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  1. #21
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    Quote Originally Posted by Scintillation View Post
    I'm currently covered but in the fall I'm intending to leave my job and go to culinary school. I know there are COBRA options but my stomach drops every time I think about how much that's going to cost. I sometimes think I can just get away with not being covered but I know that'd come back to bite me in the ass.
    If you are young and have no pre-existing conditions, you can get private insurance. It may have higher deductibles/copays than what your COBRA gives you but it should cost less.

    In my case, because of pre-existing conditions, they wanted my son and I to pay 25% more than the standard premium, which have been okay. But they wanted my daughter to pay 300% more because an ENT said she needed her tonsils & adenoids removed. The end result was that we'd be paying $25 a month less for about half the coverage as COBRA. So I went with COBRA and made sure we all had EVERYTHING done we could get done during this time. And my son had an emergency and was in the hospital for 5 day that we hadn't planned on and has a lot of after care too.

    So that part worked out well for us.
    "Cupcakes are bullshit. And everyone knows it. A cupcake is just a muffin with clown puke topping." -Charlie Brooker

  2. #22
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    Quote Originally Posted by IceAlisa View Post
    ^^^The answer to that, if you are young and generally healthy, is to get catastrophic coverage.
    You are still screwed though if you come down with a non-catastrophic ailment that prevents you from working.

  3. #23
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    If the ailment is protracted or requires hospital stay/procedure, you will reach your deductible eventually. For instance, the catastrophic insurance kicked in fast enough when I gave birth. Yes, we had to pay about $100 for every prenatal visit but once I delivered, the deductible was reached.
    "Nature is a damp, inconvenient sort of place where birds and animals wander about uncooked."

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  4. #24
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    (((((U.S.'ers!!!!)))))

    It's official. I am madly in love with Meryl Davis.

  5. #25
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    I went without dental last year. I had just had a cleaning and a bunch of fillings done in December 2010, and though my insurance covered 80% of the bill, I still owed about $350 out of pocket. So instead of paying $375 a year in 2011 for dental coverage, I skipped it and paid the OOP expense with that money.

    I should have gotten a cleaning in the middle of the year, since it's only $99, but I just kept putting it off. Eventually it was so late, I just decided to get dental back for 2012. My teeth are genetically soft and I've needed fillings often.

    No health insurance is one of the reasons I've shied away from moving without a job lined up. That's a nice catch-22 since it's difficult to get hired if you aren't already living there, but I don't want to move without a job.

    health care system --> <-- Americans

  6. #26

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    Quote Originally Posted by LilJen View Post
    You're screwed if you have any sort of long-term chronic conditions. To get onto one of the "health care exchanges" for high-risk patients, you MUST have had NO insurance for at least 6 months.
    I've also had breast cancer, so no private insurance will touch me, even though I'm 5 years clean. But, I did get into two state's high risk plans with no waiting period (Kentucky and Idaho). Just came straight off of COBRA. The prices are very high, and have high deductibles, but I don't like having to risk our retirement savings if something did happen (again). I am one of the most healthy people on a high risk plan. I run/exercise regularly, take no prescription drugs, have a healthy weight, no history of mental illness, etc. It is crazy that no one will insure me except the state.

  7. #27
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    I have private individual insurance for which I pay dearly, and unless you fancy the idea of potentially being saddled with a large medical bill for the rest of your life, I would recommend that you find some type of catastrophic high-deductible plan and find the way to pay for it. People rarely expect to get sick, but we do. Even the healthy among us. All it takes is one unanticipated surgery and you'll be facing a bill of potentially tens of thousands of dollars.

    Plus, as Mac said (I think), if you have a gap in coverage you are going to be screwed in the future if you have any pre-existing conditions.
    "I miss footwork that has any kind of a discernible pattern. The goal of a step sequence should not be for a skater to show the same ice coverage as a Zamboni and take about as much time as an ice resurface. " ~ Zemgirl, reflecting on a pre-IJS straight line sequence

  8. #28
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    I just smile when people complain about having to pay $200 per month for health insurance. I'm retired, am part of a huge group and still pay nearly $500 every month. That's just for me--no spouse, no kids. I'll be 65 this year and will be glad for that amount to go way down.

    Both my kids had fairly long periods of time without coverage when they were younger.
    It didn't seem to worry them, but I fretted over it. Thank God they never had a sickness or accident that required a trip to the hospital.

  9. #29
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    Regarding my previous comments, I realize many people simply can't afford $200 a month, and I didn't mean to be insensitive.

  10. #30

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    I went almost 2 years without insurance when I was laid off. COBRA for myself was $300+ per month and I just could not afford that on unemployment. The only reason I haven't quit my current job is to keep my insurance. Last year I complained about ghe high deductibles, but in hindsight, I know it beats a blank.

