Re: No insurance

[Guest guest]

in DC,

I think on it all depends on how risk tolerant you are and what you're

comfortable doing. Since your thinking of starting a small business

you're obviously comfortable with some risk.

Your present insurance does sound phenonemal but how much fun is it

working in a job you don't like? But as a small business owner, you

might be working longer hours with a less steady income, especially in

the beginning.

Contact your wife's health insurer to get the details on what they

will and will not cover for a transplant. And which hospitals are in

the network for transplantation.

My 2 cents.

Dike Ajiri

PSC dx 2002

>

> Hi All,

>

> This is from washignton, DC. I haven't checked in for a

long while, (feeling good and don't like to be reminded of the PSC).

Nevertheless, I have a question for everyone. I am thinking about

starting a small business. That would mean my giving up great health

insurance with my current employer. I have no symptoms now and I'm

only about 1.5 years from being DX. They say I'll probably have 10+

years or so before needing a TX.

>

> Is it absoultuely crazy for me to consider this? My wife has okay

health insurance, but it is not as good as my current insurer (multual

of Omaha - PPO: 100% in network, 80% out of network - no copay @

$60/month for me and my wife)

>

> What happens to people if they find themselves with little or no

health insurance - No TX?

>

> Sorry for this strange question, but I'm not happy with my job and

would love to start something of my own.

>

> Thanks in advance!

>

> Berry

> Washingotn DC

> UC DX 1994

> PSC DX 2005

>

>

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

> Cheap Talk? Check out Yahoo! Messenger's low PC-to-Phone call rates.

>

[Guest guest]

,

At the very least, you'd want to get on your wife's health insurance

because, yes, if you don't have insurance, you don't get a

transplant. They call it a " wallet biopsy. " When you go for your

evaluation, they take your card and decide if your insurance is

worthy enough. Literally. I always sighed with relief when they came

back and told me no problem. When you think of insurance, also think

about prescription drug coverage. Urso and then post-tx

immunosuppressents like Prograf and cyclosporin (sp?) are VERY

expensive. Without insurance, my monthly prograf bill would be over

$2,000. With insurance it is $25. Also, my over the counter

medicines and supplements are also expensive. I never had sinus

issues that required daily meds before immunosuppression, but now I

have to take muscinex daily. It costs 18.79 for 10 days of pills.

That adds up quick.

You might try searching the archives for " no insurance " because

people have posted several articles about not having insurance and

not getting transplants. Also, there are other members who have

delayed medical care because they didn't have insurance but got it

later to dire ends. I think it is wonderful that you're wanting to

spread your wings, but as a PSCer you should always throughout your

life think of maintaining health insurance as priority 1. I don't

mean this to sound pessimistic, but realistic. You can do this, as

long as you do it safely.

Also, think about life insurance. If you need it (most do) and you

have it with your employer only, you might be giving up this

important benefit if you leave. As a PSCer, I doubt you'd be able to

get it independently or if you could, it would cost a lot. Make sure

you ask your benefits people if this is a portable benefit. I kept

my life insurance when I quit my company for $71 a quarter, I have

$150K in coverage. It isn't much, but it is something to leave my

family if I don't make it.

I'm curious, what kind of business? I'm in the area, and if I needed

your services, I'd be happy to support another PSCer!

Best wishes,

Deb in VA

[Guest guest]

,

At the very least, you'd want to get on your wife's health insurance

because, yes, if you don't have insurance, you don't get a

transplant. They call it a " wallet biopsy. " When you go for your

evaluation, they take your card and decide if your insurance is

worthy enough. Literally. I always sighed with relief when they came

back and told me no problem. When you think of insurance, also think

about prescription drug coverage. Urso and then post-tx

immunosuppressents like Prograf and cyclosporin (sp?) are VERY

expensive. Without insurance, my monthly prograf bill would be over

$2,000. With insurance it is $25. Also, my over the counter

medicines and supplements are also expensive. I never had sinus

issues that required daily meds before immunosuppression, but now I

have to take muscinex daily. It costs 18.79 for 10 days of pills.

