A community of 30,000 US Transcriptionist serving Medical Transcription Industry

requesting conservative input

Posted: Jan 4, 2012

I have read conservatives are against Obama's health care law. I would like to know who should pay for people who refuse to buy health insurance. For example, I hired a handyman out of the local paper. he told me about his appendicitis. He said he did not buy health care because he knew govt would take care of his bill if he could not. Why do you not wish for each individual to be responsible for their hospital bills? Not looking for argument, just would like to hear opinions.

;

Quite often now... - empirelady

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... people without insurance and/or access to meds are being allowed to just die. Statistics showed over 100,000 people in this country died year before last because they didn't have access to healthcare. My niece's friend who has lymphoma (21 yo, going to school on her own, no healthcare) had to have multiple surgeries to remove lymph nodes before any kind of chemo care was "okayed" by the state, docs just trying to keep up with the disease.

In MHO, that should be criminal.

If you become poor, Medicaid covers it all. People - are NOT being allowed to die!!! propaganda.nm

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nm

Harvard study good enough? - empirelady

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Study was done last year. And, of course I can't provide names (nor would I if I had some); studies tend to be anonymous; just numbers. I do know what my niece's friend has faced. I just hope it's not too late for her what with the long delay in proper treatment.

As to propaganda, geez. Insurance companies were called on the carpet for denying claims long enough for people to die (testimony on Cap Hill by whistle-blowers). Why is it such a far leap to think other "powers that be" wouldn't be the same, especially those powers in W.D.C. who are so out of touch (yes, both sides)?

Granted, what it often boils down to is the reluctance of many to seek proper care because of the fear of losing the roof over their heads. Many make "just" enough that they don't qualify for Medicaid, nor can they even afford the minimum monthly payments without foregoing something else, like food for their children. Others, like my niece's friend may just be out of luck when said Medicaid does get approved and finally roll around.

I don't know what the answers are. Actually, while I'm for a great deal of the healthcare reforms, I'm not really for the mandatory factor. That's a little Big Brotherish to me. Of course, that throws us back to the original question of, who pays?

A very thought-provoking question, to say the least. I'm interested in seeing some of the other solutions that can be entertained.

If names cannot be provided... - sm

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How do you expect anyone to believe it? If there is a death of a person then there is a name, a city, maybe not an obituary in every single case, but nobody can find just one or two obituaries out of over 100,000 people? AND if something like that happened it would make headlines BIG time.

I'm glad to see you are not for mandatory. I do think the questions of "who pays" is not a clear black and white question. There is no one perfect answer and each case should be dealt with on an individual basis. There just are no easily solutions. But just like Betty or Maria or Joe or Bob should not pay for my bills I should not pay for theirs.

Names - empirelady

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I'm sure whomever did the Harvard study could provide names, though probably wouldn't be any more ethical to do so than it would be for us to divulge patient names, etc. Again, I won't put my niece's friend's name on a public forum. You can believe me, or not, as far as what I have witnessed her going through. I know what has happened, and is happening with her, and it's a crying shame. She's not some young fly-by-night goof-off kid. She comes from an extremely broken home and has taken the initiative to put herself through school and taking the responsibility of becoming a contributing member of society. As for me, cases like these? Yeah, I'll chip into the kitty for them.

Are you an MT? Ever heard of HIPAA? NM - Oldtimer

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.

I don't think you understood what I meant - sm

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Yes, I'm an MT. Been one for 20 years. Of course I know HIPAA. That is not what I was asking or meant.

