Re: Insurance renewal time

January 25, 2005

The same thing happened to me. About 3 years ago I was dx with breast cancer.

Had 3 surgeries plus a historectomy in the same year. The following year our

coverage doubled. And again this past September it went up still more. There

are 4 of us in the office and my company pays about $2300.00 a month. So don't

you think I feel guilty. Because of me and now with OA, DDD and Fibro, I hate

to see what it will be next year. If there is one.

Hang in there,

Judith Ann in AZ

JANE <janeatregis@...> wrote:

Well, it's time to renew the health insurance here at the office, and

they are going WAY up on the premiums, like $1,000. a month for a

tiny office, maybe 10 people.The boss has already laid down the law

about cutting overhead, so it's very possible that they will drop our

health coverage. Of course, it's just being whispered about since the

supposition is that I'm the reason the rates are going up due to

being on Remicade. I don't know what kinds of arthritis are

considered " ininsurable " , I'm just trying to mentally prepare if that

is indeed what happens. not working is not an option since I still

have one to get through college, and I don't know for sure how much

help Chas' dad will be. Things are like walking on eggshells around

the office, I will be so glad to get home and hug my baby girl. Any

thoughts from my wall of wisdom here at the Group?

Love yall

jane

January 25, 2005

The same thing happened to me. About 3 years ago I was dx with breast cancer.

Had 3 surgeries plus a historectomy in the same year. The following year our

coverage doubled. And again this past September it went up still more. There

are 4 of us in the office and my company pays about $2300.00 a month. So don't

you think I feel guilty. Because of me and now with OA, DDD and Fibro, I hate

to see what it will be next year. If there is one.

Hang in there,

Judith Ann in AZ

JANE <janeatregis@...> wrote:

Well, it's time to renew the health insurance here at the office, and

they are going WAY up on the premiums, like $1,000. a month for a

tiny office, maybe 10 people.The boss has already laid down the law

about cutting overhead, so it's very possible that they will drop our

health coverage. Of course, it's just being whispered about since the

supposition is that I'm the reason the rates are going up due to

being on Remicade. I don't know what kinds of arthritis are

considered " ininsurable " , I'm just trying to mentally prepare if that

is indeed what happens. not working is not an option since I still

have one to get through college, and I don't know for sure how much

help Chas' dad will be. Things are like walking on eggshells around

the office, I will be so glad to get home and hug my baby girl. Any

thoughts from my wall of wisdom here at the Group?

Love yall

jane

January 25, 2005

Jane,.....I hope they don't drop health coverage. It's terrible what

we have to go through, just because were ill. I will keep you in my

prayers, Tawny

>

> Well, it's time to renew the health insurance here at the office,

and

> they are going WAY up on the premiums, like $1,000. a month for a

> tiny office, maybe 10 people.The boss has already laid down the law

> about cutting overhead, so it's very possible that they will drop

our

> health coverage. Of course, it's just being whispered about since

the

> supposition is that I'm the reason the rates are going up due to

> being on Remicade. I don't know what kinds of arthritis are

> considered " ininsurable " , I'm just trying to mentally prepare if

that

> is indeed what happens. not working is not an option since I still

> have one to get through college, and I don't know for sure how much

> help Chas' dad will be. Things are like walking on eggshells around

> the office, I will be so glad to get home and hug my baby girl. Any

> thoughts from my wall of wisdom here at the Group?

> Love yall

> jane

January 25, 2005

Jane,.....I hope they don't drop health coverage. It's terrible what

we have to go through, just because were ill. I will keep you in my

prayers, Tawny

>

> Well, it's time to renew the health insurance here at the office,

and

> they are going WAY up on the premiums, like $1,000. a month for a

> tiny office, maybe 10 people.The boss has already laid down the law

> about cutting overhead, so it's very possible that they will drop

our

> health coverage. Of course, it's just being whispered about since

the

> supposition is that I'm the reason the rates are going up due to

> being on Remicade. I don't know what kinds of arthritis are

> considered " ininsurable " , I'm just trying to mentally prepare if

that

> is indeed what happens. not working is not an option since I still

> have one to get through college, and I don't know for sure how much

> help Chas' dad will be. Things are like walking on eggshells around

> the office, I will be so glad to get home and hug my baby girl. Any

> thoughts from my wall of wisdom here at the Group?