That adds up quick.

You might try searching the archives for " no insurance " because

people have posted several articles about not having insurance and

not getting transplants. Also, there are other members who have

delayed medical care because they didn't have insurance but got it

later to dire ends. I think it is wonderful that you're wanting to

spread your wings, but as a PSCer you should always throughout your

life think of maintaining health insurance as priority 1. I don't

mean this to sound pessimistic, but realistic. You can do this, as

long as you do it safely.

Also, think about life insurance. If you need it (most do) and you

have it with your employer only, you might be giving up this

important benefit if you leave. As a PSCer, I doubt you'd be able to

get it independently or if you could, it would cost a lot. Make sure

you ask your benefits people if this is a portable benefit. I kept

my life insurance when I quit my company for $71 a quarter, I have

$150K in coverage. It isn't much, but it is something to leave my

family if I don't make it.

I'm curious, what kind of business? I'm in the area, and if I needed

your services, I'd be happy to support another PSCer!

Best wishes,

Deb in VA

[Guest guest]

,

At the very least, you'd want to get on your wife's health insurance

because, yes, if you don't have insurance, you don't get a

transplant. They call it a " wallet biopsy. " When you go for your

evaluation, they take your card and decide if your insurance is

worthy enough. Literally. I always sighed with relief when they came

back and told me no problem. When you think of insurance, also think

about prescription drug coverage. Urso and then post-tx

immunosuppressents like Prograf and cyclosporin (sp?) are VERY

expensive. Without insurance, my monthly prograf bill would be over

$2,000. With insurance it is $25. Also, my over the counter

medicines and supplements are also expensive. I never had sinus

issues that required daily meds before immunosuppression, but now I

have to take muscinex daily. It costs 18.79 for 10 days of pills.

That adds up quick.

You might try searching the archives for " no insurance " because

people have posted several articles about not having insurance and

not getting transplants. Also, there are other members who have

delayed medical care because they didn't have insurance but got it

later to dire ends. I think it is wonderful that you're wanting to

spread your wings, but as a PSCer you should always throughout your

life think of maintaining health insurance as priority 1. I don't

mean this to sound pessimistic, but realistic. You can do this, as

long as you do it safely.

Also, think about life insurance. If you need it (most do) and you

have it with your employer only, you might be giving up this

important benefit if you leave. As a PSCer, I doubt you'd be able to

get it independently or if you could, it would cost a lot. Make sure

you ask your benefits people if this is a portable benefit. I kept

my life insurance when I quit my company for $71 a quarter, I have

$150K in coverage. It isn't much, but it is something to leave my

family if I don't make it.

I'm curious, what kind of business? I'm in the area, and if I needed

your services, I'd be happy to support another PSCer!

Best wishes,

Deb in VA

[Guest guest]

Thanks for the heads up!

I would never want to be without health insurance, but I would go on

my wife's. The policy isn't as good, but it's okay. I guess my

main question is if I get employed again with another business that

has group coverage wouldn't they just accept me? I'll look back in

the archives and see what has been said on the subject.

Thanks for your input!

P.S. I have a wacky idea about starting an environmental/political

restaurant in DC

>

> ,

> At the very least, you'd want to get on your wife's health

insurance

> because, yes, if you don't have insurance, you don't get a

> transplant. They call it a " wallet biopsy. " When you go for your

> evaluation, they take your card and decide if your insurance is

> worthy enough. Literally. I always sighed with relief when they

came

> back and told me no problem. When you think of insurance, also

think

> about prescription drug coverage. Urso and then post-tx

> immunosuppressents like Prograf and cyclosporin (sp?) are VERY

> expensive. Without insurance, my monthly prograf bill would be

over

> $2,000. With insurance it is $25. Also, my over the counter

> medicines and supplements are also expensive. I never had sinus

> issues that required daily meds before immunosuppression, but now

I

> have to take muscinex daily. It costs 18.79 for 10 days of pills.