Have you ever heard of an obituary? It gives peoples names and what they died from. A link to an obituary would be fine as it is public knowledge. Never read an obituary though that stated the cause of death was lack of health insurance. However, since someone wrote that 100,000 people have died last year due to no health insurance I'm sure I must have missed one, so please anyone with a link to an obituary. Then of course there would be a regular news article. After all that would be a big story for any town. Your local person dying due to lack of health insurance...you bet that would be big headline news. So, please...a link to one of these stories that would have made the news...anyone, anyone. Just some proof of these accusations would be nice. After all if 100,000 people died because of this there would at least one one news story about it. So, no I was not asking for anyone to write in Mary Kay May of 15 Pittsburg Place in Kalamazoo KY or specifics like that (p.s., that is not a real person or a real address - just thought I better clarify that - one of those CMA moments).

So, anyone....still waiting.

So you think an obit is going to talk about insurance denials? - Really? Your wait is over

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on those articles. See Okee dokee post below.

I receive Social Security disability and - sm

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while waiting for two years for my hearing to come up, I had no health insurance of any kind, and since I was disabled, I needed medical care. Since I had no dependent children, they denied me Medicaid. (After I won my Social Security disability case, Medicaid offered me limited benefits retroactively to pay outstanding bills, and I was already receiving calls from bill collectors for a couple of years).

In my state, it depends on the number of dependent children you have if you have no income.

I was eligible for a program called "A&D" where I received $200.00 per month for my entire living expenses and food stamps. When I won my Social Security case, EVERY SINGLE PENNY of that was paid back to the state.

So Medicaid is NOT available to all poor people.

Who was allowed to die - how about some names - not just propaganda - sm

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Or better yet how a bout just one newspaper article that states a specific individual (a real human being with an actual name) died because they did not have access to healthcare. Having access to healthcare is much different than having insurance. I remember this conversation awhile back when someone was trying to pass the BS propaganda that hundreds of thousands of people die every year because they don't have health insurance, therefore the people who do have health insurance should pay more so that those who don't want to get it will be covered.

Sorry, I'm not buying the BS that people die because they don't have healthcare. People die for many reasons but not because they don't have insurance. Besides...hospitals and clinics all over the country offer discounted rates to people who don't have health insurance, free mammograms, doctors volunteering their time in clinics, etc.

So please do provide a link to an obituary that shows at least one person died because they didn't have health insurance.

3 posts calling dems - flossy

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propagandists and liars, but no answer to the original question. If you are against requiring people to be responsible for their health costs, who should pay their hospital bills? That includes all the moms who use the ER for every cough and cold as well as the dialysis and chemo patients. Does anyone have any ideas? There is always a solution to a dilemma.

Okee dokee. Always happy to provide indisputable hard core facts. - Here ya go....

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Ummm, let’s see here. If you Google “health care denial fatalities," you get more than 35 MILLION hits. I have cited 8 cases in the 5 articles below, but should you have a problem with the sources or somehow require more names or obituaries, then feel free to sift through all those other links.

http://www.msnbc.msn.com/id/22357873/ns/health-health_care/t/family-sues-insurer-who-denied-teen-transplant/
Nataline Sarkisyan, age 17, died Dec 11 2007 after CIGNA her liver transplant on the grounds alleging procedure is “experimental” (which it hasn’t been since the end of the 1970s) despite the fact that it has been standard clinical treatment in both adult and pediatric patients since the early 1980s, and recent advances in the development of live-donor liver allograft techniques. Her photo is displayed in the article.

http://crooksandliars.com/susie-madrak/norma-rae-dead-68-after-two-year-stru
Crystal Lee Sutton, the woman who inspired the movie “Norma Rae” died t age 68 after her insurance company delayed authorizing her chemotherapy drugs for 2 months. Her photo and an interview documenting her struggle with the company is included in the article.

http://abcnews.go.com/Health/News/arizona-transplant-deaths/story?id=12559369
Jan 6 2001. Two deaths “so far” after Arizona slashed state funding under their Medicaid program for 7 types of transplants. The hospital declined to give the names, citing patient confidentiality (sound familiar?) but the article did name Mark Price, 37yo who died after being denied a bone marrow transplant. An anonymous private donor offered to pay for it after reading about it, but it was too late.

