Health insurance for working people is a joke
 

My sister works full time and they offer something that would take 1/4 of her income and it hardly covers fuck all. My lady friend works full time, same deal.

What the fuck is wrong with shit, these days :mad:

Oh and here my lady friend is, just had $300 worth of tests we had to pay for BEFORE they would do them... and now she needs ANOTHER round of some OTHER tests, same story.. and we don't even have it

Meanwhile she feels like hell, can't concentrate, has vision issues... etc

Something about her pituitary gland and hypothyroidism or some shit

For chrissakes

That is ridiculous her working full time and can't see a doctor

Oh and the best part is the "clinic" she can "afford" to go to is in a slum area where a god damned crack head approached me asking for some CHANHGE

Go in the lobby and hope to christ you don't leave sicker than you came in - everyone coughing and wheezing and illegal all over the whole place and crackheads everywhere

My fucking god

system is out there for them to make billions what did you think this is for?

So we can treat all of the illegals, STEAL 1/3 of hard working American paychecks to pay for it and then leave said hard working Americans OUT IN THE COLD so the illegals can sneer and laugh at us and hate us? :mad:

health insurance is the biggest scam out there.

i fight with mine regularly about what they will and will not pay for, although they are supposed to pay they still dont

capitalist health care: only the monied classes need apply. :thumbsup

I pay 25 euros/year for basic coverage and 190 euros/year for extra (dental, hospitalisation, full coverage and separate rooms). (300 bucks/year). Got to love Europe!

How in the world does someone's health insurance cost 1/4 of what they make? Unless they are making peanuts....

Health insurance for a family of three costs me $320 a month.

Yes and what was Obamas big answer to the problem....let the insurance lobby write obamacare

what we need is a good old fashioned revolution.

Health insurance is insanely expensive. I'm paying close to $500 a month just for myself. I mean it's a solid plan, but still.

This was a lot of years ago, but I am sure there are still people in this situation at companies like this. I worked for a company where most of the people made around $7-$8 per hour. At this time it was the early 1990's and minimum wage was around $4.00 per hour. So the average person at this company made $280-$320 per week before taxes.

For a while your personal health insurance was free and it cost $30 per dependent per check for you to add your kids/spouse. The company got sold and the new company changed they rules. They took $25 per check (we got paid twice per month) for your personal health insurance. It was $80 per check per dependent beyond that. There was a single mom that I worked with that had three kids and a deadbeat ex. So she had to pay $50 per month for herself then an additional $480 per month for her kids. Total of around $530 a month for health insurance coverage and she made about $8 per hour so about 40% of her wages went to health insurance. needless to say she couldn't afford it and found another job asap.

I have a feeling stuff like this is a lot more common than you think.

So you have a $10,000 deductible catastrophic plan?

Then consider yourself quite lucky, you must have a fairly healthy family. I know a few people that pay 1/3-1/4 of their paycheck for family insurance, shit coverage.

Depends heavily on the state you live in.. NY I'm paying now 560 a month for a 2k deductible plan and every year it goes up and up

Socialism will give you good education, health care, culture and full employment.

Buy some today !

The system works like this.

PHASE 1:Introduce you to a system - Where you are taught nothing except Lvl 1 bullshit. 1-10yrs. If you are lucky you might be able to read and write properly. Believe it or not. You are a financial burden and debt on your family for the rest of there lives.

PHASE 2: Make you pay for shit knowledge to get a piece of paper that should get you a job while putting you in debt for over 10 years with interest. You are also expected to work during this time to house and feed yourself.

PHASE 3: Work you enough so you can barely house and feed yourself. You will never be paid enough to generate anywhere near the wealth of your employer. 20-50 Years.

Also... During this time if you have a child you will pay anywhere between 5K to 10K just for the birth. You are provided the illusion that you might own your house but the reality is. You do not. The bank does.

ALso During this time if you marry. Expect to lose half of everything. Odd's are your marriage and love will not last. If you have any offspring during this time you will lose upto 1/3 of your earnings till the child is 18yrs old. If you divorce you will lose 1/2 of everything again.

PHASE 4: As you get older the system begins charging you to stay alive. Drugs, treatment, dental work, accidents.

PHASE 5: As you grow older that pension, social security, and savings are gone or stolen from you.

PHASE 6: As you die every last penny is drained from you till your death and not a minute before.