> That adds up quick.

>

> You might try searching the archives for " no insurance " because

> people have posted several articles about not having insurance and

> not getting transplants. Also, there are other members who have

> delayed medical care because they didn't have insurance but got it

> later to dire ends. I think it is wonderful that you're wanting to

> spread your wings, but as a PSCer you should always throughout

your

> life think of maintaining health insurance as priority 1. I don't

> mean this to sound pessimistic, but realistic. You can do this, as

> long as you do it safely.

>

> Also, think about life insurance. If you need it (most do) and you

> have it with your employer only, you might be giving up this

> important benefit if you leave. As a PSCer, I doubt you'd be able

to

> get it independently or if you could, it would cost a lot. Make

sure

> you ask your benefits people if this is a portable benefit. I kept

> my life insurance when I quit my company for $71 a quarter, I have

> $150K in coverage. It isn't much, but it is something to leave my

> family if I don't make it.

>

> I'm curious, what kind of business? I'm in the area, and if I

needed

> your services, I'd be happy to support another PSCer!

>

> Best wishes,

> Deb in VA

>

[Guest guest]

DO NOT GO WITHOUT INSURANCE!Absolutely positively without hesitation, if at all possible DO NOT GIVE UP HEALTH INSURANCE. I don't know how to tell you how important that it.My brother is without insurance, he was well and is doing ok, stable is what his doctor calls it, but he is also watched like a hawk, blood draws every month, and a doctor visit, first sign of infection they put him on antibiotics before he gets to sick and ends up in a hospital.The transplant center won't even talk to him or look at his file without funding. Of course he is on disability and Medicare kicks in in Feb., but it has been a VERY LONG AND VERY FRUSTRATING trek to Medicare.Even if you feel fine now, and I pray that you never get ill, or the ugly symptoms do not go without insurance, once you are without, you will have a hard time getting coverage again, if you can. We can't even get a miniscule life insurance policy on my brother because he

has a dx of liver disease.Even if the insurance is so-so, it is better than nothing and not worth the risk, to many of us know that it just takes one episode, one cold, one thing that can turn things around and go from virtually healthy one day-to sick the next.I don't mean to be synical or be a downer, I just know how important that health insurance is, and how NOT worth the risk it is to be without it. Little insurance is so much better than no insurance. in TexasBrother, , 30, PSC & UC

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[Guest guest]

DO NOT GO WITHOUT INSURANCE!Absolutely positively without hesitation, if at all possible DO NOT GIVE UP HEALTH INSURANCE. I don't know how to tell you how important that it.My brother is without insurance, he was well and is doing ok, stable is what his doctor calls it, but he is also watched like a hawk, blood draws every month, and a doctor visit, first sign of infection they put him on antibiotics before he gets to sick and ends up in a hospital.The transplant center won't even talk to him or look at his file without funding. Of course he is on disability and Medicare kicks in in Feb., but it has been a VERY LONG AND VERY FRUSTRATING trek to Medicare.Even if you feel fine now, and I pray that you never get ill, or the ugly symptoms do not go without insurance, once you are without, you will have a hard time getting coverage again, if you can. We can't even get a miniscule life insurance policy on my brother because he

has a dx of liver disease.Even if the insurance is so-so, it is better than nothing and not worth the risk, to many of us know that it just takes one episode, one cold, one thing that can turn things around and go from virtually healthy one day-to sick the next.I don't mean to be synical or be a downer, I just know how important that health insurance is, and how NOT worth the risk it is to be without it. Little insurance is so much better than no insurance. in TexasBrother, , 30, PSC & UC

Access over 1 million songs - Yahoo! Music Unlimited.

