CRAZY TOWN WAITING ROOM - TESTS coming up? All Stages Welcome.
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This insurance thing is insane...I don't think any of them have a clue what they are doing......I say "Give all the Senators, and Reps the same options we have, and this shit would be solved in less then a week.....Now this is what I was told when I was considering changing companies......not easy to explain...anyway ....lets talk about pre-existing conditon...when I checked with a couple other companies, and this was a couple years ago ...I was told they would consider me..because they have to....and would not turn me down....BUT...and this is the BUT....my premim would be higher the someone who..."'has not had BC". ......I asked about the "preexisting bullcrap", and this is what I was told....the preexisting thing is for some one who "loses their job and goes to a new job, and has a preexisting conditon"....they cannot be turned down.......or.....If a company cancels or changes companies.....the new company "cannot turn you down for insurance if you have a preexisitng conditon".......if you just want to switch companies "just because".......your application will be taken becaue they have to...BUT...they"will take you, and your premimum goes throught the roof because of your preexisting condition".............That was info from Keystone 65, and United Healthcare.....
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I do feel sorry for those who are self-employed and have to go this route. And it makes me so mad that people in our situation are lumped into higher premiums, those selling life insurance and health insurance should be reminded that those who health issues didn't choose to get it, it just happened and there was nothing we could have done to avoid it!!!!
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i am retired on medicare and thank my stars that i was able to hang into working till 65
Back from the gym and the aca was topic of all, i think about people who are employed such as my hairdresser who lived with no hrealth insurance for most of the time i have known her, small salons never gave her insurance and she has wicked bad asthma from all the chemicals she has worked with.
Yeah, take away the house insurance and see how fast this is resolved
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We are only on the health care from hubby's job until we can get on the health care we got with his having been in the military.
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M0mmy, we have insurance with Tricare Prime as my hubby retired at 20+ years with the AF. They've covered everything we've needed for us to get through this BC crap, my meds are all free as well. They take forever to approve some things but it gets done. Doctors don't get paid anywhere near what the procedures cost but they all have the same outlook "It's the least we can do for our service members and their families" I don't know where we'd be without it. My DD's best friend passed away from BC less than a year of her being diagnosed due to having no insurance. (You can imagine my DD's reaction when I told her I have BC). I think if Lisa had a DBMX she would have had a fighting chance. Lisa wouldn't give up her breasts as she didn't want to be "deformed" for the rest of her life. Unfortunately her life ended before she reached the estimated life expectancy she was given at the time of her diagnosis. The first thing my DD told me was "The girls have to go! Right?" and I agreed with her. I had made the decision to let them go before I got the results of the biopsy. What they are trying to get passed as a farce of a health care bill is a life ender for all of us with any type of cancer. The only ones that will benefit are the ppl that don't need health insurance as they are rich and can pay for it and get major tax breaks. It's the little people that suffer as usual. Trump isn't fixing anything, he's just making everything worse. JMHO
Waving hello to everyone! 👋
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Galloping through--only one more week of accounting and then I'm on to the less time-consuming (snickering) "Routing and Switching" class reprise. But I had to chime in on the health care debacle...er, debate....um, discussion going on in the Senate now. Hopefully, the bill will end there. unlikely that I'd get coverage that was even remotely affordable, now that I have the empress of pre-existing conditions.
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Just a quick drop in ..
Have lots of family coming for lunch today ..and a couple of grandkids staying with us this week as it's school holidays here ..and their parents have to work ...
Our health system is different ..we all have Medicare ..but we can (and we do ) pay our own health insurance on-top of that ...that way we can avoid any waiting list ..which there definitely can be in the public system for non urgent matters ...and can also have our own choice of doctors , hospitals etc .
Octo ..did you get a watch ?? 😃
Love to all xx
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Untreated "dry eye" can lead to corneal abrasions, and in turn to eye infections—no fun.