http://www.youtube.com/watch?v=PwGLdYBm1bY
Clip of Linda Pino’s testimony before a Congressional hearing where she admits that she personally denied health care to one of their patients ultimately leading to his death. She also admits to many more people who should have been approved care but was denied. She was given a promotion because she saved the Insurance company MILLIONS of dollars. All agents were given bonuses for saving the company by denying care.

http://www.reuters.com/article/2009/09/02/idUS202570+02-Sep-2009+PRN20090902
Pacificare delayed authorization for bone cancer treatment for 17yo Nick Colombo. After protests and media glare, they reversed the decision, too little, too late. Nick died.

Kaiser Permanente, denied radiation and chemotherapy for 57-year-old Bob Scott of Sacramento after his diagnosis of a brain tumor in 2005. The reason cited was his age, says wife Cheryl Scott, RN. "He had been in perfect health all of his life. This was his first problem other than a sprained ankle. He died six months later."

There now, was that so hard - not just propaganda - sm

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I actually have never once heard of anyone dying because they didn't have health insurance. I've asked and asked until I'm blue in the face (as the saying goes) and nobody ever once ever ever ever provided links like you did. The topic came up before and nobody back then provided proof, just "oh a study was done".

So, I was wrong and I thank you for posting the proof.

My pleasure. - nm

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We ARE MTs afterall! - sm

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I suppose not all doctors mention this in their dictation, but I have typed many, many times, "patient quit taking pills because he says he can't afford them." "Patient cancelled appointment because of cost." Some of these patients have been sent on to the ER-- some are seen after a health crisis. How could an MT want "proof" of the situation?

...and these instances are all people who...sm - oldtimer

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did have insurance. Many others without insurance neglect their health because of inability to pay.

I don't have health insurance - Zville MT

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I pay all my medical bills myself - and I'm FAR from being rich. Hospitals and doctor's offices have been great about not only giving discounts for paying cash, but also have extremely generous programs to pay larger bills off a little bit at a time every month. Right now I have over $1000 in medical bills, but I'm paying them off $25 a month - I know this will take forever, but it beats the alternative. And moms that use the ER for every little sniffle should make some phone calls - my pediatrician only charges $30 for an office visit because I pay cash and she doesn't have to mess with waiting on the insurance company. My primary care does the same thing. All you have to do is ask.

I'm against the health care law not because I'm against everyone having insurance, but because I don't think the government has the authority (or shouldn't have the authority) to make anyone buy anything, regardless of what it is. Besides, there's no guarantee that just because you have insurance you'll get the treatment you need. My SIL has Medicaid due to disability and has been turned down for two surgeries that were deemed necessary by her neurosurgeon but not deemed necessary by Medicaid. We have to stop relying on the government to be the answers to all our problems and start looking out for ourselves.

continuing - flossy

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Thanks for your response. I agree we should all be responsible for our medical bills. Suppose you develop cancer or have a stroke. The situation develops where you are running up a bill that you can never possibly repay due to permanent disability. What to do then?

It seems to me that if you are against making people responsible for their health costs, you must accept that you will be paying for them through your taxes. How to solve this?

Response - and response to your post above - saying 3 posts - sm

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called dems liars and propagandists. I only read 2 posts (mine included) that said it's propaganda about the over 100,000 dying because they don't have health insurance - which is true. But I did not read any of these posts to say dems were liars and propagandists. Nowhere in previous posts when this was discussed or now can anyone provide any proof that certain individuals died because they didn't have health insurance. Nobody ever posted links to back up their statements (you know like the demands the liberals make on conservatives to prove what they say is true). It's a propaganda tool (and yes now I will say it) put out by democrat politicians to get the health care law passed. Fortunately it's not true. Unfortunately this un-truth continues to be spewed. But none of that matters now does it since its been passed.

