Author Topic: Wholly kerrap! Paying Cobra insurance rates! (Read 1004 times)

LePaul · « **on:** June 16, 2003, 10:15:19 AM »

Man I'm going thru this now and just got the first bill. Good grief!

You see, since I was a UPS employee/Teamster, I had coverage until July 1. My surgery is all approved for payment via them...but the Dr's Dad died and all got re-arranged for next month.

Well there's no real gurantee going back to my full-time employer's policy will cover this procedure in time. So, I've opted to stick to the known good...but ouch! $822 for 3 months of coverage...or $402 per month!

The bigger gamble is go to the other plan, pay my $100 a month and hope they cover all....and if not, well, then pay a few grand for operating room expenses, etc. By those numbers, $822 is cheap!

Anyone else been thru this Cobra fun? eh gad!

And that's just for *me*, I have no idea the insurance costs for a family, etc

Sikboy · « **Reply #1 on:** June 16, 2003, 10:16:42 AM »

lol, and I thought this was going to be another car thread

-Sik

Dnil · « **Reply #2 on:** June 16, 2003, 10:21:55 AM »

yea did the cobra thing its a huge fuggin rip off....had it in case something major happened. I just love the insurance business.

Dowding · « **Reply #3 on:** June 16, 2003, 10:24:42 AM »

That's alot of money. Makes me glad I have healthcare through taxation.

JB73 · « **Reply #4 on:** June 16, 2003, 10:31:22 AM »

ya LePaul ..i had to deal with cobra from my last job.

keep cobra!

i have a disease called still's disease and had regular DR apts and blood tests back when i was let go. w/o the insurance i would be bankrupt.

<~~> and good luck!~~

LePaul · « **Reply #5 on:** June 16, 2003, 10:33:58 AM »

It could be worse, you could have "Ripsnort Post potato Syndrome"

Hope you are getting better! That's a youthful version of Rhumatoid Arthitis?

Syzygyone · « **Reply #6 on:** June 16, 2003, 10:58:45 AM »

Quote

Originally posted by Dowding
That's alot of money. Makes me glad I have healthcare through taxation.

Dowd, old bean!

That should be "healthcare" through taxation!
because we all know that what government's decide is "healthcare" ain't the same a real healthcare.

Siaf__csf · « **Reply #7 on:** June 16, 2003, 11:55:55 AM »

What would you know, since you never had a chance to try it.

There's free public healthcare and there's government subsidized private healthcare (half the price and very good indeed.)

You just seem to have some weird myth about the public healthcare, it's mostly excellent despite your beliefs. And it's not free - it's included in the taxes. Only difference is that when it's done our way, everyone can get treatment for thier problems regardless of thier wealth.

capt. apathy · « **Reply #8 on:** June 16, 2003, 12:11:46 PM »

822 for 3 months isn't so bad.

5 years ago I was injured at work and was laid-up for 9 months. during this time I paid nothing into our insurance plan. (it's hourly based- about $3 per hour I work goes into the plan, you have to have 275 hours per 1/4 to be insured and you can 'bank' some hours to save up for seasons when there is no work)

while my insurance wont lapse while injured, all the banked hours are drained during this time. so I get released to go to work with 2 weeks left in the 1/4, I have 2 weeks to work 275 hours (with no available jobs at this time) or lose my insurance.

the cobra payment was $302 per person per month, or $4530 per 1/4 for my family of 5. so it got me to thinking if the company pays in the $3 per hour (for 275 hour) and that can insure me for 3 months, why does it cost me $4530 to pay for the same insurance that the company pays about $825 for?

doesn't seem right to me.

also we are self insured and the companies pay in on our(workers) behalf. so in effect our insurance plan charges the members who own it a higher premium price than the employers who pay in.

Syzygyone · « **Reply #9 on:** June 16, 2003, 12:35:14 PM »

Quote

Originally posted by Siaf__csf
What would you know, since you never had a chance to try it.

There's free public healthcare and there's government subsidized private healthcare (half the price and very good indeed.)

You just seem to have some weird myth about the public healthcare, it's mostly excellent despite your beliefs. And it's not free - it's included in the taxes. Only difference is that when it's done our way, everyone can get treatment for thier problems regardless of thier wealth.

I didn't suggest it was free.

Nothing in that socialist debacle you live in is "free"

And how do you know I never had a chance to try it.

And, in fact, it's apparent that it is you that seems to believe wierd myths about private healthcare.

Gawd, you're such a defensive arrogant ass, it isn't worth the time to try and edify you.

JB73 · « **Reply #10 on:** June 16, 2003, 01:06:39 PM »

Quote

Originally posted by LePaul
It could be worse, you could have "Ripsnort Post potato Syndrome"

Hope you are getting better! That's a youthful version of Rhumatoid Arthitis?

LOL .. im fine now. TY though.
yeah its a form of Rhumatoid Arthitis. i missed my junior year in HS then it came back in '97. off meds since 2001 and feeling fine. doc says it might never come back or be back next week (oh well until then

)

miko2d · « **Reply #11 on:** June 16, 2003, 01:06:56 PM »

Syzygyone: And, in fact, it's apparent that it is you that seems to believe wierd myths about private healthcare.

That's easy when one is too ignorant to know what he is missing. I bet the north koreans are as sure as Siaf is that they have the best healthcare in the world.

miko

gofaster · « **Reply #12 on:** June 16, 2003, 01:30:17 PM »

I dislocated my left index finger playing in a beach volleyball tournament on Saturday. I played through the pain and won 3rd place. Now its swollen so much that I can't move it, it feels like a vienna sausage, and my job requires extensive, accurate typing. You don't see me crying about pain, do you? Walk it off you slackers!

Syzygyone · « **Reply #13 on:** June 16, 2003, 01:38:21 PM »

Quote

Originally posted by miko2d
Syzygyone: And, in fact, it's apparent that it is you that seems to believe wierd myths about private healthcare.

That's easy when one is too ignorant to know what he is missing. I bet the north koreans are as sure as Siaf is that they have the best healthcare in the world.

miko

Actually Miko, I agree, and that frightens me something fierce!

Syzygyone · « **Reply #14 on:** June 16, 2003, 01:39:45 PM »

Quote

Originally posted by gofaster
I dislocated my left index finger playing in a beach volleyball tournament on Saturday. I played through the pain and won 3rd place. Now its swollen so much that I can't move it, it feels like a vienna sausage, . . .!

Geez, I hope that isn't your trigger finger!:(