My singing partner and his wife are in an insurance “donut hole," which unlike the Medicare Part D “donut hole" cannot be “climbed out of" by spending enough or resetting every new year. His wife gets a small disability pension from her union (taxi drivers) but couldn't get SSD because they didn't consider her disability serious enough. She is also not yet 60. Ergo, no Medicare. He won't be 65 yet for a few years, so no Medicare for him, either. Their combined income is just high enough to make them ineligible for Medicaid. Their premiums went up this year when their insurer lost its Federal indemnity subsidy, but they are also not eligible for the offsetting tax credit. Should the ACHA take effect, their premiums would skyrocket due to their age (and her preexisting conditions—because he's never been able to afford to seek treatment for any of his, they're not officially “pre-existing").
As bad as their situation is, when the ACA took effect they were at least finally able to get some insurance …for now. The prospective healthcare insurance legislation would make things far, far worse. Privately-purchased long-term care insurance is very rare these days, and its coverage is getting skimpier than when my mom was still alive a dozen years ago (and her benefits would have run out in three years, had she not passed away). She was able to have home care daily and avoid a nursing home. But what a lot of people don't realize is that Medicare pays only for acute skilled nursing care, for a short time after hospital discharge. Long-term nursing home care is either out-of-pocket or Medicaid (the latter kicks in when life savings and assets are fully exhausted). Most people in nursing homes are Medicaid patients. End Medicaid and this time the government really will be “pulling the plug on Grandma."
As good as my regular insurance was (United Choice Plus PPO) when I was first diagnosed, had surgery & radiation, on the day I became eligible for Medicare I felt like I had just caught the last helicopter out of Saigon in 1975.
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Any ache or pain makes me fear metastatic disease even though I know it's the estrogen blocker. PTSD for sure!
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Hi Curlylocks welcome to BCO and crazy town! Pull up a seat on the porch and have a cup of tea.
Health insurance certainly is a concern. My understanding if this goes through is it won't take place immediately and pre existing conditions will be covered if you already have insurance. I think Medicaid expansion will continue for at least most states. I worry all the time about if lose my job if Kenny will be able to afford insurance. Wyatt's covered through Medi Cal with institutional deeming if I lose my work insurance.
I am in Nashville! I on a a girls weekend with friends. It's so good to get away.
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Your right Molly..pre-existing condtions will continue, medicaid will continue....it is sad that there are those ot there who do not qualify for medicaid because they just miss the cut off.....I also believe if unlike the people who "truly" need medicaid there are so many who have made it a life style.....and for years they have been trying to put a halt to this, but they can't stop it..and it will continue as it is today as long as there are those who have no shame and who don't care that others paying their way.....
Another example I can give you is the schools....schools have boundries...you live within them, that is the school you attend...well that is the way it is in the philly suburbs....yet......everday kids from the surrounding city get on buses, trolley cars, etc, and walk into the same school that I am supporting by paying $7,000 a year in school tax while they find a way to "scam" t;he system by using someone elses address who lives in the suburbs...and our schools are overcrowded....of course tht is only the districts that "borer Philadelphia"....the further out yo live in the suburbs the harder it is to do that.......and trust me many of these people do not contribute anything to the school, other then trouble........
It will never be stopped....whether it is welfare scammers, medicaid scammers, or attending a school that yo do not belong in.........WHY....because no one does anything about it......
And God help those like Sandy's friends, my son-in-laws parents who just miss the cut off for getting help that they really need......while the "Able of this country live off the system"......ok I"m done.........but at 82, I have seen it for too long, and it still goes on.0 -
Good morning, Curlylocks. Welcome to CrazyTown--isn't that just so about every twinge and boo-boo sucking us down the rabbit hole?
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Curlylocks, welcome! I'm sorry you had to join our group of wonderful ladies but you've come to the right place to get the best help and support that's available.
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Welcome Curly....
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Welcome Curly ..
Molly ..enjoy your girl's weekend away ..sounds great !
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I am crazy enough without reading incomplete and sometimes incorrect information here about the proposed health care bill. I urge all of you to read the CBO report on the House version as well as the report on the Senate version coming out next week.