As to your original question there is no real answer. Of course everyone should pay for their own health insurance. Other people that do not know me should not be responsible for paying my health care bills and I should not be responsible for paying theirs. Especially people who won't get health insurance. No where does it say in the constitution that every American is responsible for paying every other Americans' bills. So after health care what's next, rent/mortgage (hey, everyone has to have a place to live), electricity (everyone has to have that). Where does it stop? Many years ago I had an operation. I had some health insurance, but it did not cover it all. The hospital worked out a payment plan for me to repay and hospitals/clinics, etc do that all over the country. They offer free mammograms, free physicals, etc. I do not believe everyone should be forced to buy a product they do not wish to have/own. Many people don't drive therefore they do not have car insurance, but they do travel in vehicles. And if anyone thinks it is not the same thing they are wrong. It's the same exact thing. I myself have health insurance. It's the only responsible thing to do (in my opinion), but I also do not believe people should be forced to buy a product they don't want. No, it should not be the responsibility of everyone who does have insurance to carry the costs of those who don't want insurance. For those who don't want insurance but need medical care then those individual cases should be dealt with on a individual basis, not forced on everyone else in the country to pay for them.

Link to study - empirelady

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http://news.harvard.edu/gazette/story/2009/09/harvard-medical-study-links-lack-of-insurance-to-45000-u-s-deaths-a-year/

Is this okay to do? Not too clear on link rules.

As to my niece's friend's name, no, I'm not going to post it on a public forum.

SM, I actually agree with a lot of what you say. On that note then, why on earth are we still paying the medical for politicians and many other government workers? It seems to me that there is more "entitlement" (as they like to use that word so negatively) going on in government levels than we tax payers who are "demanding" that we actually get paid the promised Social Security and Medicare that we've been paying into for years. If only we would get all that money back that we put into it, like they get their salaries for life. But, I digress... Another debate for another day.

I do think that what is good for the goose should good for the politician ganders. Let them be responsible for their own, just like we are.

This just proves that the govt has no idea what real entitlement is. - Zville MT

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Not only do they get top notch medical care while in office (paid for exclusively by the taxpayer), but they get that coverage for the rest of thier lives, even after they leave office, not to mention thier nice big, fat salaries that they keep voting themselves a pay raise for! THAT is entitlement! I'm with you 100% on this one - let them try to find thier own insurance, pay for it themselves (especially since they're making so much money with inside trading deals up there!), and if they are of age, sign them up for Medicare. I'm willing to bet things would change pretty quickly!!

dealt with on an individual basis? - flossy

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That is not an answer! WHO is to deal with each case? As I stated in my previous posts, responsible people already do have health insurance if possible. There are millions of Americans who believe 'it wont happen to me" and spend their money on other things. There are those who cannot obtain insurance because of health issues or financial issues. Someone is going to pay their bills. I ask again, if you do not wish to force people to be responsible, who is going to pay, if not you and fellow taxpayers?

Dealt with on an individual basis - Concerned

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We have massive, extensive social programs where I live to help people with everything from screening studies to actual surgeries. Unfortunately, most of the people eligible will not even fill out the forms required. We also have Medicaid and there are also free medications programs available. Again, form completion is required. We also had an MD that would medically treat an entire family under a medical care situation for $ 75.00 month which included ALL office visits and testings in office that they may need which filled a huge gap for outpatient care. MD carried malpractice and did not turn anyone away. There were docs all over the area reviewing his model to extend it to their areas, thereby covering literally thousands of people for reasonable cost. Was working extremely well and there was a 97% + satisfaction by the patients participating. The govt stepped in and shut it down. So much for listening to an alternative health care situation. If there were things not liked about the program, it could very easily have been tweaked.