    I actually got an individual dental plan for just over $30 per month an it helped picked up a lot of slack my group plan doesn't. Ex: employer group plan does not cover crowns at all but this plan does. When I tried to get medical coverage thru the same broker who sold the dental plan he refused to give me a quote...he told me to tough it out with my group coverage because the deductible was enormous and the premium payments would have bought a car. I was under 40 with no pre-existing conditions.

    This year I chose group coverage that covers until you reach a spending limit of $1500 and then there is a gap in coverage until you reach another spending limit. I am healthy, so I chose that because I have not spent $1000 in medical bills including prescriptions in the last 5 years. About a month ago I walked into a store (national chain) where I slipped and fell on a wet rubber mat. I went to the emergency room, had follow up visits with my doctor, filled prescriptions, and currently going to physical therapy.

    I cannot run any of this thru my insurance or I will end up in that gap period. Everyone of my bills has to be forwarded to my lawyer who collects them to be sent to the store owner. It is a pain in the ass. All I can do is thank God I did not fall on ice in front of my house because I would have had a big bill. Next year I hope there are better insurance options for all of us.
    The privilege of a lifetime is being who you are--Joseph Campbell

  11. #31

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    Yikes, FiveRinger, that fall sounds scary. I hope you're doing OK. As I'm sure your lawyer told you, your expenses should be paid by the store's insurance. You should not be responsible for any of it.

    Yes, COBRA is expensive and you can probably do better with an individual plan as long as you are healthy with no pre-existing conditions. By better, I mean it will cost a lot less and coverage will generally be what you need. I believe that if you have had insurance for the past year with no lapse in coverage, you can get a pre-existing condition exclusion waived by a new insurance company - I think. Anyone looking into this should check on that.

    If you do have pre-existing conditions and can't get an exclusion waived, your only option might be your state's high-risk pool, but that will be just as much as individual insurance, maybe more, unless you qualify for assistance.

    After I got laid off 5 years ago, I got an individual plan with United Health Care, first under Optimum Choice, which then stopped offering individual policies in my state, and then under Golden Rule. I had to keep that plan until a month ago, when I finally got a job that provided health insurance (my most recent job was a contract position). I was very grateful I had it when I broke my leg ice skating - the hospital bill for surgery and a 1-night stay was $10K. And the surgeon and anesthesiology bills were extra. And then there were the follow-up doctor visits with x-rays, and 6 months of PT.

    I wouldn't recommend anyone go without health insurance for any length of time. I've been without insurance for a month here and there when I was much younger and was between jobs or between school and a job, but I was lucky.

  12. #32

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    Quote Originally Posted by Cachoo View Post
    BaileyCatts--just curious and you don't have to answer of course. Are you under 30?

    Nope. Maybe age and weight have something to do with it then? That's something I forgot to add, I have been calling other places to get a short term, they deny me. I am 46, and while I am overweight, I do NOT have diabetes, I do NOT have high chloestoral (sp?), I have no heart or lung problems, I do NOT have any illness or disease that apparently all "fat people" are supposed to have simply because they are "fat". Other than being overweight, I'm probably healthier than half the people reading this. I rarely even get colds in winter. I had a blood test in 2009 and every single test came back smack dap right in the middle of NORMAL range. My BP is always normal, everything is always NORMAL. But apparently since I am overweight, that means I am laden with diseases.

    So that is why I am thinking of going without until I can get on an employer plan, because I am running out of places to try who won't deny me based on one single question (how much do you weigh). And I am always asking for High Deductible plan options only because I know those are probably the best options for me. But if no one will sell it to me based on that one single question, what else am I supposed to do?

  13. #33

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    In my opinion, I think everyone at every age needs health insurance. Just regular maintenance per year with check ups, dental and vision.

    Also, young people aren't as "healthy" as they use to be or to what they think they are. A part of the US don't eat right nor exercise. I'm sure some would be surprised that they're obesity is putting them at risk for pre-diabetes and high blood pressure.
    "“My bronze feels like gold,” said the bronze medalist Carolina Kostner

  14. #34
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    Quote Originally Posted by BaileyCatts View Post
    So that is why I am thinking of going without until I can get on an employer plan, because I am running out of places to try who won't deny me based on one single question (how much do you weigh). And I am always asking for High Deductible plan options only because I know those are probably the best options for me. But if no one will sell it to me based on that one single question, what else am I supposed to do?
    If I needed private insurance I would be in the same situation; I read healthy on every single test, exercise, do all the exams you're supposed to do at my age....but I smoke. No insurance for me.

    However, although reading this thread breaks my heart and makes me so angry on behalf of everyone having to play russian roulette with the system, insurance is sort of a giant casino. They're betting by the actuarial tables that you or I will get really sick due to being overweight or smoking, and the tables are all they have to use. Some of this will change when the new healthcare system kicks in.

