Guest guest Posted February 10, 2008 Report Share Posted February 10, 2008 it is really sad, this is america the country we were born in!!!and this how we the people get treated!!!!really makes you wonder, but we arent gonna win this one,butchholland2002 wrote: What's sad is that we even have to have these conservations.The American people foot the bill for trillion's of dollars to be blown for just about everything under the sun and most of it not even in this country. If they would just take a month's vacation a year from war we could solve most of AMERICAS health care needs. I don't mind helping others but what about us--what about me.."My new slogan"What would happen if everyone just qit paying taxes till we got a bit for ourselves.Damn I miss the 60s...LOL>> I agree, but that was my alternative at the time. That was 2000. This treatment was paid for through medicare. I've heard of other people, however, who had to go this route to get medical treatment and it is pretty awful in the richest country in the world.> > Sharon in NW Washington> All I have seen teaches me to trust in the Creator for all that I have not seen. Ralph Waldo Emerson> Re: Re: Deciding to treat> > > I have heard of think kind of thing happening,, and its a total disgrace that in America today, that anyone should have to divorce in order to qualify for help!> Looking for last minute shopping deals? Find them fast with Yahoo! Search. Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 10, 2008 Report Share Posted February 10, 2008 when I lost my job the second time from the same company, cobra was sooo expensive that who could afford that? AND they want full payment for the entire time you plan to be on it? For me it was something like 1800 per month for myself and my husband,, there was no way I could pay that upfront for the 18 months I qualified for,, no way... Lynne Dunham wrote: When I lost my job with insurance Cobra was 1200.00 for me, not something that was an option. I did check into insurance for myself right away thinking Cobra was the way to go till the other kicked in. The cost was out of my limits. When I first heard the price reality that I was paying 600.00 a month and my company chipped in the rest, so the price was normal. I wouldn’t be surprised if this is because I had Hep C which raised the companies insurance premiums. Insurance companies are big business, so I don’t buy this crap from politicians who voted at some point to place these rules where they are today. How many times have we heard of some family who child has cancer and lose their jobs because the people they worked for just couldn’t keep them on with the way the premiums were shooting up. From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of DorothySent: Sunday, February 10, 2008 7:49 AMTo: Hepatitis_C_Central Subject: RE: Re: Deciding to treat The federal HIPAA (Health Insurance Portability & Accountability Act) regulations cover you if you have continuity of coverage. That’s why if you lose a job, it’s important to pick up the COBRA coverage till you get another job and are covered there. If you have continued coverage, no insurance company can refuse to treat you for a pre-existing condition – this applies to group plans and it applies to every state. So if you lose a job and pick up COBRA and then get another job and sign up for their group plan, you would be covered immediately with no pre-existing condition wait. If you didn’t have insurance at the time of enrollment, they can impose the waiting periods. Most companies will pay your premium for the month if you quit at the beginning of the month so if you plan to quit a job, do it after the first of the month – chances are, you’ll at least get that month’s insurance before you would have to begin paying yourself the following month. And when you are notified of your COBRA election rights, you have 60 days to decide whether to take it – and then, you have another 45 days to pay so you have some breathing room if you’re not sure what to do. You can always elect the coverage and then just not pay if you decide you don’t need it or can’t afford it. Just elect it at the latest date to stretch your time. This all also assumes that you worked for an employer with 20 or more employees and that you were covered by insurance there. Of course, the key is that you can afford to pay the premiums for the time you are between jobs. From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of Jackie onSent: Saturday, February 09, 2008 11:53 PMTo: Hepatitis_C_Central Subject: RE: Re: Deciding to treat that is horrible,, while Im NOT for government insurance by any means, this is awful, to not treat a pre existing for 5 years,, thats obscene,, Heck, I'd move to another state for treatment if I needed it and couldnt get treatment covered,, what would happen if you had cancer and it came back prior to 5 years?? would you have to wait to start chemo or any other treatment for the relapse of cancer ?? thats obscene.. Lynne Dunham <lynnefamilyszabo> wrote: It depends on what state you live in. Here is VA they passed a law that only Blue Cross can treat any pre-existing conditions. It would cost me about 1300.00 a month with no guarantee it wouldn’t go up. I tried for temporary insurance and in VA it is 5 years wait on pre-existing conditions. It just stinks that each state has their own way on controlling people from getting health insurance. Luckily I have one more year to go, so you all keep your fingers crossed that I don’t get sick for anything between now and then. Lynne From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of butchholland2002Sent: Saturday, February 09, 2008 11:08 PMTo: Hepatitis_C_Central Subject: Re: Deciding to treat I hope this is not too unethical for here but if it helps someone get heath insurance I'm ok with it.IF company insurance works like it did when I was lucky enough to still work there is a pre-existing clause.If