| Should Resident TROLL stay or go | |
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| Tweet Topic Started: Jul 21 2009, 04:39 PM (1,292 Views) | |
| archer | Jul 22 2009, 10:03 AM Post #31 |
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Are you sure that isn't just indigestion? (that was a joke folks......really it was) |
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| Hello again | Jul 22 2009, 10:11 AM Post #32 |
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Do you have heartburn because DL says I am a nice person? |
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| archer | Jul 22 2009, 10:50 AM Post #33 |
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Is that what caused it? |
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| Hello again | Jul 22 2009, 10:52 AM Post #34 |
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Yep, you better get that ingestion taken care of now....before Obama's health plan ration old folks care. |
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| archer | Jul 22 2009, 10:58 AM Post #35 |
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hey....I am already so rationed by my insurance company (BC/BS) I doubt I'll notice the difference.....they won't even pay for an annual physical anymore....just upped and dropped it from my plan. And I can't change plans now because of pre-existing conditions (cronic heartburn cause by RT is probably one of them). So I get to pay the full cost of the physical plus the blood test and and any other tests my doctor feels are necessary, unless she lies to the insurance company and finds a medically necessary reason other than an annual physical. yep....the insurance companies can do that to those of us with individual planns whenever they wish to "cut costs". We don't have an employer to negotiate better plans for us. Bring on the new plans, only it won't be soon enough for me, I'll be on medicare by the time this all gets through, which is fine. My husband has much better coverage with Medicare than I have with BC/BS at 1/4 the cost (including his supplement plan) |
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| Hello again | Jul 22 2009, 11:09 AM Post #36 |
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Archer, The pre-existing conditions clauses ticks me off too - it's a fraud. I too have a personal health insurance plan with a major carrier, deductible is $5000 per person, family $ 10,000. I pay for a family of five around $ 311 per month. vs. $ 900 per month for the all inclusive plans. I have to pay for all procedures and medical costs up to those deductibles...however, I do get the "negotiated" insurance rates. We paid for all of our annual tests out of pocket. The frustrating thing about medical or test facilities they can't give you an accurate quote for the services. We estimated that we saved over $ 6000 for medical insurance. I think you need to read the "President's" health care program. If Health Care is a right as the democrats claim, how is they can deny it under the Obama health care program? Archer, I have a question....if you need (a must)to get an important documents or package overnight to location on the East or West Coast, do you use Federal Express, UPS, or US Postal Service? Edited by Hello again, Jul 22 2009, 11:11 AM.
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| archer | Jul 22 2009, 11:17 AM Post #37 |
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RT....when I got this plan....I paid $450/month, a reasonable cost considering I was in my late 50's. I have a deductible and a fairly high annual out of pocket cost. In a few years that plan is now almost $700/month, not quite so reasonable but I cannot change it because, as I said, I would have to qualify for any new plan and I probably can't. Last fall was when they dropped the annual physical, because it is no longer a part of the plan they don't even negotiate for a lower cost with the doctor. The blood test alone for my physical I ended up getting billed $400 for (insurance negotiated cost would have been about $40.) go figure......the lab cut me some slack when I talked with them and I paid less than half that, but get real, who can afford a $400 blood test? I will pay the exorbitant cost for a couple more years and then be done with them. They were, however, pretty good when I had my surgery, so I guess there is some balance there. |
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| archer | Jul 22 2009, 11:24 AM Post #38 |
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as for your other question....I have had excellent service using the US Postal service for packages....I love their fixed rate boxes where I can send whatever fits in the box for one flat rate....neither UPS nor FedEx do that. I pick the service that fits the situation. Fedex is not one of my favorite services since an overnight package my son sent me.....one that absolutely had to get here from NY in one day....they mistakenly sent to Idaho, then put it on a truck to get here to Colorado, 4 days later, and too late to do us any good. When I called them they were pretty much unapologetic, said those things happen, but did refund my son the difference in cost. BFD. I use UPS for large packages the post office won't handle. So what was the point of your question? |
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| Hello again | Jul 22 2009, 11:45 AM Post #39 |
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Here's my point, to fix the insurance and medical industry, 1) Cap on the amount of insurance premiums can increase and premiums can only increase when you hit a certain theshold of expenses within on year. In addition, portability must be required. 2) All costs should be disclosed, in writing, prior to the services rendered. They should require a menu of costs. 3) All drugs, rountine office visits and annual checks up should be paid by the individuals. To serve the uninsured, they must have two or more of the following qualifications: 1) they must be on food stamps (as this has qualification standards), 2) umemployed; however, have worked for more than five years of full time service or self employment prior to the unemployment, 3) income no greater than 150% above the proverty standards for household size, 4) disable (as defined by social security), 5) widowed, 6) deceased parent for minor youth, 6) file bankruptcy - I am sure there are more qualifiers ... You would qualified to be placed into a standard major carrier health care plan. The government would pay the insurer and that's the extent of the government involvement. Based upon your qualifications you would have maximum amount of benefits. For instance, an unemployed individual who meet the income qualifications would be allow to be on the plan for a maximum period of two years. After that, they would need to pay for their own insurance or get employee sponsored insurance. Additionally, illegals and uninsured should be allowed access to public facilities and not private hospitals or clinics. For instance, if a illegal or uninsured shows up at Swedish...they have to take him/her. This is wrong! They should be required to go to a public funded medical institution, even a VA's hospital if it's close by. The reason the federal government passed the access law was to shift the financial burden of uninsured of public facilities to private facilities. |
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| Hello again | Jul 22 2009, 11:48 AM Post #40 |
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My point is that nobody relies on the US Postal Service when a document absolutely positively has to be at a location the next day. The US Postal Service customer service is exactly the same type of customer service we will get with government health care. Long lines, rude people, slow service, at a cheap price. |
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10:38 AM Jul 13