    I agree with everyone that you should get catastrophic coverage if at all possible. My daughter is 24 and still on my insurance (thank you Barack) because her job comes with none. She's got two years to find something that pays and/or ante up to pay for it herself, because I would pitch a total fit if she went without it. And she's healthy too.
    "Youth and vigor is no match for age and deceit." -- Prancer

  15. #35
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    Well I have not given up: BaileyCatts if I find anything at all I will post.

  16. #36
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    Quote Originally Posted by Grannyfan View Post
    I just smile when people complain about having to pay $200 per month for health insurance. I'm retired, am part of a huge group and still pay nearly $500 every month. That's just for me--no spouse, no kids. I'll be 65 this year and will be glad for that amount to go way down.
    In some areas of the country it would be more, even for younger people.

    Quote Originally Posted by BaileyCatts View Post
    Nope. Maybe age and weight have something to do with it then? That's something I forgot to add, I have been calling other places to get a short term, they deny me. I am 46, and while I am overweight, I do NOT have diabetes, I do NOT have high chloestoral (sp?), I have no heart or lung problems, I do NOT have any illness or disease that apparently all "fat people" are supposed to have simply because they are "fat". Other than being overweight, I'm probably healthier than half the people reading this. I rarely even get colds in winter. I had a blood test in 2009 and every single test came back smack dap right in the middle of NORMAL range. My BP is always normal, everything is always NORMAL. But apparently since I am overweight, that means I am laden with diseases.
    I think they make excuses for everyone. My friend was in her thirties and a marathon runner in great condition, but she was refused health insurance supposedly because she had once had a kidney infection. It's much more likely that she was refused because she was of child-bearing age. Fortunately, she now has employer-provided insurance and she had that when she was diagnosed with cancer. Otherwise, she would have been worrying about going bankrupt on top of worrying about losing her life.

    Quote Originally Posted by AxelAnnie View Post
    Part of why med coverage is so expensive is that people choose... The spiffy smartphone, great laptop nice car, trips, flatscreen tv, and the etc.

    I am not talking about people who are really poor... But 20-35 young professionals who figure they can do without it... And the can... Until they smash into a bus while txting and, end up with a compound fracture.
    That kind of thing really bugs me, too. I think that people who genuinely can't afford health insurance should get care anyway at a cost that they personally can afford. And I don't think they should be waiting until their life is in danger because that's not good for them and it drives up costs. But, it drives me crazy that there are people who can afford insurance and would be able to get it, but cannot afford the cost of care when they get really sick or injured and those costs get passed on to everyone else through higher insurance rates and higher state taxes (because it is often state hospitals that provide the care). I think I read somewhere that the average person paying insurance is paying something along the lines of an extra $400 a year to cover people who didn't get insured.

  17. #37
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    Quote Originally Posted by Allskate View Post
    But, it drives me crazy that there are people who can afford insurance and would be able to get it, but cannot afford the cost of care when they get really sick or injured and those costs get passed on to everyone else through higher insurance rates and higher state taxes (because it is often state hospitals that provide the care). I think I read somewhere that the average person paying insurance is paying something along the lines of an extra $400 a year to cover people who didn't get insured.
    Yeah, but it's supposedly unconstitutional to 'force' people into getting insurance. It's constitutional, apparently, to allow millions of free riders to crash the healthcare system when the worst happens.
    "Youth and vigor is no match for age and deceit." -- Prancer

  18. #38

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    My now-husband was without health insurance in his 20s, before he'd worked enough as an actor in Equity productions to 1) make it into the union and then 2) to accumulate enough weeks of work to qualify for their health insurance plans. During that time, he did have to go to the hospital for an injury to his hand, which cost him dearly.

    We are now both covered under his current union's health insurance plans, which are way better than what my (very very very large and stable major employer) company's health insurance plans are.
    And so, dear Lord, it is with deep sadness that we turn over to you this young woman, whose dream to ride on a giant swan resulted in her death. Maybe it is your way of telling us... to buy American.

  19. #39

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    My boyfriend is currently covered under his parents insurance until May 31st (after being laid off in October). He has epilepsy..specfically absence seizures. And its very active--even with meds, he still gets them from time to time. So he really needs insurance. That and he has 5 herniated discs in his back. He's desperately trying to find a job that will have insurance while going through school.

    It keeps me up late at night.

    My mom had no health insurance (she couldn't afford it ) when she was diagnosed with stage 3 colon cancer back in 2006. THankfully the hospital took her in, did the surgery, chemo, everything. I don't even want to think about the costs She's now on some type of indigent program so she can get healthcare.
    "Eve was not taken out of Adam's head to top him, neither out of his feet to be trampled by him, but out of his side to be equal with him, under his arm to be protected by him, and near his heart to be loved by him."

  20. #40
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    Quote Originally Posted by IceAlisa View Post
    ^^^The answer to that, if you are young and generally healthy, is to get catastrophic coverage.
    Except it's illegal in many (highly Democratic) states, including NY and I believe NJ.

    I would've had to buy a year policy costing about $12,000 to cover a one-month gap in insurance. Um, I'll take my chances.

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