Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi , In NY State they have passed a bill that does not allow insurance companies to refuse to accept someone for a pre-existing condition and they can not refuse to treat that condition...but they can have a clause that it not be treated for 12 months...after that, they must cover it as they cover anything else. I guess it is a start. Jody _________________________________________________________________ Send and receive Hotmail on your mobile device: http://mobile.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi , In NY State they have passed a bill that does not allow insurance companies to refuse to accept someone for a pre-existing condition and they can not refuse to treat that condition...but they can have a clause that it not be treated for 12 months...after that, they must cover it as they cover anything else. I guess it is a start. Jody _________________________________________________________________ Send and receive Hotmail on your mobile device: http://mobile.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi , In NY State they have passed a bill that does not allow insurance companies to refuse to accept someone for a pre-existing condition and they can not refuse to treat that condition...but they can have a clause that it not be treated for 12 months...after that, they must cover it as they cover anything else. I guess it is a start. Jody _________________________________________________________________ Send and receive Hotmail on your mobile device: http://mobile.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi and Terry, >>>To go back to the olden days where there was fee for service medical >>>care. You are so right. Medical care was so much cheaper back then.<<<< And the quality of care was much better in my opinion...no insurance companies to get on the doctors and hospitals to boot out of hospital early, to refuse tests or scripts etc. etc. etc. Now, how to get to that point today? Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi and Terry, >>>To go back to the olden days where there was fee for service medical >>>care. You are so right. Medical care was so much cheaper back then.<<<< And the quality of care was much better in my opinion...no insurance companies to get on the doctors and hospitals to boot out of hospital early, to refuse tests or scripts etc. etc. etc. Now, how to get to that point today? Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi and Terry, >>>To go back to the olden days where there was fee for service medical >>>care. You are so right. Medical care was so much cheaper back then.<<<< And the quality of care was much better in my opinion...no insurance companies to get on the doctors and hospitals to boot out of hospital early, to refuse tests or scripts etc. etc. etc. Now, how to get to that point today? Jody _________________________________________________________________ Chat with friends online, try MSN Messenger: http://messenger.msn.com Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 - I can really relate to your joys of having to pay for your own insurance. My husband wanted to start his own business and did. It was great when I was working, too, because I carried insurance through my employer. When I quit after our first was born, we had to start paying for our own insurance - what an eye opener and checkbook emptier that was! For the past several years, I would piss and moan every time the insurance premium came due. Aside from having 2 babies, we only used it for the occasional doctor's visit. Boy, did my attitude change this year, though. My husband was diagnosed with diabetes in Jan. In May, my 4 year old daughter broke her arm, and let me tell you, after all those bills and seeing how much the insurance paid, I was _grateful_ to pay my premium this year! Plus all my GD diagnosis and lab stuff...it's outrageous. My daughter's ER bill alone was $3400, plus the orthopedic doctor was another $1300, and all the misc.. stuff came out to be about $5000. Her total for the year (I was just doing the figures for taxes) was $6322 of which we paid $950. Our insurance for this year was $470/month and I just got the rate increase so it's now going to be $503/month. I actually thought it would increase more than that. Our total medical bills so far (not including our 2 sons) was $11250 of which we paid $2200. So for once, I will happily write the check to the insurance company! So, yep, I hate paying it, but am I glad we have it! It's nice to have someone else to commiserate with, though. We're the only ones we know who have to pay our own insurance. We (or, our company, anyway) also has to pay for our employees' insurance - don't even get me started on that! Insurance >Hi All- > >Oh Man!!!! I gotta complain about this. Our insurance just shot up to $670/mo (it was $550) and at the same time our copay went up too. We pay it all. It's just an HMO too. Sheesh! That's more than my dad's house payment. > >Take care, > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 - I can really relate to your joys of having to pay for your own insurance. My husband wanted to start his own business and did. It was great when I was working, too, because I carried insurance through my employer. When I quit after our first was born, we had to start paying for our own insurance - what an eye opener and checkbook emptier that was! For the past several years, I would piss and moan every time the insurance premium came due. Aside from having 2 babies, we only used it for the occasional doctor's visit. Boy, did my attitude change this year, though. My husband was diagnosed with diabetes in Jan. In May, my 4 year old daughter broke her arm, and let me tell you, after all those bills and seeing how much the insurance paid, I was _grateful_ to pay my premium this year! Plus all my GD diagnosis and lab stuff...it's outrageous. My daughter's ER bill alone was $3400, plus the orthopedic doctor was another $1300, and all the misc.. stuff