[Guest guest]

DO NOT GO WITHOUT INSURANCE!Absolutely positively without hesitation, if at all possible DO NOT GIVE UP HEALTH INSURANCE. I don't know how to tell you how important that it.My brother is without insurance, he was well and is doing ok, stable is what his doctor calls it, but he is also watched like a hawk, blood draws every month, and a doctor visit, first sign of infection they put him on antibiotics before he gets to sick and ends up in a hospital.The transplant center won't even talk to him or look at his file without funding. Of course he is on disability and Medicare kicks in in Feb., but it has been a VERY LONG AND VERY FRUSTRATING trek to Medicare.Even if you feel fine now, and I pray that you never get ill, or the ugly symptoms do not go without insurance, once you are without, you will have a hard time getting coverage again, if you can. We can't even get a miniscule life insurance policy on my brother because he

has a dx of liver disease.Even if the insurance is so-so, it is better than nothing and not worth the risk, to many of us know that it just takes one episode, one cold, one thing that can turn things around and go from virtually healthy one day-to sick the next.I don't mean to be synical or be a downer, I just know how important that health insurance is, and how NOT worth the risk it is to be without it. Little insurance is so much better than no insurance. in TexasBrother, , 30, PSC & UC

Access over 1 million songs - Yahoo! Music Unlimited.

[Guest guest]

Dear Deb,

with very much interest I read your e-mail to . So, you say that if you have no insurance and need a transplant, you won't get one. That would mean, they let you die, because you do not have insurance??? Am I understand this right? Because I do not have any insurance and my Exploritory OP in Feb. last year, was totally covered by the HCAP of the Clinic. My husband is working but the employer doesn't have Insurance for the employee's either. As I am not working, we fall under a certain income group. My medication of Urso, which would cost me for 1 month $ 125-00 is covered except a $ 2 for prescription fee, by Axcan. I applied for medical assistance program and was 100% approved as we are on a low income. My stent change every 8 to 10 weeks at the Clinic is also 100% covered by the Clinic. I have to go soon for an Ultrasound Biopsy of my liver and this is also covered. I am not getting Medi Care, as I am not a US citizen, I am a permanent resident since 5 years. If and only if the Clinic would not cover my transplant, which I hope I would not have to have, than eventually I am busted. I guess I make than better sure with the Clinic before they start me one day on an Evaluation if I am somehow covered. If not, yeah, I guess I push daisies one day than LOL.

Jutta (PSC since 2004)

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[Guest guest]

Dear Deb,

with very much interest I read your e-mail to . So, you say that if you have no insurance and need a transplant, you won't get one. That would mean, they let you die, because you do not have insurance??? Am I understand this right? Because I do not have any insurance and my Exploritory OP in Feb. last year, was totally covered by the HCAP of the Clinic. My husband is working but the employer doesn't have Insurance for the employee's either. As I am not working, we fall under a certain income group. My medication of Urso, which would cost me for 1 month $ 125-00 is covered except a $ 2 for prescription fee, by Axcan. I applied for medical assistance program and was 100% approved as we are on a low income. My stent change every 8 to 10 weeks at the Clinic is also 100% covered by the Clinic. I have to go soon for an Ultrasound Biopsy of my liver and this is also covered. I am not getting Medi Care, as I am not a US citizen, I am a permanent resident since 5 years. If and only if the Clinic would not cover my transplant, which I hope I would not have to have, than eventually I am busted. I guess I make than better sure with the Clinic before they start me one day on an Evaluation if I am somehow covered. If not, yeah, I guess I push daisies one day than LOL.

Jutta (PSC since 2004)

Share your latest news with your friends with the Windows Live Spaces friends module.

[Guest guest]

Dear Deb,

with very much interest I read your e-mail to . So, you say that if you have no insurance and need a transplant, you won't get one. That would mean, they let you die, because you do not have insurance??? Am I understand this right? Because I do not have any insurance and my Exploritory OP in Feb. last year, was totally covered by the HCAP of the Clinic. My husband is working but the employer doesn't have Insurance for the employee's either. As I am not working, we fall under a certain income group. My medication of Urso, which would cost me for 1 month $ 125-00 is covered except a $ 2 for prescription fee, by Axcan. I applied for medical assistance program and was 100% approved as we are on a low income. My stent change every 8 to 10 weeks at the Clinic is also 100% covered by the Clinic. I have to go soon for an Ultrasound Biopsy of my liver and this is also covered. I am not getting Medi Care, as I am not a US citizen, I am a permanent resident since 5 years. If and only if the Clinic would not cover my transplant, which I hope I would not have to have, than eventually I am busted. I guess I make than better sure with the Clinic before they start me one day on an Evaluation if I am somehow covered. If not, yeah, I guess I push daisies one day than LOL.