Now, that is sad.... - empirelady

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"We also had an MD that would medically treat an entire family under a medical care situation for $ 75.00 month which included ALL office visits and testings in office that they may need which filled a huge gap for outpatient care. MD carried malpractice and did not turn anyone away. There were docs all over the area reviewing his model to extend it to their areas, thereby covering literally thousands of people for reasonable cost. Was working extremely well and there was a 97% + satisfaction by the patients participating. The govt stepped in and shut it down. So much for listening to an alternative health care situation. If there were things not liked about the program, it could very easily have been tweaked."

What was the reasoning for the government shutting it down? I think the obvious answer was that it made sense for everyone involved, and when has the government ever made sense (total bipartison statement)?? lol

Seriously though, what WAS the reasoning for shutting it down?

Not that was sad - empirelady - Concerned

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Do not want to misquote; so, I am going to see if I can find the info on this guy. It was such a stupid reason that you were scracthing your head saying HUH? I do remember at one point, govt tried to say he was acting like an insurance company and sued him. However, he performed no duties that an insurance company did. There was a lot of legal back and forth and eventually, the govt cost him so much money, he had to abandon the process. Very, very sad. He was/is a kind man that had a great idea and helped a lot of people. He had a great setup and families especially loved it. He charged less if there was only 1 person needing his services (single people, widows, etc). I, too, believe anything the govt touches/manages, they screw it up; I agree with you on that point. Now you have my interest...I am going to see if anyone can remember his name.

There IS no answer - saying 3 posts - sm

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This is what we are trying to say. There is no single person - no John Doe, no Mary Jane, no Joe Shmo. Every situation is different. No two are the same. They should be dealt with on an individual basis IS an answer. It may not be the one you want to hear, but it is the answer. In fact reading all your posts it looks like you want a clear cut answer, name, date of birth etc. The fact is there is no answer. Yes, every case should be dealt with on an individual basis. My surgery was dealt with between me and my hospital/doctor. Two other posters had the same thing. Their case was dealt with. When I worked at a hospital years and years ago I sat next to coders. They dealt with the frequent fliers to the ER. They said that a lot of them think they are getting it for free, but they are billed. When they don't pay their bills it goes to the collection agency.

No a lot of people don't get insurance, but that is their right. If they need health care when they go to their ER before they sign in they will either have to pay be credit card or explain how they will pay. If they can't services are still given, but they work something out. That is what is meant by on an individual basis.

Nobody should be forced to buy a product they don't want and they should be responsible for paying their own bills. That is who will pay. There are also programs that help those who need it.

Hope that helps.

There is no answer - 3 posts - Concerned

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Still loving your posts. Very succint. I was REALLY getting tired of this board for all the backbiting I had seen when people disagreed. This is truly the closest I have seen to a great exchange of ideas between several posters without the nasty name calling. I will readily read all your posts and empirelady. Nice to have intelligent discourse, even when not all points are agreed upon. Keep it up!!

Let me toss this out there... - empirelady

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I know what you mean, Concerned. Honestly, I think the nasty posts reflect a level of frustration and fear of losing our beloved profession, wondering what on God's Green Earth we are going to do next, etc. Like you, I bypass anything that is obviously over the top.

So, what about this? Why, if politicians are so bent on everyone for themselves, do they have no qualms about receiving medical benefits that we can only dream about, paid salaries for life, allowed to make laws for themselves to okay insider trading when the "regular man" would be put in jail, etc.? Why is that okay?

Toss this out ther - Concerned

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I do not know what makes politicians so greedy for themselves or above the laws we have to live by. I think a lot of them truly believe they are the political elite and deserve everything they can get their hands. I personally do not think any of it is okay. Just as a very, very small example. We were discussing health care here. Why did they force such an onerous law down the throats of the populace, but they are completely exempt from having to comply in any way, or use the health care for themselves or their families, even if they serve literally minimal time in office FOR AS LONG AS THEY LIVE? As I stated earlier, I am reading through this law, and it is truly frightening what is being thrust upon us. You can rapidly spot the problem posters as I like to refer to them because they have absolutely no knowledge of what is coming our way. They are so hung up on ideology, they cannot discuss anything rationally. I have never missed an election, because that is all we have. I believe in terms limits and forcing ALL politicians live under the laws that they pass for us. I believe you would see a quick correction of ideologies and fast. Also believe all waste should have been removed from all social programs to the best as humanly possible before enacting a law that harbors more waste and throws all of our lives upside down. Just that alone would stop a lot of pols in their tracks.