came out to be about $5000. Her total for the year (I was just doing the figures for taxes) was $6322 of which we paid $950. Our insurance for this year was $470/month and I just got the rate increase so it's now going to be $503/month. I actually thought it would increase more than that. Our total medical bills so far (not including our 2 sons) was $11250 of which we paid $2200. So for once, I will happily write the check to the insurance company! So, yep, I hate paying it, but am I glad we have it! It's nice to have someone else to commiserate with, though. We're the only ones we know who have to pay our own insurance. We (or, our company, anyway) also has to pay for our employees' insurance - don't even get me started on that! Insurance >Hi All- > >Oh Man!!!! I gotta complain about this. Our insurance just shot up to $670/mo (it was $550) and at the same time our copay went up too. We pay it all. It's just an HMO too. Sheesh! That's more than my dad's house payment. > >Take care, > > > > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi - Whew! Don't I know it. It adds insult to injury to get the same runaround that everyone else does and then have to pay the monthly premium to boot. We've never gone to the doctor (or taken antibiotics) for seasonal illnesses which is what causes part of the problem. I can't tell you how many times my husband cares for people that go to emergency because they have the flu. Some of them might need to because of secondary bacterial infections but so many of them take up the time of the staff with minor complaints and cost their insurance companies a lot of unnecessary dollars. We've been paying for our own insurance for 10 years and this will be the year that we really use it. I had laparoscopic surgery, a D & C, superovulation and 2 IUIs and will probably have invitro. Those bills are huge and I'm thankful that we don't have to worry about the whole thing. Some might think I shouldn't go to these lengths to have a baby but both my husband and I think the infertility was medically induced because of mismanagement after RAI or possibly even because of RAI. I'll try not to get you started on employee insurance although I can't resist a little comment. It seems arbitrary that employers are required to provide insurance. So that's not the answer. It seems that government controlled medical benefits aren't good either because there's so much bureaucracy. It's very difficult to see specialists under these systems and there's so much waiting involved. Under the proposed system, we'd have had to pay as much or more/month as we do now but we wouldn't have had as many benefits. Individuals actually paying for each individual bill (barring catastrophy) used to work pretty well. But I don't see how that can happen again since everything's so inflated now. One way this happens is that emergency rooms are required by law to care for everybody that walks in whether or not they have insurance. Or whether or not they're very ill. Emergency care is expensive by nature and treating people that don't pay has to be passed along. It is passed along to paying patients. Despite this passing along of costs, emergency rooms are closing throughout the nation because they can no longer afford to keep their doors open. It'd be much more cost-effective if these non-paying patients (the ones that don't need emergency care) went to clinics. Some do but why do that if you can go to any hospital you want to? What to do? The problem is so circular. Insurance companies abuse doctors and patients. Some doctors abuse insurance companies. And some patients abuse the system. I don't see how it can change at this rate. My goodness! What a litany. Sorry about that. Take care, > - I can really relate to your joys of having to pay for your own > insurance. My husband wanted to start his own business and did. It was great > when I was working, too, because I carried insurance through my employer. > When I quit after our first was born, we had to start paying for our own > insurance - what an eye opener and checkbook emptier that was! For the past > several years, I would piss and moan every time the insurance premium came > due. Aside from having 2 babies, we only used it for the occasional doctor's > visit. > > Boy, did my attitude change this year, though. My husband was diagnosed with > diabetes in Jan. In May, my 4 year old daughter broke her arm, and let me > tell you, after all those bills and seeing how much the insurance paid, I > was _grateful_ to pay my premium this year! Plus all my GD diagnosis and lab > stuff...it's outrageous. My daughter's ER bill alone was $3400, plus the > orthopedic doctor was another $1300, and all the misc.. stuff came out to be > about $5000. Her total for the year (I was just doing the figures for taxes) > was $6322 of which we paid $950. Our insurance for this year was $470/month > and I just got the rate increase so it's now going to be $503/month. I > actually thought it would increase more than that. Our total medical bills > so far (not including our 2 sons) was $11250 of which we paid $2200. So for > once, I will happily write the check to the insurance company! > > So, yep, I hate paying it, but am I glad we have it! It's nice to have > someone else to commiserate with, though. We're the only ones we know who > have to pay our own insurance. We (or, our company, anyway) also has to pay > for our employees' insurance - don't even get me started on that! > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi - Whew! Don't I know it. It adds insult to injury to get the same runaround that everyone else does and then have to pay the monthly premium to boot. We've never gone to the doctor (or taken antibiotics) for seasonal illnesses which is what causes part of the problem. I can't tell you how many times my husband cares for people that go to emergency because they have the flu. Some of them might need to because of secondary bacterial infections but so many of them take up the time of the