Jutta (PSC since 2004)

Share your latest news with your friends with the Windows Live Spaces friends module.

[Guest guest]

Jutta,

I didn't mean to scare anyone, but I did mean to make sure that

knows that for people who do not qualify for low income

programs, that there is a place where you can fall through the

cracks. My information was based on what I was told when I listed at

three transplant centers in 2005. Also, I read an article someone

posted on here about how someone did die because he/she didn't have

health insurance. You can get a transplant without health insurance,

but you have to raise a lot of money first to show the hospital that

you're ready to pay. These operations are VERY expensive. I haven't

added all of my bills/benefits statements up, but I'd say that with

surgery itself and all of my hospitalizations since the transplant,

I'm pushing $500K charges. My insurance has covered all but about

$2,000 of it. Most transplants cost about $250K give or take.

If you are " middle class " but do not have health insurance, then

prescription programs like the one you mention for your Urso do not

help. You have to be under a certain number for income (varies by

program) to get help from any progam. It sounds like you've been

able to secure funding from a great source for your current

healthcare needs. Thank goodness! I would ask them questions about

how far the programs' coverage will go, though, just to know where

you stand...It is always better to be prepared...

HTH,

Deb in VA

[Guest guest]

Jutta,

I didn't mean to scare anyone, but I did mean to make sure that

knows that for people who do not qualify for low income

programs, that there is a place where you can fall through the

cracks. My information was based on what I was told when I listed at

three transplant centers in 2005. Also, I read an article someone

posted on here about how someone did die because he/she didn't have

health insurance. You can get a transplant without health insurance,

but you have to raise a lot of money first to show the hospital that

you're ready to pay. These operations are VERY expensive. I haven't

added all of my bills/benefits statements up, but I'd say that with

surgery itself and all of my hospitalizations since the transplant,

I'm pushing $500K charges. My insurance has covered all but about

$2,000 of it. Most transplants cost about $250K give or take.

If you are " middle class " but do not have health insurance, then

prescription programs like the one you mention for your Urso do not

help. You have to be under a certain number for income (varies by

program) to get help from any progam. It sounds like you've been

able to secure funding from a great source for your current

healthcare needs. Thank goodness! I would ask them questions about

how far the programs' coverage will go, though, just to know where

you stand...It is always better to be prepared...

HTH,

Deb in VA

[Guest guest]

Jutta,

I didn't mean to scare anyone, but I did mean to make sure that

knows that for people who do not qualify for low income

programs, that there is a place where you can fall through the

cracks. My information was based on what I was told when I listed at

three transplant centers in 2005. Also, I read an article someone

posted on here about how someone did die because he/she didn't have

health insurance. You can get a transplant without health insurance,

but you have to raise a lot of money first to show the hospital that

you're ready to pay. These operations are VERY expensive. I haven't

added all of my bills/benefits statements up, but I'd say that with

surgery itself and all of my hospitalizations since the transplant,

I'm pushing $500K charges. My insurance has covered all but about

$2,000 of it. Most transplants cost about $250K give or take.

If you are " middle class " but do not have health insurance, then

prescription programs like the one you mention for your Urso do not

help. You have to be under a certain number for income (varies by

program) to get help from any progam. It sounds like you've been

able to secure funding from a great source for your current

healthcare needs. Thank goodness! I would ask them questions about

how far the programs' coverage will go, though, just to know where

you stand...It is always better to be prepared...

