Aces High Bulletin Board
General Forums => The O' Club => Topic started by: LePaul on June 16, 2003, 10:15:19 AM
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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
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lol, and I thought this was going to be another car thread
-Sik
(http://www.midstatesclassics.com/images/blue_cobra_grass.jpg)
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yea did the cobra thing its a huge fuggin rip off....had it in case something major happened. I just love the insurance business.
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That's alot of money. Makes me glad I have healthcare through taxation.
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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. :eek:
<> and good luck!
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It could be worse, you could have "Ripsnort Post potato Syndrome" :p
Hope you are getting better! That's a youthful version of Rhumatoid Arthitis?
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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.
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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.
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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.
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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. :rolleyes: 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.
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Originally posted by LePaul
It could be worse, you could have "Ripsnort Post potato Syndrome" :p
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 ;) )
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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
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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! :p
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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!
:D
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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, . . .! :p
Geez, I hope that isn't your trigger finger!:(
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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, and my job requires extensive, accurate typing. You don't see me crying about pain, do you? Walk it off you slackers! :p
What I *really* want to know is
1) How long it took you to type this
2) How many times did you hit Backspace
and...horray for you...LOL
:p
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Put it this way Syz, I've never been disappointed by the healthcare I've received from the NHS and I've used it for various stuff from CAT scans, ECG etc to casualty (ER). What I also know is that I don't have to pay $402 a month for it; in fact $402 is more than I pay in total for income tax and national insurance and that covers everything. AND I have private health cover as part of my job included! So, not only does LePaul have to pay these private insurance companies a huge amount of dosh, he then has to pay income tax. I'd say I've got a decent deal, comparatively speaking. Of course, every system has it's pros and cons.
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Originally posted by Dowding
Put it this way Syz, I've never been disappointed by the healthcare I've received from the NHS and I've used it for various stuff from CAT scans, ECG etc to casualty (ER). What I also know is that I don't have to pay $402 a month for it; in fact $402 is more than I pay in total for income tax and national insurance and that covers everything. AND I have private health cover as part of my job included! So, not only does LePaul have to pay these private insurance companies a huge amount of dosh, he then has to pay income tax. I'd say I've got a decent deal, comparatively speaking.
Yes, but you have to live in England which is close to Siaf and France !:eek:
j/k :D
I am curious though, about some issues which your post raises. I'm not asking to be judgmental. I'm truly curious.
You say you have both private insurance and national insurance. Who pays for the private? You or your employer or a combination? Which insurance pays first and how much? Does the other one pick of any unpaid balance, i.e. supplemental insurance? Are you required to use state medical first and then go to private, or vice versa? Finally, what happens if you don't like what that government docs are doing? Can you go to a different doctor?
Really Dowd, I am just curious.
Thanks.
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I was in hospital for over a month, both in the private ward and NHS ward.
The NHS is ok if you cant afford private healthcare, but there is no way i ever want to stay in an NHS ward again unless i have absolutely no option.
Private however is a different story, luckily i'm covered through my mum's job.
Who pays for the private? You or your employer or a combination? Which insurance pays first and how much? Does the other one pick of any unpaid balance, i.e. supplemental insurance? Are you required to use state medical first and then go to private, or vice versa? Finally, what happens if you don't like what that government docs are doing? Can you go to a different doctor?
Company my mum works for paid for my operation and recovery. I even received from BUPA (private company) £50 compensation from them for each night i had to spend in the NHS ward.
Cant remember exactly how much my operation cost, think it was around £5,000 + £300-400 per night while in hospital.
For emergencies you have to go to A & E (accident and emergency) which is run by the NHS and then you can move to the private ward of the hospital, or go to a completely seperate hospital soley for private healthcare depending on the seriousness of the problem. I dont know if u can change doctors, its probable that you can change.
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Syzygyone: Actually Miko, I agree, and that frightens me something fierce!
:D
In fact, when I lived in Soviet Union, I was extremely ignorant of many things I was missing too. If one has no access to the information but only to one-sided propaganda, it's only expected that people would have an opinion based on ignorance.
What frightens me more is how many people with access to information prefer not to use it, relying instead on pre-packaged opinions served by propaganda machines.
Dowding: Put it this way Syz, I've never been disappointed by the healthcare I've received from the NHS...
Because you do not know what you are missing because of existence of NHS and other socialist institutions - and I am not only talking about existing treatments which may not be accessible to you but those that never came into being because of policies detrimental to progress and research.
miko
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In fact, when I lived in Soviet Union, I was extremely ignorant of many things I was missing too.
Because you do not know what you are missing because of existence of NHS and other socialist institutions...
Try making allusions to a Soviet British State all you like Miko2d. If that's the best argument you can put forward...
You say you have both private insurance and national insurance. Who pays for the private? You or your employer or a combination? Which insurance pays first and how much? Does the other one pick of any unpaid balance, i.e. supplemental insurance? Are you required to use state medical first and then go to private, or vice versa? Finally, what happens if you don't like what that government docs are doing? Can you go to a different doctor?
I pay for the private, through my employer and wages - of course it is subsidised by my employer. Basically, it's up to me whether I use the private cover or go with the NHS. If I want quicker treatment, I can go private. There are no rules as to which I use, but since I get the cover I as part of my job (I'm not sure I could refuse it, and after looking at a tax statement the other day I'm sure it said it was worth only £122 - about $300 a year) I would use it. You can of course ask for a second opinion in a hospital - you could refuse treatment, you can do whatever you like. It's not a police state. ;)
Personally, I think the NHS is a great institution. Not without shortfalls and problems, of course.
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Dowding: Try making allusions to a Soviet British State all you like Miko2d. If that's the best argument you can put forward...
You are a liar.
You pull a sentence from my conversation with one person about one thing, put it next to a sentence fron a conversation with another person, imply that they are related and make strawman rebuttal, how original.
I was talking to Syzygyone about how people without acces to information may not be aware of the opportunities denied to them - and sited my personal experience as an example. Anyone is certainly free to join the conversation but misquoting parts of it out of context is a low and deceitfull act.
Sure, if you do not have mental capacity to argue about what was really said, you can always string unrelated words together, attribute nonexisting point to an opponent and them proclaim "If that's the best argument you can put forward..."
Is misquoting and attributing nonsense the best argument you can put together, Dowding?
As for British socialism, I was not referring to propaganda or to any brits being unaware of something but to the fact that socialist policies of redistribution and regulation deter economic growth and technological progress.
After WWI and WWII britain was experiencing abysmal growth while other countries with less socialist policies went ahead by leaps and bounds. How much that non-produced wealth would have contributed to wellbeing of people and research into the new technologies?
Of course brits produced a lot of unneded coal in their state-woned union-run coal mines instead. Why have modern economy if people've never been dissappounted by the coal, right?
miko
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Well to bring us all back on topic....I paid the $822 today...I couldn't see paying $402 for one month, when there's a chance of a 2nd follow up surgery a few weeks later after the first (July 25 now).
Then, effective Sept 30, I go back to my day job insurance plan @ $110 a month
*sigh*