staff with minor complaints and cost their insurance companies a lot of unnecessary dollars. We've been paying for our own insurance for 10 years and this will be the year that we really use it. I had laparoscopic surgery, a D & C, superovulation and 2 IUIs and will probably have invitro. Those bills are huge and I'm thankful that we don't have to worry about the whole thing. Some might think I shouldn't go to these lengths to have a baby but both my husband and I think the infertility was medically induced because of mismanagement after RAI or possibly even because of RAI. I'll try not to get you started on employee insurance although I can't resist a little comment. It seems arbitrary that employers are required to provide insurance. So that's not the answer. It seems that government controlled medical benefits aren't good either because there's so much bureaucracy. It's very difficult to see specialists under these systems and there's so much waiting involved. Under the proposed system, we'd have had to pay as much or more/month as we do now but we wouldn't have had as many benefits. Individuals actually paying for each individual bill (barring catastrophy) used to work pretty well. But I don't see how that can happen again since everything's so inflated now. One way this happens is that emergency rooms are required by law to care for everybody that walks in whether or not they have insurance. Or whether or not they're very ill. Emergency care is expensive by nature and treating people that don't pay has to be passed along. It is passed along to paying patients. Despite this passing along of costs, emergency rooms are closing throughout the nation because they can no longer afford to keep their doors open. It'd be much more cost-effective if these non-paying patients (the ones that don't need emergency care) went to clinics. Some do but why do that if you can go to any hospital you want to? What to do? The problem is so circular. Insurance companies abuse doctors and patients. Some doctors abuse insurance companies. And some patients abuse the system. I don't see how it can change at this rate. My goodness! What a litany. Sorry about that. Take care, > - I can really relate to your joys of having to pay for your own > insurance. My husband wanted to start his own business and did. It was great > when I was working, too, because I carried insurance through my employer. > When I quit after our first was born, we had to start paying for our own > insurance - what an eye opener and checkbook emptier that was! For the past > several years, I would piss and moan every time the insurance premium came > due. Aside from having 2 babies, we only used it for the occasional doctor's > visit. > > Boy, did my attitude change this year, though. My husband was diagnosed with > diabetes in Jan. In May, my 4 year old daughter broke her arm, and let me > tell you, after all those bills and seeing how much the insurance paid, I > was _grateful_ to pay my premium this year! Plus all my GD diagnosis and lab > stuff...it's outrageous. My daughter's ER bill alone was $3400, plus the > orthopedic doctor was another $1300, and all the misc.. stuff came out to be > about $5000. Her total for the year (I was just doing the figures for taxes) > was $6322 of which we paid $950. Our insurance for this year was $470/month > and I just got the rate increase so it's now going to be $503/month. I > actually thought it would increase more than that. Our total medical bills > so far (not including our 2 sons) was $11250 of which we paid $2200. So for > once, I will happily write the check to the insurance company! > > So, yep, I hate paying it, but am I glad we have it! It's nice to have > someone else to commiserate with, though. We're the only ones we know who > have to pay our own insurance. We (or, our company, anyway) also has to pay > for our employees' insurance - don't even get me started on that! > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 12, 2001 Report Share Posted December 12, 2001 Hi - Whew! Don't I know it. It adds insult to injury to get the same runaround that everyone else does and then have to pay the monthly premium to boot. We've never gone to the doctor (or taken antibiotics) for seasonal illnesses which is what causes part of the problem. I can't tell you how many times my husband cares for people that go to emergency because they have the flu. Some of them might need to because of secondary bacterial infections but so many of them take up the time of the staff with minor complaints and cost their insurance companies a lot of unnecessary dollars. We've been paying for our own insurance for 10 years and this will be the year that we really use it. I had laparoscopic surgery, a D & C, superovulation and 2 IUIs and will probably have invitro. Those bills are huge and I'm thankful that we don't have to worry about the whole thing. Some might think I shouldn't go to these lengths to have a baby but both my husband and I think the infertility was medically induced because of mismanagement after RAI or possibly even because of RAI. I'll try not to get you started on employee insurance although I can't resist a little comment. It seems arbitrary that employers are required to provide insurance. So that's not the answer. It seems that government controlled medical benefits aren't good either because there's so much bureaucracy. It's very difficult to see specialists under these systems and there's so much waiting involved. Under the proposed system, we'd have had to pay as much or more/month as we do now but we wouldn't have had as many benefits. Individuals actually paying for each individual bill (barring catastrophy) used to work pretty well. But I don't see how that can happen again since everything's so inflated now. One way this happens is that emergency rooms are required by law to care for everybody that walks in whether or not they have insurance. Or whether or not they're very ill. Emergency care is expensive by nature and treating