HTH,

Deb in VA

[Guest guest]

,

Well, please do keep us updated. I am not

too far from DC either…although…I don’t know if I am all that

political…I am more environmental. LOL!

Married a biologist and all…maybe

that is more conservationist.

Mom of Zoe

(13) super soccer player;

Noah (9) UC,

PSC, and osteopenia and a great soccer and basketball player and;

Aidan (5)

moderately-severely hearing impaired great basketball shot (10-foot

hoop none-the-less)

[Guest guest]

,

Well, please do keep us updated. I am not

too far from DC either…although…I don’t know if I am all that

political…I am more environmental. LOL!

Married a biologist and all…maybe

that is more conservationist.

Mom of Zoe

(13) super soccer player;

Noah (9) UC,

PSC, and osteopenia and a great soccer and basketball player and;

Aidan (5)

moderately-severely hearing impaired great basketball shot (10-foot

hoop none-the-less)

[Guest guest]

,

Well, please do keep us updated. I am not

too far from DC either…although…I don’t know if I am all that

political…I am more environmental. LOL!

Married a biologist and all…maybe

that is more conservationist.

Mom of Zoe

(13) super soccer player;

Noah (9) UC,

PSC, and osteopenia and a great soccer and basketball player and;

Aidan (5)

moderately-severely hearing impaired great basketball shot (10-foot

hoop none-the-less)

[Guest guest]

Wow, I had no idea life insurance could be portable. I'll check that

out next time I change jobs.

As a PSCer, getting life insurance outside an employer plan is a

non-starter. I tried.

Massachusetts has made having health insurance mandatory, starting

later next year. There will be low cost plans for low income people,

and a high-risk pool. The plans still haven't been announced, so I

don't know what the middle income premiums would be in the high risk

pool. It's a big experiment, I hope there is enough commitment to make

the numbers work for hospitals and patients.

Martha (MA)

> Also, think about life insurance. If you need it (most do) and you

> have it with your employer only, you might be giving up this

> important benefit if you leave. As a PSCer, I doubt you'd be able to

> get it independently or if you could, it would cost a lot. Make sure

> you ask your benefits people if this is a portable benefit.

[Guest guest]

Wow, I had no idea life insurance could be portable. I'll check that

out next time I change jobs.

As a PSCer, getting life insurance outside an employer plan is a

non-starter. I tried.

Massachusetts has made having health insurance mandatory, starting

later next year. There will be low cost plans for low income people,

and a high-risk pool. The plans still haven't been announced, so I

don't know what the middle income premiums would be in the high risk

pool. It's a big experiment, I hope there is enough commitment to make

the numbers work for hospitals and patients.

Martha (MA)

> Also, think about life insurance. If you need it (most do) and you

> have it with your employer only, you might be giving up this

> important benefit if you leave. As a PSCer, I doubt you'd be able to

> get it independently or if you could, it would cost a lot. Make sure

> you ask your benefits people if this is a portable benefit.

[Guest guest]

Wow, I had no idea life insurance could be portable. I'll check that

out next time I change jobs.

As a PSCer, getting life insurance outside an employer plan is a

non-starter. I tried.

Massachusetts has made having health insurance mandatory, starting

later next year. There will be low cost plans for low income people,

and a high-risk pool. The plans still haven't been announced, so I

don't know what the middle income premiums would be in the high risk

pool. It's a big experiment, I hope there is enough commitment to make

the numbers work for hospitals and patients.

Martha (MA)

> Also, think about life insurance. If you need it (most do) and you

> have it with your employer only, you might be giving up this

> important benefit if you leave. As a PSCer, I doubt you'd be able to

> get it independently or if you could, it would cost a lot. Make sure

> you ask your benefits people if this is a portable benefit.