You can read the CBO report on the House version here:
https://www.cbo.gov/publication/52752
and there is good, evidence based non-partisan analysis on the Kaiser Family Foundation website here:
http://www.kff.org/health-reform/
By the way, for any of you who are not sure about Medicaid, you might be interested in what Republican Senator Heller from Nevada, a state that did do Medicaid expansion, has had to say.
http://newyork.cbslocal.com/2017/06/24/senate-heal..
As much as I love this thread, in my opinion this isn't a source of information that any of us should rely on given our serious stake in this issue as people with serious pre existing conditions and life long health care needs. Just my opinion of course but please get informed before you decide your representatives are (or aren't) doing the right thing. Your life could depend upon it.
On to happier topics: Lucy, no watch but I got the camera I wanted before I went to Australia, with two great lenses! Guess I am going to have to come on a return visit!
Love to all
Octogirl
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I guess I 'm fortunate, I never had problem with insurance.....I picked a plan, paid the premium and the rest is history.....Maybe its a Pa. thing....My husband was a Union Carpenter, and we never had co-pays..only problem was we were still paying for office visits to GP's and Specialists when many others were getting covered by either an HMO, or a PPO....that hurt realizeing you were sitting across form someone wowas paying $15.00 to see the same guy you were paying $150.00 to see......and with yoru GP ..yo were like $25/30 dollars and the other person was $5.00/10, and that included all their shots while we paid for each of my 6 kids shots.........for hospital/surgery/medicaine/tests they were great....but that was done so seldom (Thank God).......
After my husband died I lost all that because it was too expensive to pay for under COBRA, so I get my own insurance from another compay....but I never had a problem....then of course on to Medicare, and got a secondary insurance......did not get supplemental because it was way more money....and I didn't use it that often.....so the co-pay was the beter way to go.....Insurance sucks.....and 90% of the people who have it do't udnerstand it......and I think that is the problem now.......but I say "GIVE ALL THE POLITICIANS IN WASHINGTON THE SAME COVERAGE AS WE GET, AND SEE HOW FAST THE PROBLEM IS SOLVED.......AND TRUST ME, IT WILL BE GOOD IF THEY HAVE TO HAVE OUR CHOICES".....Like that's gonna happen..............
My mother was a government employee for years.....she had great coverage, and her pension was excellent........they take car eof themselves.0 -
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LOVE IT, Molly!!!!!
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alwajys knew muscician types were crazy,
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My kind of town!!!!!!!!!!!!!
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Octo: thank you so much for those links. You are correct that we need level, non-partisan information on the health reforms chugging through government, here more than anywhere.
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Welcome Curly! We all experience the crazies here. Lot's of support and kindness from all of these wonderful ladies!
Molly, Glad you are on a ladies trip away from everything! Perfect photo for us! Yesterday, I was talking to a friend who said she wants to visit NYC but her DH isn't interested. I said "me, too". I think this may be the way to go.
Octo, thanks for the info. It seems everyone and every news agency has their own slant on the issue. It seems to take more and more effort to find the basic facts... the truth as it used to be known.
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Poppy, I was just looking at a photo of the Empire State Building and thinking it had been WAAY too long since I was there. One more place for the post-retirement list! Go for it, I say!
Did I mention that Thursday is my last day at work? :-)
Octogirl
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oh, and with my trip and so much going on in my life, there is one other bit of news I think I may have forgotten to mention: just before I left for Australia my son got engaged to his girlfriend of three years. Wedding in September 2018, in Boston. Hubby and I are headed there in August to meet the other parents and kick off the celebrations! :-)
Octogirl
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Octo: such lovely news!
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Octo...I have 2 weddings in 2018.....one in March, and another in December.......a GRandaugher, and a Grandson......
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The Grandson is far right.......the grandaughter getting married is in the middle.........her twin is already married with 3 children...she is on the left.
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Proof that I really was in Oz (Australia)...Gabe was very relieved to learn that Koalas are really marsupials, not bears. He hates competition :-)
Hugs to all
Octogirl
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I have a stereotactic needle vacuum assisted biopsy first thing tomorrow morning. Scared! My screening and diagnostic mammograms showed hetereogeneous calcifications. Expecting the best but preparing for the worst.
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