people that don't pay has to be passed along. It is passed along to paying patients. Despite this passing along of costs, emergency rooms are closing throughout the nation because they can no longer afford to keep their doors open. It'd be much more cost-effective if these non-paying patients (the ones that don't need emergency care) went to clinics. Some do but why do that if you can go to any hospital you want to? What to do? The problem is so circular. Insurance companies abuse doctors and patients. Some doctors abuse insurance companies. And some patients abuse the system. I don't see how it can change at this rate. My goodness! What a litany. Sorry about that. Take care, > - I can really relate to your joys of having to pay for your own > insurance. My husband wanted to start his own business and did. It was great > when I was working, too, because I carried insurance through my employer. > When I quit after our first was born, we had to start paying for our own > insurance - what an eye opener and checkbook emptier that was! For the past > several years, I would piss and moan every time the insurance premium came > due. Aside from having 2 babies, we only used it for the occasional doctor's > visit. > > Boy, did my attitude change this year, though. My husband was diagnosed with > diabetes in Jan. In May, my 4 year old daughter broke her arm, and let me > tell you, after all those bills and seeing how much the insurance paid, I > was _grateful_ to pay my premium this year! Plus all my GD diagnosis and lab > stuff...it's outrageous. My daughter's ER bill alone was $3400, plus the > orthopedic doctor was another $1300, and all the misc.. stuff came out to be > about $5000. Her total for the year (I was just doing the figures for taxes) > was $6322 of which we paid $950. Our insurance for this year was $470/month > and I just got the rate increase so it's now going to be $503/month. I > actually thought it would increase more than that. Our total medical bills > so far (not including our 2 sons) was $11250 of which we paid $2200. So for > once, I will happily write the check to the insurance company! > > So, yep, I hate paying it, but am I glad we have it! It's nice to have > someone else to commiserate with, though. We're the only ones we know who > have to pay our own insurance. We (or, our company, anyway) also has to pay > for our employees' insurance - don't even get me started on that! > > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 13, 2001 Report Share Posted December 13, 2001 Hi Jeannette- That's encouraging. I would fall into that category. Although I checked with Blue Cross, it was almost 3 years ago when they rejected me. Hmmm. Since I had RAI almost 15 years ago, I should be an attractive candidate. It's good to know of this since my endo hates dealing with my HMO and I'm always afraid he'll get sick of them and not take them anymore. Take care, > Hi Gang...I had an insurance agent who checked 2 months ago for me on > Blue Cross...they take people who have had either surgery or RAI after > a GD diagnosis...but it has to be two years after. > > I would not be eligble to switch ins. ( I have Blue Expensive Shield) > because although I am in remission for over two years, and not on any > meds I didn;t get surgery or Rai..... > > But I bet many of you could be beyond the pre-exisiting condition > requirement. Fimally a big plus for your RAI troubles. > > Best to all, Jeannette Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 13, 2001 Report Share Posted December 13, 2001 Hi Jeannette- That's encouraging. I would fall into that category. Although I checked with Blue Cross, it was almost 3 years ago when they rejected me. Hmmm. Since I had RAI almost 15 years ago, I should be an attractive candidate. It's good to know of this since my endo hates dealing with my HMO and I'm always afraid he'll get sick of them and not take them anymore. Take care, > Hi Gang...I had an insurance agent who checked 2 months ago for me on > Blue Cross...they take people who have had either surgery or RAI after > a GD diagnosis...but it has to be two years after. > > I would not be eligble to switch ins. ( I have Blue Expensive Shield) > because although I am in remission for over two years, and not on any > meds I didn;t get surgery or Rai..... > > But I bet many of you could be beyond the pre-exisiting condition > requirement. Fimally a big plus for your RAI troubles. > > Best to all, Jeannette Quote Link to comment Share on other sites More sharing options...
Guest guest Posted December 13, 2001 Report Share Posted December 13, 2001 Hi Jeannette- That's encouraging. I would fall into that category. Although I checked with Blue Cross, it was almost 3 years ago when they rejected me. Hmmm. Since I had RAI almost 15 years ago, I should be an attractive candidate. It's good to know of this since my endo hates dealing with my HMO and I'm always afraid he'll get sick of them and not take them anymore. Take care, > Hi Gang...I had an insurance agent who checked 2 months ago for me on > Blue Cross...they take people who have had either surgery or RAI after > a GD diagnosis...but it has to be two years after. > > I would not be eligble to switch ins. ( I have Blue Expensive Shield) > because although I am in remission for over two years, and not on any > meds I didn;t get surgery or Rai..... > > But I bet many of you could be beyond the pre-exisiting condition > requirement. Fimally a big plus for your RAI troubles. > > Best to all, Jeannette Quote Link to comment Share on other sites More sharing options...
Guest guest Posted March 28, 2003 Report Share Posted March 28, 2003 Hi Just had my appeal refused by BC/BS California for resurf at JRI. They are now recommending an Independent Medical Review. Has anyone else done this and been successful? Any idea how long it takes? What information I should send them etc? Kay Quote Link to comment Share on other sites More sharing options...
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