[Guest guest]

, Its not good to work in a job you don't like but there will also be stress in starting up and running your own business. This should also be taken into consideration when you make your decision. I agree with Dike check with your wife's insurance company and see what they cover. I'm probably a little more pessimistic than the rest of the group here but these doctors don't seem to know what they are talking about half the time. I was told that I wouldn't have to worry about a transplant for 10 to 20 years. Well I got bad real fast and needed my transplant in 5 years. Just some food for though. Pat(CA) wrote: Hi All, This is from washignton, DC. I haven't checked in for a long while, (feeling good and don't like to be reminded of the PSC). Nevertheless, I have a question for everyone. I am thinking about starting a small business. That would mean my giving up great health insurance with my current employer. I have no symptoms now and I'm only about 1.5 years from being DX. They say I'll probably have 10+ years or so before needing a TX. Is it absoultuely crazy for me to consider this? My wife has okay health insurance, but it is not as good as my

current insurer (multual of Omaha - PPO: 100% in network, 80% out of network - no copay @ $60/month for me and my wife) What happens to people if they find themselves with little or no health insurance - No TX? Sorry for this strange question, but I'm not happy with my job and would love to start something of my own. Thanks in advance! Berry Washingotn DC UC DX 1994 PSC DX 2005 Cheap Talk? Check out Yahoo! Messenger's low PC-to-Phone call rates.

Cheap Talk? Check out Yahoo! Messenger's low PC-to-Phone call rates.

[Guest guest]

, Its not good to work in a job you don't like but there will also be stress in starting up and running your own business. This should also be taken into consideration when you make your decision. I agree with Dike check with your wife's insurance company and see what they cover. I'm probably a little more pessimistic than the rest of the group here but these doctors don't seem to know what they are talking about half the time. I was told that I wouldn't have to worry about a transplant for 10 to 20 years. Well I got bad real fast and needed my transplant in 5 years. Just some food for though. Pat(CA) wrote: Hi All, This is from washignton, DC. I haven't checked in for a long while, (feeling good and don't like to be reminded of the PSC). Nevertheless, I have a question for everyone. I am thinking about starting a small business. That would mean my giving up great health insurance with my current employer. I have no symptoms now and I'm only about 1.5 years from being DX. They say I'll probably have 10+ years or so before needing a TX. Is it absoultuely crazy for me to consider this? My wife has okay health insurance, but it is not as good as my

current insurer (multual of Omaha - PPO: 100% in network, 80% out of network - no copay @ $60/month for me and my wife) What happens to people if they find themselves with little or no health insurance - No TX? Sorry for this strange question, but I'm not happy with my job and would love to start something of my own. Thanks in advance! Berry Washingotn DC UC DX 1994 PSC DX 2005 Cheap Talk? Check out Yahoo! Messenger's low PC-to-Phone call rates.

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[Guest guest]

, Its not good to work in a job you don't like but there will also be stress in starting up and running your own business. This should also be taken into consideration when you make your decision. I agree with Dike check with your wife's insurance company and see what they cover. I'm probably a little more pessimistic than the rest of the group here but these doctors don't seem to know what they are talking about half the time. I was told that I wouldn't have to worry about a transplant for 10 to 20 years. Well I got bad real fast and needed my transplant in 5 years. Just some food for though. Pat(CA) wrote: Hi All, This is from washignton, DC. I haven't checked in for a long while, (feeling good and don't like to be reminded of the PSC). Nevertheless, I have a question for everyone. I am thinking about starting a small business. That would mean my giving up great health insurance with my current employer. I have no symptoms now and I'm only about 1.5 years from being DX. They say I'll probably have 10+ years or so before needing a TX. Is it absoultuely crazy for me to consider this? My wife has okay health insurance, but it is not as good as my

current insurer (multual of Omaha - PPO: 100% in network, 80% out of network - no copay @ $60/month for me and my wife) What happens to people if they find themselves with little or no health insurance - No TX? Sorry for this strange question, but I'm not happy with my job and would love to start something of my own. Thanks in advance! Berry Washingotn DC UC DX 1994 PSC DX 2005 Cheap Talk? Check out Yahoo! Messenger's low PC-to-Phone call rates.

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