Health insurance for my mother.. need ideas - GoFuckYourself.com

MrMaxwell · 01-19-2013, 11:48 PM

She's 54 now and she had a stroke back in 1996 but is fully recovered.. her career is nonexistent and she is working as a waitress which doesn't pay much or provide any insurance. She's constantly struggling with payments to the clinic she goes to and for hospital visits.

She goes to the hospital an average of one time per year because her ear drum breaks without warning but she's not one of these morons that's living in the ER over nothing.. she seems to need to go to the clinic about once every quarter for miscellaneous shit but nothing major. She'll go in when she has bad bronchitis or when her ear acts up and I think there are some things related to her woman parts operation she had years ago, something about that still needs some upkeep sometimes (I don't want to know- LoL).

There's nothing from the stroke that still affects her. She had to learn to walk and talk and write all over again after it happened, but, though she isn't the same person anymore she's "normal" again. She can't handle what she use to be able to- so she's not going to have a career.

My parents have always been a big liability to me, but they seem to mean well.. She recently helped me out of a big jam and I want to help her with this.

If anyone knows of a way I could find affordable health insurance for her, I'd really appreciate that!! I know several of you on here use to be involved with insurance related matters. . . So thanks in advance

crockett · 01-19-2013, 11:58 PM

Tell her to move to Massachusetts, she will get very good health coverage for a cheap price at her age.

NALEM · 01-20-2013, 12:03 AM

Form a company, which in turn hires her through a temp agency that offers group medical/health. Traditionally she would be accepted even with prior conditions, and she gets the group rate.

MrMaxwell · 01-20-2013, 12:07 AM

Quote:

Originally Posted by NALEM

Form a company, which in turn hires her through a temp agency that offers group medical/health. Traditionally she would be accepted even with prior conditions, and she gets the group rate.

Wow, NALEM responded to my thread. Aren't you the famous one? I think I e-mailed you once and you said it wasn't formal enough. I remember because I NEVER e-mail anyone. Was that you?

NALEM · 01-20-2013, 12:19 AM

Quote:

Originally Posted by MrMaxwell

Wow, NALEM responded to my thread. Aren't you the famous one? I think I e-mailed you once and you said it wasn't formal enough. I remember because I NEVER e-mail anyone. Was that you?

Would you like to elaborate?

MrMaxwell · 01-20-2013, 12:24 AM

Quote:

Originally Posted by NALEM

Would you like to elaborate?

That's all I remember.. sorry
I thought it was pretty funny at the time. I told you that you sounded like something I would write, or some comment to match yours.

onwebcam · 01-20-2013, 12:28 AM

Why pay for it when she can have Obamakill err care?

MrMaxwell · 01-20-2013, 12:29 AM

Quote:

Originally Posted by onwebcam

Why pay for it when she can have Obamakill?

I don't know how all of that shit works, but I don't think she'll use it if it's just free from the government. The only thing her or my grandmother will take from them is retirement benefits which my grandmother does do because she paid in forever. But they never would do anything like free doctors or foodstamps or any of that.

kane · 01-20-2013, 12:31 AM

Is she in the US? If so check out info on your state. Some states off cheap/free insurance for people on very low incomes. If they don't have anything like that in your state then look into local low income clinics. Try calling your local health and human services department. They will likely have some info for her.

If the eardrum thing is something that always has happened and always will there might be a way for her to start a medical savings account, put small amounts in it then set up some kind of clinic she can go to instead of the hospital so it can save her some money.

You can also contact the hospital she goes to and ask if they have any kind of low income assistance plans. Many of them have money set aside to help people pay for bills. You will have to fill out paperwork and prove her need of assistance, but it could help.

epitome · 01-20-2013, 12:32 AM

Quote:

Originally Posted by onwebcam

Why pay for it when she can have Obamakill err care?

I have ObamaCare and pay for it. You obviously have no idea what ObamaCare is.

epitome · 01-20-2013, 12:33 AM

Pciplan.com is she cannot get traditional coverage due to pre-existing conditions. Come 2014 that won't matter but if she needs insurance before then that is the only place she is getting it based on her past.