you have not been treated for a specific illness in the last 12 months you are exept from it and qualify.If you can get the disability insurance with it you would then be fully covered to start treetment without worry so going back to work would be a plus. I have only caught bits and pieces of you all's story's and do have brain fog so please take this with a grain of salt. Just hate to see someone foot the whole bill for treetment and insurance company's are not angles eather. If this was not right of me to say here please tell me and I will not mention it again.Just can't help trying to help. It's a gift and a curse at times. Thanks and best of luck Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 10, 2008 Report Share Posted February 10, 2008 Lynne,, I will say it again,, that is obscene,, you should get the meds if you need them from the drug companies,, thats just awful,, I'd move if it were me,,, Lynne Dunham wrote: ly I don’t have a choice here. I am to young and not handicapped enough to get medical assistance. From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of Jackie onSent: Saturday, February 09, 2008 11:53 PMTo: Hepatitis_C_Central Subject: RE: Re: Deciding to treat that is horrible,, while Im NOT for government insurance by any means, this is awful, to not treat a pre existing for 5 years,, thats obscene,, Heck, I'd move to another state for treatment if I needed it and couldnt get treatment covered,, what would happen if you had cancer and it came back prior to 5 years?? would you have to wait to start chemo or any other treatment for the relapse of cancer ?? thats obscene.. Lynne Dunham <lynnefamilyszabo> wrote: It depends on what state you live in. Here is VA they passed a law that only Blue Cross can treat any pre-existing conditions. It would cost me about 1300.00 a month with no guarantee it wouldn’t go up. I tried for temporary insurance and in VA it is 5 years wait on pre-existing conditions. It just stinks that each state has their own way on controlling people from getting health insurance. Luckily I have one more year to go, so you all keep your fingers crossed that I don’t get sick for anything between now and then. Lynne From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of butchholland2002Sent: Saturday, February 09, 2008 11:08 PMTo: Hepatitis_C_Central Subject: Re: Deciding to treat I hope this is not too unethical for here but if it helps someone get heath insurance I'm ok with it.IF company insurance works like it did when I was lucky enough to still work there is a pre-existing clause.If you have not been treated for a specific illness in the last 12 months you are exept from it and qualify.If you can get the disability insurance with it you would then be fully covered to start treetment without worry so going back to work would be a plus. I have only caught bits and pieces of you all's story's and do have brain fog so please take this with a grain of salt. Just hate to see someone foot the whole bill for treetment and insurance company's are not angles eather. If this was not right of me to say here please tell me and I will not mention it again.Just can't help trying to help. It's a gift and a curse at times. Thanks and best of luck> Thanks for all your replies in my "not treating" thread. > I am seriously considering treatment now, after reading everything. > I guess I need to get a liver doctor first hey? lol I only have a GP,> and I rarely see her. > Once when I saw her for my liver function tests, she rang up and asked> me to come in ASAP. So I went in there and she told me my LFT's had> been elevated twice in a row, and I would have to get tested for Hep> c. LOL> I told her that I already have hep c and that is why we did the liver> function test. So as you can see, she did not remember me, as I rarely> went to the doctors.> So anyway, where to start. I guess I am wondering what are the most> serious side effects, and does everyone get really sick on treatment?> Do side effects go, once treatment stops, what the chance of remission> is and anything else I need to know. > I am also in University, but I study from home, as I want to be here> for my son before and after school. So I study online, which makes it> easier. Can I continue to study?> I have heard a lot of horror stories about this treatment. Do the real> serious side effects happen to everyone? > Should I definitely treat? > I'm already scared lol> > God Bless> Sam > > > > > > > ---------------------------------> Looking for last minute shopping deals? Find them fast with Yahoo! Search.> Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 10, 2008 Report Share Posted February 10, 2008 awww lynne, we'd never kick you off this list,, not for anything honey! You are important here,, I highly doubt that you will relapse after 5 years,, you and I are in the same time frame,, we have very little chance of relapse,,, as long as we dont trigger it again with alcohol etc,, Lynne Dunham wrote: I am single. So I have no one to divorce. J If the hep C comes back and I do check twice a year for it, there is a place in MD that will treat for a $10.00 visit. But not for anything else. Luckily have a doctor that doesn’t charge me for visits and keeps me healthy. After treatments well actually during treatment I made my mind up that I would start up my own business that I always dreamed of doing, am proud to say I did do just that and I am growing. I can make my own hours basically, so am careful to not overdue it. The option of going on Medicare doesn’t exist, and frankly I don’t want to go that route at all, I like and want to work. It is important to me. Moving to another state would impossible to have to start over again. ly I couldn’t do it alone not with what my state of health is in. I do need surgery for a torn shoulder, so I am afraid to mention any aches and pains for it would be written down. It keeps me in limbo, but I love my job