the US health care system, even with its flaws, is > > > much better than any other nations...Right now, we have the system we > > > have....the question that arises after reading stories of the > uninsured > > > is: > > > > > > WHY does anyone NOT have health insurance ?? Health care is simply > > > not affordable without some type of insurance. Granted that children > > > do not choose....but, adults need to be responsible.....if job A > > > sounds great, but, doesn't have good health insurance, and job B is OK > >and > > > has > > > great health insurance, take job B. If you decide to be > > > self-employed, make sure to join chamber of commerce or work related > >group > > > that > > > has access to health insurance...If you leave a job, make sure first > > > that you can afford COBRA. IF no other choice, the major carriers, > such > > > as Blue Cross do have individual plans...may cost more and cover a > > > little less than group plans, but, far better than no insurance. When > >you > > > are planning for retirement, plan for the cost of medicare supplement > > > insurance. > > > > > > No one ever " plans " to be unhealthy or injured.....it just > > > happens....and that's the purpose of insurance > > > > > > just my two cents > > > nancy > > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 In my area, you are lucky to get a job, much less good insurance. I have been a nurse for many, many years and have worn my body out taking care of everyone else's. Had six children and an alcoholic husband, so always had to work, most of my jobs didn't even have insurance, or if they did, I couldn't afford it. Had medicaid for the kids at times when they were small, but they are all grown now, I'm not old enough to retire, and the job I have now has insurance but the premiums were $35 a week and their cap was $1500 a year. You do the math, doesn't even pay to have it. If I could afford the premiums, I would be better off putting that much in a savings account each month " just in case " . Need to go on disability, but can't be without a paycheck for months while waiting for approval. No husband, no insurance, no money, just plenty of obligations. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 Dennis, At 01:40 PM 5/18/2007, you wrote: I've got to say that this question doesn't need to be asked by someone that has all they need or want and can go on European vacations on a whim. , you sound like a politician! I hope that you don't end up suffering like the majority of us; I don't think you could survive. 1-No one has all they need 2-I have never been to Europe ! In fact, I think the last " vacation " we took was our honeymoon in 1981 <G> I do feel that we as " citizens " have a responsibility to have health insurance....just like we have car insurance and most of us have homeowner's insurance I recognize that individual circumstances such as you describe, may limit one's choices in obtaining insurance. I was not singling out anyone in my post....honestly ! My husband is general manager of a small company that does have good insurance. He spends a great deal of time trying to explain to new employees the NECESSITY of signing up for the group health insurance. The company pays 75%, the employee pays 25%. Many young, healthy employees would rather see the money in their weekly paycheck and believe they will always be young and healthy. When accident or illness occurs, they are whining in my husband's office about their financial woes. They had a choice and made a poor choice. I have 21 year old son about to exit our " family " health insurance. He sees no need to pay for a policy of his own. He is wrong. Sorry. No other excuses. He will need it someday...and no one knows which day that will be. My father was raised during the Depression and taught me not only to save for today, pay cash and owe no one, but also to save for the future. It served him well till his death in 1998. My 84 year old mother is paying $1000 per month for her Medex Gold through Blue Cross. It is expensive at $1000 per month. It does give her great coverage and great peace of mind. She is able to do this because my father planned and saved for their " old age " and did not go on vacations So, I guess my point in my original post was twofold: 1--obtain health insurance if at all possible and 2) PLAN and SAVE. In general, those are not popular ideas in the US today. I am NOT a politician. But, I do believe in taking care of oneself and one's family and not expecting others to do it for you leaping off soapbox and donning flame retardant suit now <G> >I don't have any insurance except for Medicare, and Betty has NOTHING >because that's all we can afford. I don't have insurance on my home, and >only have insurance on my vehicles because it's required. Even those I know >that have 'insurance' cannot afford to get sick because of the high >co-pay's.I even planned for my retirement by starting my own business >farming berries and fruit, but the RA took everything I had worked for and >put away for retirement. The only thing that saved us is that Betty and I >work together and we owed nothing to anybody. All I had went to medical >bills, and I've had to refuse some meds and treatments because I couldn't >afford them. > >If it's that easy to get insurance, why don't you buy some for me and my >wife? Or, find another on the board that needs it worse than me. > >Dennis in Eastexas > " It's not Rocket Surgery " > > [ ] Re: health insurance > > > At 01:21 PM 5/17/2007, you wrote: > > > >>Several years ago, two Harvard researchers, Starr Sered and > >>Rushika pulle, set out to interview people without > >>health-care coverage for a book they were writing, " Uninsured in America. " > > > > Since for better or worse at the current moment---and my personal > > thought is that the US health care system, even with its flaws, is > > much better than any other nations...Right now, we have the system we > > have....the question that arises after reading stories of the uninsured > > is: > > > > WHY does anyone NOT have health insurance ?? Health care is simply > > not affordable without some type of insurance. Granted