> Love yall

> jane

January 25, 2005

Judith, they have the option of a slightly more expensive plan that

will have a bit higher deductible, out of pocket, etc. But the owner

of our company can be very cold hearted when it comes to money. We

have downsized and I am doing my job plus what 3 other people used to

do. I am his secretary and have been here 15 years, but that doesn't

matter either.It is disheartening. I know it's in God's hands so I

have peace about that. thanks for your in put and for caring.

J

>

> Well, it's time to renew the health insurance here at the office,

and

> they are going WAY up on the premiums, like $1,000. a month for a

> tiny office, maybe 10 people.The boss has already laid down the law

> about cutting overhead, so it's very possible that they will drop

our

> health coverage. Of course, it's just being whispered about since

the

> supposition is that I'm the reason the rates are going up due to

> being on Remicade. I don't know what kinds of arthritis are

> considered " ininsurable " , I'm just trying to mentally prepare if

that

> is indeed what happens. not working is not an option since I still

> have one to get through college, and I don't know for sure how much

> help Chas' dad will be. Things are like walking on eggshells around

> the office, I will be so glad to get home and hug my baby girl. Any

> thoughts from my wall of wisdom here at the Group?

> Love yall

> jane

>

January 25, 2005

Judith, they have the option of a slightly more expensive plan that

will have a bit higher deductible, out of pocket, etc. But the owner

of our company can be very cold hearted when it comes to money. We

have downsized and I am doing my job plus what 3 other people used to

do. I am his secretary and have been here 15 years, but that doesn't

matter either.It is disheartening. I know it's in God's hands so I

have peace about that. thanks for your in put and for caring.

J

>

> Well, it's time to renew the health insurance here at the office,

and

> they are going WAY up on the premiums, like $1,000. a month for a

> tiny office, maybe 10 people.The boss has already laid down the law

> about cutting overhead, so it's very possible that they will drop

our

> health coverage. Of course, it's just being whispered about since

the

> supposition is that I'm the reason the rates are going up due to

> being on Remicade. I don't know what kinds of arthritis are

> considered " ininsurable " , I'm just trying to mentally prepare if

that

> is indeed what happens. not working is not an option since I still

> have one to get through college, and I don't know for sure how much

> help Chas' dad will be. Things are like walking on eggshells around

> the office, I will be so glad to get home and hug my baby girl. Any

> thoughts from my wall of wisdom here at the Group?

> Love yall

> jane

>

January 25, 2005

my boss was meeting with the insurance guy today

too........I am wondering how they will cut our

coverage too as we are a small office. The boss's

wife put in a good word for us though..........I don't

go to the dr all that often........I do need the

prescription coverage tho.........

We all need to say a few extra prayers that our

insurance coverage will be affordable for us....

Hugs

Pat

--- JANE <janeatregis@...> wrote:

>

> Judith, they have the option of a slightly more

> expensive plan that

> will have a bit higher deductible, out of pocket,

> etc. But the owner

> of our company can be very cold hearted when it

> comes to money. We

> have downsized and I am doing my job plus what 3

> other people used to

> do. I am his secretary and have been here 15 years,

> but that doesn't

> matter either.It is disheartening. I know it's in

> God's hands so I

> have peace about that. thanks for your in put and

> for caring.

> J

>

> >

> > Well, it's time to renew the health insurance here

> at the office,

> and

> > they are going WAY up on the premiums, like

> $1,000. a month for a

> > tiny office, maybe 10 people.The boss has already

> laid down the law

> > about cutting overhead, so it's very possible that

> they will drop

> our

> > health coverage. Of course, it's just being

> whispered about since

> the

> > supposition is that I'm the reason the rates are

> going up due to

> > being on Remicade. I don't know what kinds of

> arthritis are

> > considered " ininsurable " , I'm just trying to

> mentally prepare if

> that

> > is indeed what happens. not working is not an

> option since I still

> > have one to get through college, and I don't know

> for sure how much

> > help Chas' dad will be. Things are like walking on

> eggshells around

> > the office, I will be so glad to get home and hug

> my baby girl. Any

> > thoughts from my wall of wisdom here at the Group?