I honestly think most politicians... - empirelady

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... are narcissistic by nature, love the spotlight and what they are going to walk away with during and after their terms. Before anyone pounces on me, I did not say ALL. But, I do believe a majority of them are that way. When they are the ones passing the laws, why not put a little something into their pockets while they are at it and a free pass to do as they please?

I totally agree with terms limits, and, I also think no corps should be allowed to donate money. If the individuals want to donate, so be it. That being said, wouldn't it be great if campaigners were only allowed $1 million to use? That way, their message would be short, sweet, and to the point of what they stand for, not based in smearing everyone else.

I do believe some of the terms in the healthcare are necessary to yank the insurance companies up by the short hairs, so to speak, from raping and pillaging the American public. Although giving them until 2014 is simply saying do it as much as you can, while you can, and they are.

Is there anything in there about drug companies and insurance companies deciding what drugs we use? I was astounded in my new insurance paperwork that the insurance company actually put into black and white that they receive a "rebate" from the drug companies in putting together their forumulary. They call it a rebate, I call it a kickback, and in almost any other business, it would be illegal and immoral. Why not them?

Until term limits are imposed, the lifetime bennies are taken away, and they are made to stick to the letter of the law like the rest of us, we'll simply be in for more of the same, indefinitely, both sides.

To empire lady - Concerned

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Agree with a lot what you said but not all...will explain in a minute. In answer to drug question, absolutely there are restrictions in Obamacare as to what can be used or not. Very, very involved and the HHS Secretary literally has final say over every aspect of health care, regardless of the problem or what actually works for that individual patient. Instead of your care being between you and your doc, there are now over 350+ agencies (so many, I lost count of exact number)which will determine how MDs treat patients. Some of the hospitals I work on that are trying to get a jump on Obamacare have already started to discontinue the use of outlawed meds. Breaks my heart for those needing those meds now. As for the insurance companies, as much as Obama wanted to demonize them to the public, and he did a good job, the profit margin is not at all what has been thrown all over the Lame Street Media. Some of them are operating with less than a 2% profit margin. The high end was 6%. However, they threw the numbers around in millions/billions because it sounded better and better served Obama's manipulation of the public. Since Obamacare forces them to pay out, I believe it is 80% in patient care, every single other expense, i.e., lights, property insurance, salaries, rent payments, heat, taxes, office supplies, toilet paper, must come from the remaining amount. When you actually study the numbers, almost fiscally impossible (I was a bean counter in a previous life..LOL); thereby forcing insurance companies out of business and the masses into govt insurance single payer, which is what candidate Obama stated he wanted all along. Those were his words, not mine, in a speech he gave praising single payer as the ideal solution to every woe. I have been the recipient of care overseas, govt, pretty poor excuse. Hope this answers your question.

The insurance companies... - empirelady

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... lost me when they were busted for letting people die while denying claims for their bottom line, going so far as denying claims because someone forgot to put down that they had had a bloody nose and went to the doctor when they were 10 years old, and gave bonuses to workers to deny as many claims as possible. This is what the BEST of healthcare reform would address, in my opinion. Something HAD to be done about that, along with, I'm sure many other sins against human beings.

empirelady - Concerned

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I was speaking strictly to what was crammed down our throat. I am certainly not defending case by case sitations. When you have time, search Judge David Kithil, out of Marble, Texas. Your hair will catch on fire. Tried to copy and paste, but not sure I can do that on this site. When you are done, call me so I can put your hair out...LOL He condensed many items for ease in reading this law.