MrMaxwell · 01-20-2013, 12:34 AM

Quote:

Originally Posted by kane

Is she in the US? If so check out info on your state. Some states off cheap/free insurance for people on very low incomes. If they don't have anything like that in your state then look into local low income clinics. Try calling your local health and human services department. They will likely have some info for her.

If the eardrum thing is something that always has happened and always will there might be a way for her to start a medical savings account, put small amounts in it then set up some kind of clinic she can go to instead of the hospital so it can save her some money.

You can also contact the hospital she goes to and ask if they have any kind of low income assistance plans. Many of them have money set aside to help people pay for bills. You will have to fill out paperwork and prove her need of assistance, but it could help.

I negotiate with the hospital for cash discounts and they told me before that they didn't accept her for a low income thing .. but I'm glad you mentioned that because now that you mention it I remember the hospital has changed hands since then ... it's a bad deal because her eardrum will break without warning and she's there with blood coming out of her head and pretty much has to go right then. Sigh.

I had no idea that there could be help from the state. I hope she'll accept it if there is. She pays taxes, not sure how much the state steals but I know the fed steals a great deal (well over 20 points!) and gives a-lot to most states.

MrMaxwell · 01-20-2013, 12:35 AM

Quote:

Originally Posted by epitome

I have ObamaCare and pay for it. You obviously have no idea what ObamaCare is.

Agreed- I have no idea. I don't affiliate with any political party or care who they are or what they do anymore. Is it a choice? Is it affordable at all?

MrMaxwell · 01-20-2013, 12:36 AM

Quote:

Originally Posted by epitome

Pciplan.com is she cannot get traditional coverage due to pre-existing conditions. Come 2014 that won't matter but if she needs insurance before then that is the only place she is getting it based on her past.

Thank you for being nice to me for once and for the information

onwebcam · 01-20-2013, 12:40 AM

Quote:

Originally Posted by epitome

I have ObamaCare and pay for it. You obviously have no idea what ObamaCare is.

Well you're an idiot when you can just pay the fine/tax instead and stick it to the tax payer all the while bankrupting health care and/or increasing to costs to fools like you. You would have to be a fucking moron to pay for insurance right now. You would be better off re-investing your money so you can afford the astronomical costs that will come in the future.

kane · 01-20-2013, 12:52 AM

Quote:

Originally Posted by MrMaxwell

I negotiate with the hospital for cash discounts and they told me before that they didn't accept her for a low income thing .. but I'm glad you mentioned that because now that you mention it I remember the hospital has changed hands since then ... it's a bad deal because her eardrum will break without warning and she's there with blood coming out of her head and pretty much has to go right then. Sigh.

I had no idea that there could be help from the state. I hope she'll accept it if there is. She pays taxes, not sure how much the state steals but I know the fed steals a great deal (well over 20 points!) and gives a-lot to most states.

In my state we have something called The Oregon Health Plan. It is health insurance for the very poor and kids. I know there are other states that have something similar, but to qualify for it you have to meet certain income guidelines or have other issues that keep you from being able to get/pay for insurance on your own. If your state has it and she doesn't make much money she could qualify for it.

Another thing you can try is to call local senior centers and talk to their case workers. I know your mom isn't old enough to use their services, but there are a lot of things out there people that most don't know about.

I recently went through a lot of this with my mom when she got really sick and had to move into an assisted living center. I came across a lot of different programs that could help her and not all of them were restricted to age.

onwebcam · 01-20-2013, 01:16 AM

Four colleges to cut faculty hours to Part-time status, blames Obamacare

http://www.theglobaldispatch.com/fou...amacare-60307/

And we haven't even got started.

MrMaxwell · 01-20-2013, 01:56 AM

Quote:

Originally Posted by kane

In my state we have something called The Oregon Health Plan. It is health insurance for the very poor and kids. I know there are other states that have something similar, but to qualify for it you have to meet certain income guidelines or have other issues that keep you from being able to get/pay for insurance on your own. If your state has it and she doesn't make much money she could qualify for it.

Another thing you can try is to call local senior centers and talk to their case workers. I know your mom isn't old enough to use their services, but there are a lot of things out there people that most don't know about.