plus it is my dream. Yes it does get very depressing at times, but I try to never think of it and keep going. Something like the treatments I had to do them so I did. No and ifs or buts. When I found out about the Hep C, I started treatment within a 2 months. ly it scared the hell out of me, and with all the reading I did and the no cure, wanted to keep it at bay or kick the dragon in the butt. So it will be next January that I can say I have been clear for 5 years. If it comes back soon, I will be so posting you will be kicking me off this list so quick. You are my lifeline. Lynne From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of Jackie onSent: Sunday, February 10, 2008 2:59 AMTo: Hepatitis_C_Central Subject: Re: Re: Deciding to treat I have heard of think kind of thing happening,, and its a total disgrace that in America today, that anyone should have to divorce in order to qualify for help! SHARON CROSBY <csharonxoxomsn> wrote: It's not the preferred way to go , but I got divorced so that I could be poor and get treatment from the drug company. THere's always that option. We remarried after treatment. Sharon in NW WashingtonAll I have seen teaches me to trust in the Creator for all that I have not seen. Ralph Waldo Emerson RE: Re: Deciding to treat that is horrible,, while Im NOT for government insurance by any means, this is awful, to not treat a pre existing for 5 years,, thats obscene,, Heck, I'd move to another state for treatment if I needed it and couldnt get treatment covered,, what would happen if you had cancer and it came back prior to 5 years?? would you have to wait to start chemo or any other treatment for the relapse of cancer ?? thats obscene.. Lynne Dunham <lynnefamilyszabo> wrote: It depends on what state you live in. Here is VA they passed a law that only Blue Cross can treat any pre-existing conditions. It would cost me about 1300.00 a month with no guarantee it wouldn't go up. I tried for temporary insurance and in VA it is 5 years wait on pre-existing conditions. It just stinks that each state has their own way on controlling people from getting health insurance. Luckily I have one more year to go, so you all keep your fingers crossed that I don't get sick for anything between now and then. Lynne From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of butchholland2002Sent: Saturday, February 09, 2008 11:08 PMTo: Hepatitis_C_Central Subject: Re: Deciding to treat I hope this is not too unethical for here but if it helps someone get heath insurance I'm ok with it.IF company insurance works like it did when I was lucky enough to still work there is a pre-existing clause.If you have not been treated for a specific illness in the last 12 months you are exept from it and qualify.If you can get the disability insurance with it you would then be fully covered to start treetment without worry so going back to work would be a plus. I have only caught bits and pieces of you all's story's and do have brain fog so please take this with a grain of salt. Just hate to see someone foot the whole bill for treetment and insurance company's are not angles eather. If this was not right of me to say here please tell me and I will not mention it again.Just can't help trying to help. It's a gift and a curse at times. Thanks and best of luck> Thanks for all your replies in my "not treating" thread. > I am seriously considering treatment now, after reading everything. > I guess I need to get a liver doctor first hey? lol I only have a GP,> and I rarely see her. > Once when I saw her for my liver function tests, she rang up and asked> me to come in ASAP. So I went in there and she told me my LFT's had> been elevated twice in a row, and I would have to get tested for Hep> c. LOL> I told her that I already have hep c and that is why we did the liver> function test. So as you can see, she did not remember me, as I rarely> went to the doctors.> So anyway, where to start. I guess I am wondering what are the most> serious side effects, and does everyone get really sick on treatment?> Do side effects go, once treatment stops, what the chance of remission> is and anything else I need to know. > I am also in University, but I study from home, as I want to be here> for my son before and after school. So I study online, which makes it> easier. Can I continue to study?> I have heard a lot of horror stories about this treatment. Do the real> serious side effects happen to everyone? > Should I definitely treat? > I'm already scared lol> > God Bless> Sam > > > > > > > ---------------------------------> Looking for last minute shopping deals? Find them fast with Yahoo! Search.> Jackie Jackie Jackie Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 10, 2008 Report Share Posted February 10, 2008 If they asked you for 18 months worth of COBRA payments, they were breaking the law. Payments are due each month and you get a 30 day grace period. I think I mentioned earlier that you get 60 days to even decide if you want to take the coverage and then another 45 days after that to make your first payment (retro to the start date) and then you pay each month. I am currently paying COBRA dental coverage & send them my $43 each 1st of the month. I plan to cancel in another month as soon as I exhaust the yearly $1,000 benefit. Dorothy From: Hepatitis_C_Central [mailto:Hepatitis_C_Central ] On Behalf Of Jackie on Sent: Sunday, February 10, 2008 6:50 PM To: Hepatitis_C_Central Subject: RE: Re: Deciding to treat when I lost my job the second time from the same company, cobra was sooo expensive that who could afford that? AND they want full payment for the entire time you plan to be on it? For me it was something like 1800 per month for myself and my husband,, there was no way I could pay that upfront for the 18 months I qualified for,, no way... Quote Link to comment Share on other sites More sharing options...
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