To response - Concerned

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LOVED your post. I, too, went through a similar situation to yours medically. If I am responsible enough to take care of my bills, what is wrong with everyone doing the same? I refuse to take more interest in someone else's life than they will. As for the driving insurance, we all have the choice to drive or not or make other arrangements. Obamacare does not do that. I personally do not believe in abortion, but will now be forced to pay for abortions against my will and my faith. On top of that, I am now also forced to pay for illegals that should not be here to start with. And, yes, I have read the law. It is so encompassing and encroaching on our daily lives I am rereading it.

Concerned: Are you sure about your - comments on abortion? SM

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I seem to remember it being a big issue with republicans agreeing to the bill and that it was not included.

Abortion - Concerned

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Yes. You can find it easily in the law if you peruse it. Obama signed an executive order, which means absolutely nothing in regards to any law. Obamacare funds "women's health services" in any form, including abortions and funds abortion clinics, as well. There are guides being published, available online, that I have seen directing people to parts of this law that they are most interested in without having to read every page. Since download is about 2700 page; so, guides are not a bad way to go since it is so cumbersome. The down side to that is, different parts are tied together in different sections (very confusing), and some issues are buried in categories that make no sense whatsoever to the portion you are looking for. Dr. McLaughlin (I believe I have the name correct) has done massive, massive research on this law, and I have watched every speech/interview she has given that I had knowledge. Extremely informed MD.

Do you have a link to one of these guidepages? - Zville MT

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I've read the bill also and there's a lot of legalese so like you, I'm making my way through it again. Guides would be great! Also, any links you have to this Dr. McLaughlin would be great too - I'd love to hear what she has to say.

Links to guide pages- Zville MT - Concerned

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Just sent a note to empirelady. I am still not done compiling all my info. Very tedious process. However, there is a judge that has outlined several guides: Judge David Kithil, Marble, Texas. You can follow those through the bill. Some of his pages are out of whack compared to certain D/Ls as they have been updated, but you get the idea. This is by no way a complete, comprehensive list, but still enough to make you sick to your stomach. When I get the exact info for the MD, will pass it along. Nice to see another thinker in the group...LOL

Thank you! - Zville MT

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I'll check on these and keep the TUMS nearby :)

Thank you - Zville MT - Concerned

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Thanks for the laugh. I'm STILL chewing on them after reading that. Still trying to locate MD name we talking about. I think I spelled it wrong :(

Again, that would be for me to take on, not someone else. - Zville MT

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If that cancer or stroke was because I was a two-pack a day cigarette smoker for years, is that fair for you to have to pay for my bad choices? How about the liver transplant for the 30-year alcoholic or the hepatitis treatment for the lifelong cocaine user? I'm not saying that everyone who has these conditions did it to themselves, but if you pay for everyone, this is what you get.

Zville MT - Concerned

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Great post and I agree with you whole heartedly. I lost my insurance that I had had for years (good, reasonable coverage -it was Blue Shield/Blue Cross) within weeks of the Obamacare being passed. When I questioned why this happened, the broker told me my insurance was now "deemed illegal" and it was against the law for him to offer it to me. What a lot of people do not know is that relatively soon after this law was passed, insurance companies were no longer permitted to renew certain policies regardless of how satisifed the policy holder was with their insurance upon the date of renewal. Law passed in March, my renewal date was June. Obamacare regulations offered a replacement; however, the replacement was $ 600.00 more a month just for the premium and I had far less coverage, had to pay outrageous copays on OVs and meds. Simply could not afford it. I kept all the paperwork, though, as proof that "if you like what you have, you get to keep it" was a complete and total lie.