> > Love yall

> > jane

> >

January 25, 2005

my boss was meeting with the insurance guy today

too........I am wondering how they will cut our

coverage too as we are a small office. The boss's

wife put in a good word for us though..........I don't

go to the dr all that often........I do need the

prescription coverage tho.........

We all need to say a few extra prayers that our

insurance coverage will be affordable for us....

Hugs

Pat

--- JANE <janeatregis@...> wrote:

>

> Judith, they have the option of a slightly more

> expensive plan that

> will have a bit higher deductible, out of pocket,

> etc. But the owner

> of our company can be very cold hearted when it

> comes to money. We

> have downsized and I am doing my job plus what 3

> other people used to

> do. I am his secretary and have been here 15 years,

> but that doesn't

> matter either.It is disheartening. I know it's in

> God's hands so I

> have peace about that. thanks for your in put and

> for caring.

> J

>

> >

> > Well, it's time to renew the health insurance here

> at the office,

> and

> > they are going WAY up on the premiums, like

> $1,000. a month for a

> > tiny office, maybe 10 people.The boss has already

> laid down the law

> > about cutting overhead, so it's very possible that

> they will drop

> our

> > health coverage. Of course, it's just being

> whispered about since

> the

> > supposition is that I'm the reason the rates are

> going up due to

> > being on Remicade. I don't know what kinds of

> arthritis are

> > considered " ininsurable " , I'm just trying to

> mentally prepare if

> that

> > is indeed what happens. not working is not an

> option since I still

> > have one to get through college, and I don't know

> for sure how much

> > help Chas' dad will be. Things are like walking on

> eggshells around

> > the office, I will be so glad to get home and hug

> my baby girl. Any

> > thoughts from my wall of wisdom here at the Group?

> > Love yall

> > jane

> >

January 25, 2005

Jane - Insurance costs have just skyrocketed. You are not personally

responsible for all the increased costs- small office or no small office.

We( the attorney union at the office) have gotten lectured at my office

about the cost during contract negotiations and were offered two possible

programs and premiums.The choice was made part of the contract. Those of us

who require the more expensive coverage definitely pay higher premiums. it

is however, fortunately, still available to us.I had no choice - the

remicade cost is so high- I would not be able to pay for it on a lesser

program- and it is the only thing that has worked for me.I remember how

discouraged I was thinking about not being able to pay for the one thing

that had helped. Remicade manufacturer will donate the drug for low income

folks ( my clients qualify but I don't)- but the infusion itself is quite

costly- and the cost is discounted ONLY IF you have insurance. Up until two

years ago, our firm paid the entire cost of premiums for the higher cost

program- no election had to be made or paid for.

OT- when we were posting on Ken's poetry experience, you mentioned you were

from a family of writers from Texas. Then you know Vassar 's work- I

think she was qualified as a poet laureat e of Texas when W was governor.

Hugs and hang in there, (in MI)

[ ] Insurance renewal time

>

>Well, it's time to renew the health insurance here at the office, and

>they are going WAY up on the premiums, like $1,000. a month for a

>tiny office, maybe 10 people.The boss has already laid down the law

>about cutting overhead, so it's very possible that they will drop our

>health coverage. Of course, it's just being whispered about since the

>supposition is that I'm the reason the rates are going up due to

>being on Remicade. I don't know what kinds of arthritis are

>considered " ininsurable " , I'm just trying to mentally prepare if that

>is indeed what happens. not working is not an option since I still

>have one to get through college, and I don't know for sure how much

>help Chas' dad will be. Things are like walking on eggshells around

>the office, I will be so glad to get home and hug my baby girl. Any

>thoughts from my wall of wisdom here at the Group?

>Love yall

>jane

>

January 25, 2005