Guest guest Posted May 6, 2008 Report Share Posted May 6, 2008 Hello Lottie, It is so good to hear your husband is recovering well. As a Surgical Intensive Care Nurse, I cared for many post bypass surgery patients, and the irritability goes with the recovery process. The lack of control is very hard on anyone, but especially on men. They just want OUT of the hospital setting and to be somewhere else. Some news from Ed and I: if you recall, Ed was diagnosed with CML in January of this year, in Mexico, and with no health insurance. After a three month search, and a desire not to take part in the social services system, I recalled being told that the Chamber of Commerce has a health insurance program which does not exclude patients with pre-existing illnesses. We decided to put it to the test. This is what was required in order to get health insurance: 1. Join the Chamber of Commerce (595.00) 2. Own a business wherein you have 2 or more employees (I am a real estate agent, and I hired Ed to be my Office Manager) 3. Provide proof of ownership of the business: a. Business license b. Hours and wages for Ed 4. Check for first month's health insurance (400.00) We did all of the above but were turned down for health insurance. I called the Chamber and told them it was false advertising and that I had previous experience with another company in which I was an employee where 2 people had breast cancer and 2 others had uncontrolled hypertension and all were insured (this was true and I named the company involved: they soon knew I had been experience with that system and thus knew how the insurance process worked with the Chamber). I asked them when their policy had changed regarding pre-existing conditions. The Chamber contact said she would connect me to another insurance person who would fight for Ed and his right to have health insurance. The following day, a true dynamo of a woman, Jan Meier by name, called and made an appointment to meet with Ed and me. She was there within 24 hours, and she said the insurance was " doable " . Jan re-submitted the material to the same HMO. A few days later, Jan called to say it was " not going to fly " through the insurance company " unless you have a corporation or an LLC " . I told Jan we would have an LLC by the end of the week. An LLC requires you to have at least two members on the board. Ed and I formed an LLC (you need the help of an accountant to do this). The accountant wrote up the paperwork and filed the LLC name with the IRS (150.00). We then took the paperwork to the Secretary of State and asked for expedited paperwork (200.00) in order to get the information to the insurance company within the 15 day limit before close of enrollment. The remainder of the paperwork was sent to the state capitol to be processed and obtain the Articles of Incorporation (125.00). Step number three was to get a checking account in the name of the LLC which establishes the credibility of the LLC. We just received the official papers from the IRS and seal showing we have an LLC tax ID .number as well. Today, we will set up the account and we must put approximately 300.00 into the LLC checking account. All of this must be available in case a question pops up pertaining to our status as a business. This was all completed within 10 days of the deadline: we submitted all of this to Jan at the Chamber of Commerce. Jan forwarded all of it to the insurance company on Wednesday of last week. Yesterday morning, we received a call from Jan: ED HAS BEEN ACCEPTED and now has health insurance. Is it worth the struggle? Is it worth the money outlay? Well, $10,000.00 has been spent on hospital and lab services since diagnosis, our medical expenses in Mexico reached approximately 3,500.00, and we have not even heard from the doctor's office regarding their charges. To us, it is a " no-brainer " !! I am writing this to show anyone who is interested how we got Ed's health insurance. I do not promise you it will work for everyone, but I will tell you that your diligence in contacting your local Chamber of Commerce may generate some unexpected help in this area. It costs nothing to try it, and if you have no health insurance at all, as we faced, it is worth all the effort. We are SOOOO happy!! Our insurance rate will be higher than average, but we will spend that much and more without the insurance. Also, our insurance has NO LIMIT on the amount which can be spent on health care for an individual patient. Please do not think I take credit for this: I was guided by God every step of the way, and without His nudges to remind me of previous health insurance issues, I would never have had a single idea on how to progress. Ed and I were on our knees praying this one through the system. Coon BS, ABR, ePro, CCSS Discount Realty Inc. Office: 702-434-9170 Cell: 702-493-2271 e-mail: sandiecoon@... Website: www.sandiecoon.com ---- Lottie Duthu <lotajam@...> wrote: > Hi All, > We thought Jimmy would be coming home tomorrow, but they have postponed it again. He was in an irritable mood with the hospital today, but I have heard that is not unusual after heart surgery. Although they removed 2 tubes yesterday, he still has them in his neck and stomach, which should be removed tomorrow, or so he thinks and I know he is tired of lying on his back and would like to get out of bed. They also changed his pain meds, so he is not as nauseated. > > Will stay in touch, and a warm thanks for the cards that are finding their way to our mailbox. > Blessings, > Lottie > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted May 7, 2008 Report Share Posted May 7, 2008 Lottie Great that Jimmy is irritable - means he is on the way home soon. As you know I have just come home from my own hospital stay of 6 days and that was enough - so I can sympathise with Jimmy. Hope you are getting enough shut eye yourself and keeping well Best wishes to you both, Sue Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 3, 2011 Report Share Posted March 3, 2011 Tee Hee Lottie, the dr. called us a year after our son was born and said, the baby IS one yr. old now, do you think you could pay the bill?We had blue cross, but I think they only covered part of it, and it is the other part the dr. wanted! On Thu, Mar 3, 2011 at 5:23 PM, Lottie Duthu <lotajam@...> wrote: > > > Dear Bobby, > I would say that the best is yet to come. LOL I mean they will be seeing a > lot more of you in the future, you will be around a long time. I think we > have overstayed our welcome sometimes. So what if we had to pay those bills > today? I remember it cost $75 to deliver my first baby and the hospital was > $2 a day, but I had to bring my own diapers and baby clothes. I paid the > doctor $2 a month until my bill was paid. We didn't have health insurance, > so I wonder how much it would cost if there were no health insurance? > Carpe Diem, > Lottie > > Quote Link to comment Share on other sites More sharing options...
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