that children > > do not choose....but, adults need to be responsible.....if job A > > sounds great, but, doesn't have good health insurance, and job B is OK and > > has > > great health insurance, take job B. If you decide to be > > self-employed, make sure to join chamber of commerce or work related group > > that > > has access to health insurance...If you leave a job, make sure first > > that you can afford COBRA. IF no other choice, the major carriers, such > > as Blue Cross do have individual plans...may cost more and cover a > > little less than group plans, but, far better than no insurance. When you > > are planning for retirement, plan for the cost of medicare supplement > > insurance. > > > > No one ever " plans " to be unhealthy or injured.....it just > > happens....and that's the purpose of insurance > > > > just my two cents > > nancy > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 18, 2007 Report Share Posted May 18, 2007 > So, I guess my point in my original post was twofold: 1--obtain > > health insurance if at all possible and > > 2) PLAN and SAVE. In general, those are not popular ideas in the US > > today. I am NOT a politician. But, I do believe > > in taking care of oneself and one's family and not expecting others > > to do it for you >>>>> > , I agree with you up to a point. A healthy person should be responsible for their own healthcare, generally speaking, at least up until a certain age. But when you need a drug like Humira that costs $41,600 a year for weekly injections you must virtually be a millionaire to support it. Prescription coverage that a person can buy independently will NOT cover this, for those who work hard at their own business. Pris ************************************** See what's free at http://www.aol.com. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 19, 2007 Report Share Posted May 19, 2007 same situation..........You do not say if you own a home. I live on equity lines of credit while awaiting disability. If I collect the arrears will pay off line of credit. If I lose my children will have a burden I wish I could save them from. golfgranny58 <golfgranny58@...> wrote: In my area, you are lucky to get a job, much less good insurance. I have been a nurse for many, many years and have worn my body out taking care of everyone else's. Had six children and an alcoholic husband, so always had to work, most of my jobs didn't even have insurance, or if they did, I couldn't afford it. Had medicaid for the kids at times when they were small, but they are all grown now, I'm not old enough to retire, and the job I have now has insurance but the premiums were $35 a week and their cap was $1500 a year. You do the math, doesn't even pay to have it. If I could afford the premiums, I would be better off putting that much in a savings account each month " just in case " . Need to go on disability, but can't be without a paycheck for months while waiting for approval. No husband, no insurance, no money, just plenty of obligations. Raniolo Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 19, 2007 Report Share Posted May 19, 2007 I'll bet you brush your teeth after every meal too. ) I admire your convictions but fear it will be difficult to retrain the population. Thank you for not telling me to leave the country because I mentioned what is obviously a huge problem. If the people who are most affected by the situation are not to be allowed to voice their concern on a mail list devoted to a health issue then what is a proper topic? Should we talk more about vacuum cleaners perhaps? Thank you for the intelligent expression of your opinion. " The heart has reasons that reason does not understand. " Jacques Bènigne Bossuet Re: [ ] Re: health insurance > Dennis, > > At 01:40 PM 5/18/2007, you wrote: > > I've got to say that this question doesn't need to be asked by someone > that > has all they need or want and can go on European vacations on a whim. > , > you sound like a politician! I hope that you don't end up suffering like > the > majority of us; I don't think you could survive. > > 1-No one has all they need > 2-I have never been to Europe ! In fact, I think the last " vacation " > we took was our honeymoon in 1981 <G> > > I do feel that we as " citizens " have a responsibility to have health > insurance....just like we have car insurance > and most of us have homeowner's insurance I recognize that > individual circumstances such as you describe, > may limit one's choices in obtaining insurance. I was not singling > out anyone in my post....honestly ! > > My husband is general manager of a small company that does have good > insurance. He spends a great deal of > time trying to explain to new employees the NECESSITY of signing up > for the group health insurance. The > company pays 75%, the employee pays 25%. Many young, healthy > employees would rather see the money in their > weekly paycheck and believe they will always be young and > healthy. When accident or illness occurs, they are > whining in my husband's office about their financial woes. They had a > choice and made a poor choice. > > I have 21 year old son about to exit our " family " health > insurance. He sees no need to pay for a policy of his own. > He is wrong. Sorry. No other excuses. He will need it someday...and > no one knows which day that will be. > > My father was raised during the Depression and taught me not only to > save for today, pay cash and owe no one, but > also to save for the future. It served him well till his death in > 1998. My 84 year old mother is paying $1000 per month > for her Medex Gold through Blue Cross. It is expensive at $1000 per > month. It does give her great coverage and > great peace of mind. She is able to do this because my father > planned and saved for their " old age " and did not go > on vacations > > So, I guess my point in my original post was twofold: 1--obtain > health insurance if at all possible and > 2) PLAN and SAVE. In general, those are not popular ideas in the US > today. I am NOT a politician. But, I do believe > in taking care of oneself and one's family and not expecting others > to do it for you > > leaping