I recently went through a lot of this with my mom when she got really sick and had to move into an assisted living center. I came across a lot of different programs that could help her and not all of them were restricted to age.

You've given me some good ideas. Thanks Mr. Kane.

01-19-2013, 11:48 PM	#1
MrMaxwell Too lazy to set a custom title Industry Role: Join Date: Jul 2005 Posts: 10,057	Health insurance for my mother.. need ideas She's 54 now and she had a stroke back in 1996 but is fully recovered.. her career is nonexistent and she is working as a waitress which doesn't pay much or provide any insurance. She's constantly struggling with payments to the clinic she goes to and for hospital visits. She goes to the hospital an average of one time per year because her ear drum breaks without warning but she's not one of these morons that's living in the ER over nothing.. she seems to need to go to the clinic about once every quarter for miscellaneous shit but nothing major. She'll go in when she has bad bronchitis or when her ear acts up and I think there are some things related to her woman parts operation she had years ago, something about that still needs some upkeep sometimes (I don't want to know- LoL). There's nothing from the stroke that still affects her. She had to learn to walk and talk and write all over again after it happened, but, though she isn't the same person anymore she's "normal" again. She can't handle what she use to be able to- so she's not going to have a career. My parents have always been a big liability to me, but they seem to mean well.. She recently helped me out of a big jam and I want to help her with this. If anyone knows of a way I could find affordable health insurance for her, I'd really appreciate that!! I know several of you on here use to be involved with insurance related matters. . . So thanks in advance

01-20-2013, 12:03 AM	#3
NALEM Confirmed User Industry Role: Join Date: Nov 2010 Location: Where ever Delta flies Posts: 3,125	Form a company, which in turn hires her through a temp agency that offers group medical/health. Traditionally she would be accepted even with prior conditions, and she gets the group rate. __________________ "The time men spend in trying to impress others they could spend in doing the things by which others would be impressed."

01-20-2013, 12:28 AM	#7
onwebcam Fake Nick 1.0 Industry Role: Join Date: Oct 2005 Location: Rent free, your head Posts: 26,786	Why pay for it when she can have Obamakill err care? __________________ PLEASE WAIT WHILE BIDEN ADMIN UNINSTALLS ITSELF..... ██████████████████▒ 99.5% complete.

01-20-2013, 01:16 AM	#17
onwebcam Fake Nick 1.0 Industry Role: Join Date: Oct 2005 Location: Rent free, your head Posts: 26,786	Four colleges to cut faculty hours to Part-time status, blames Obamacare http://www.theglobaldispatch.com/fou...amacare-60307/ And we haven't even got started. __________________ PLEASE WAIT WHILE BIDEN ADMIN UNINSTALLS ITSELF..... ██████████████████▒ 99.5% complete.

01-19-2013, 11:58 PM	#2
crockett in a van by the river Industry Role: Join Date: May 2003 Posts: 74,818	Tell her to move to Massachusetts, she will get very good health coverage for a cheap price at her age.

01-20-2013, 12:31 AM	#9
kane Too lazy to set a custom title Join Date: Aug 2001 Location: portland, OR Posts: 20,684	Is she in the US? If so check out info on your state. Some states off cheap/free insurance for people on very low incomes. If they don't have anything like that in your state then look into local low income clinics. Try calling your local health and human services department. They will likely have some info for her. If the eardrum thing is something that always has happened and always will there might be a way for her to start a medical savings account, put small amounts in it then set up some kind of clinic she can go to instead of the hospital so it can save her some money. You can also contact the hospital she goes to and ask if they have any kind of low income assistance plans. Many of them have money set aside to help people pay for bills. You will have to fill out paperwork and prove her need of assistance, but it could help.

01-20-2013, 12:33 AM	#11
epitome So Fucking Lame Industry Role: Join Date: Jun 2009 Location: St. Petersburg, FL Posts: 12,160	Pciplan.com is she cannot get traditional coverage due to pre-existing conditions. Come 2014 that won't matter but if she needs insurance before then that is the only place she is getting it based on her past.