Same thing happened here - just couldn't afford it anymore. - Zville MT

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We've looked into getting major medical in case of major surgery, but can't seem to find it anywhere in Ohio. This is why I wish we could buy insurance from other states - a friend of mine in South Carolina has major medical at a really reasonable rate - I'm jealous :)

Same thing- Zville - Concerned

[ In Reply To ..]
Not sure if this will help you, but try AA. They offer programs for their members depending on level of membership. Not what rates are off the top of my head, but it may be another alternative. Hope it helps.

Never even thought of that - I will check into it - Thanks :) - Zville MT

[ In Reply To ..]
@

Nver thought _ to Zville MT - Menat to say "AAA"

[ In Reply To ..]
Guess you can tell I was tired or needed a "drink". I meant the AAA car club :)

Never thought to Zvill - Meant to say AAA - Concerned

[ In Reply To ..]
My spelling booboos make it look like was drinking! Here I come AA! All kidding aside, I just got AAA life insurance offer in the mail today. Not sure if you were looking for that, but their rates were fairly decent for nonsmokers. Do not need a physical either. I don't need it, but thought I'd pass the info along.

LOL - I figured that's what you meant :) - Zville MT

[ In Reply To ..]
I didn't want to go all spelling-police on you :) We have AAA and my hubby's in AA, so either way I had it covered - LOL!!!

Zville MT - Concerned

[ In Reply To ..]
LOVE your humor! It i so refreshing after seeing some that just seem to be covering this board to try and find an argument with someone, ANYONE....LOL. So much more to life. Will post you the number for the medical insurance first chance I get to look it up. Have had pretty steady work today; so, did not get to it. Will keep you/husband in my prayers. Used to counsel the teens in AA; were very dear to my heart.

Same thing Zville - Concerned

[ In Reply To ..]
Just ran some searches on Aetna for insurance that seemed more reasonable than a lot of others for my area. Not sure what your area would be, but they were about 1/2 of other insurers. They are not as comprehensive as I would like, but think I may put it in place and keep on searching. Hope you are doing well.

I found that too and they were pretty reasonable. - Zville MT

[ In Reply To ..]
We've also been getting letters from Anthem, which we've had before when hubby and I were employed rather than self-employed, and they seem pretty reasonable too. Again, not as comprehensive as I'd like, but all major stuff is covered and that's really all we need right now.

Thanks for posting this for me - I really appreciate it :) Hope you're doing well also - I love reading your posts on here!

The term "people who refuse to buy health insurance" bothers me... - bleeding heart liberal...

[ In Reply To ..]
There are so many reasons why people "refuse" to buy insurance of any kind - health, auto, life, homeowners, flood, etc.... Some of those reasons have to do with priorities - some people find it more important to eat than to wonder who will pay for their ER visit for diabetic gangrene after they couldn't afford to choose between eating and insulin. Other reasons have to do with greed. I think the conservatives who want to force people to buy health insurance are completely out of touch with what it means to try to live on less than $100,000 per year income. It takes MONEY and LOTS of MONEY to be able to have the luxury of "refusal" as opposed to "inability" to purchase health insurance.

When my family was in the position of needing to purchase COBRA coverage after a lay-off, the COBRA coverage would have cost $1300 per month for our family. Our house payment is less than $800 per month, and we have no car payment at all. "Refuse" is not the word I would use in this case. "Cannot" is the word I would use.

For all the talk about Medicaid waivers for low-income people, I think the conservatives are missing the point completely. $1300/month for health insurance is just too much, even for people making comfortable middle-class incomes in the $75,000 range for a family of 4 or 5.

"Refuse to buy health insuance" - Bleeding heart liberal

[ In Reply To ..]
Your comments are so off in regards to conservatives, it is actually laughable. It is the LIBERALS forcing people to purchase insurance. You can find the info on any vote in Congress. Obamacare is all about forcing people to buy insurance and Obama is certainly no conservative. He swings so far left, some of his own party have started to demonize him. Medicaid also is not being "forced" on anyone by any conservative. Sad to say your true liberal colors bled all over your erroneous comments. Speaking of missing the point...YOU sure did!!

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