off soapbox and donning flame retardant suit now <G> > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 19, 2007 Report Share Posted May 19, 2007 Dear , You are most perceptive ! And yes, I do brush my teeth after every meal--my father taught me that also ! He did not have the benefit of dental care growing up in a large family during the Depression, let alone dental insurance:) Please note, it was *not* I who suggested leaving this topic .......As long as we are thoughtful in our expressions of belief and experience, we ought to be able to intelligently discuss anything---the meager benefits of a liberal arts education nancy At 07:53 PM 5/18/2007, you wrote: > > >I'll bet you brush your teeth after every meal too. ) I admire your >convictions but fear it will be difficult to retrain the population. Thank >you for not telling me to leave the country because I mentioned what is >obviously a huge problem. If the people who are most affected by the >situation are not to be allowed to voice their concern on a mail list >devoted to a health issue then what is a proper topic? Should we talk more >about vacuum cleaners perhaps? > >Thank you for the intelligent expression of your opinion. > > > > " The heart has reasons that reason does not understand. " >Jacques Bènigne Bossuet Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 19, 2007 Report Share Posted May 19, 2007 , AMEN!!!!! > > > >>Several years ago, two Harvard researchers, Starr Sered and > >>Rushika pulle, set out to interview people without > >>health-care coverage for a book they were writing, " Uninsured in America. " > > > > Since for better or worse at the current moment---and my personal > > thought is that the US health care system, even with its flaws, is > > much better than any other nations...Right now, we have the system we > > have....the question that arises after reading stories of the uninsured > > is: > > > > WHY does anyone NOT have health insurance ?? Health care is simply > > not affordable without some type of insurance. Granted that children > > do not choose....but, adults need to be responsible.....if job A > > sounds great, but, doesn't have good health insurance, and job B is OK and > > has > > great health insurance, take job B. If you decide to be > > self-employed, make sure to join chamber of commerce or work related group > > that > > has access to health insurance...If you leave a job, make sure first > > that you can afford COBRA. IF no other choice, the major carriers, such > > as Blue Cross do have individual plans...may cost more and cover a > > little less than group plans, but, far better than no insurance. When you > > are planning for retirement, plan for the cost of medicare supplement > > insurance. > > > > No one ever " plans " to be unhealthy or injured.....it just > > happens....and that's the purpose of insurance > > > > just my two cents > > nancy > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 19, 2007 Report Share Posted May 19, 2007 - I love your flame-retardant suit joke! I agree with you about taking care of self, not expecting others or government to do so. i agree about taxes hurting the middle class the most, etc. but i do think there are many on this board/group who, despite best and responsible efforts, have been kinda screwed by our " system " . bonnie, i think people venting about healthcare issues IS support. that is a huge part of having RA. i know the politics stuff gets annoying regardless of which group it might come up on (unless it's a political group), but i guess that just goes with the territory when talking about healthcare. > > I've got to say that this question doesn't need to be asked by someone that > has all they need or want and can go on European vacations on a whim. , > you sound like a politician! I hope that you don't end up suffering like the > majority of us; I don't think you could survive. > > 1-No one has all they need > 2-I have never been to Europe ! In fact, I think the last " vacation " > we took was our honeymoon in 1981 <G> > > I do feel that we as " citizens " have a responsibility to have health > insurance....just like we have car insurance > and most of us have homeowner's insurance I recognize that > individual circumstances such as you describe, > may limit one's choices in obtaining insurance. I was not singling > out anyone in my post....honestly ! > > My husband is general manager of a small company that does have good > insurance. He spends a great deal of > time trying to explain to new employees the NECESSITY of signing up > for the group health insurance. The > company pays 75%, the employee pays 25%. Many young, healthy > employees would rather see the money in their > weekly paycheck and believe they will always be young and > healthy. When accident or illness occurs, they are > whining in my husband's office about their financial woes. They had a > choice and made a poor choice. > > I have 21 year old son about to exit our " family " health > insurance. He sees no need to pay for a policy of his own. > He is wrong. Sorry. No other excuses. He will need it someday...and > no one knows which day that will be. > > My father was raised during the Depression and taught me not only to > save for today, pay cash and owe no one, but > also to save for the future. It served him well till his death in > 1998. My 84 year old mother is paying $1000 per month > for her Medex Gold through Blue Cross. It is expensive at $1000 per > month. It does give her great coverage and > great peace of mind. She is able to do this because my father > planned and saved for their " old age " and did not go > on vacations > > So, I guess my point in my original post was twofold: 1--obtain > health insurance if at all possible and > 2) PLAN and SAVE. In general, those are not popular ideas in the US > today. I am NOT a politician. But, I do believe > in taking care of oneself and one's family and not expecting others > to do it for you > > leaping off soapbox and donning flame retardant suit now <G> > > Quote Link to comment Share on other sites More sharing options...
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