PHASE 7: Anything you might have left to your surviving children and family is split in half as they are taxed nearly 40% of everything once they inherit it. IN 80% of cases currently in the USA the death and burial of a family member often results in debt to the next of kin.

Rinse and repeat.

OH yeah have a nice day.

A couple other things to think about.

The home you own is not your own. Yet you are taxed every year for it even though the bank technically owns it under the guise of a "loan" that is once again charging you monthly with interest... The land you supposedly own odd's are you have no mineral rights, you may not conduct business from it. Odd's are your home rests on former garbage dump or toxic land fill deemed safe by supposed "Authorities". If you are lucky it's simply a worthless plot of land, still subject to toxicity from pollution, and subject to robbery at any time. To boot you are required to insure this home that is yours and the bank that actually does own it does not. You are also required to maintain upkeep on this house although you do not technically own. Paint it, buy tools to take care of it.

That car you have, just to drive it, you must pay, even after its paid off. Every year you pay registration, and a monthly fee for insurance. Just to drive you must also buy its gas to fuel it. A typical car(s) will cost you 1/3 of your earnings in early life if not more.
This car you supposedly bought takes you to work so you can get paid, however over the duration of time your cars will cost you much of your wealth assuming you do not die in it. The minute you drive the car off the lot its no longer remotely worth what you paid for it!

No shit, no decent coverage is gonna be that cheap

Very nice and true.

So, what scares shit out of majority in USA to move out to Eeastern block?

That wasn't the Obama Administrations answer, that was the result of "bi partisan" negotiations that failed in the end. The Obama Admin. wanted a medicare all type system but it never got out of the gates.

If you weren't a retard, you'd have a decent job and put her on your insurance. It's too bad she has a retard for a boyfriend.

Can you hit me up and pass me on some info on that? I cant find insurance for less then 700 a month for just myself and my son. Thanks

Nope... Obama never supported a single payer system...

why everyone still paying so much? what was the point of obamacare?

Really? Or do just mean that he no longer supported it after he got elected, just like he no longer want to end the wars, get rid of lobbyists, get rid of the patriot act, stop failed Bush policies and so on?

Health insurance is a scam, a scam all Americans will be forced to buy into.

If she's hypothyroid then it means her thyroid gland isn't able to produce the amount of T4/T3 her body needs for optimal metabolism. This is why her vision is blurry, she's tired all of the time, can't lose weight, can't think straight, etc.

She can confirm this with a $39 thyroid panel from here http://www.saveonlabs.com/products/T...-with-TSH.html (order, walk into local lab with paperwork, receive results online).

If her TSH is high or over the top of the range, then she's got a thyroid condition.

Next, order some "dessicated" thyroid medication, like Armour, Nature Thyroid, Thyroid-S, etc. online. It's cheap. You can get a 6 month supply for like 50 bucks.

Start with 1 pill in the AM. Then after 2 weeks, increase to 1 pill AM and half a pill in the afternoon. She should be paying attention to how she feels and look to adjust her dose upwards until she feels good and wants to stay where she's at OR she begins feeling hyperthyroid symptoms (rapid heartbeat, anxiousness). If she gets to 2 pills, then hold for 6 weeks before deciding whether to increase or not.

There you go, medical advise on GFY :)

I treat my own thyroid btw. Quack docs have their treatments all fucked up.

Sure he did, but he (supposedly) realized it was impossible without entirely scratching the current non-system of Insurance Companies and the jobs/paychecks that go along with it. Nothing short of complete economic collapse and/or revolution will change things now.

Here is one thing I agree with Michelle Bachman, that the individual mandate is a stepping stone to "socialism" (single payer). I agree, everyone will be forced to deal with Insurance Co. Bullshit, rising prices, and start asking why the for profit middle man is necessary at all.

Cutting corners when it comes to healthcare sounds like FAIL to me... :2 cents:

I'm not sure about taking the treatment advice without at least consulting a doctor, but the cheap lab work is legit. They are becoming more and more popular. Pretty good solution really.

yea, I was referring to ordering some meds and treating yourself based on a single blood test result... that's pretty foolish I think... her TSH or whatever is off, so that's why doctor ordered additional tests to figure out why her TSH is off to be able to treat the cause effectively... for all we know her TSH is off because she lacks vitamin b12 or zinc or something in her diet...

TSH is the hormone signal sent by your brain to make your thyroid produce thyroid hormones. If it's high, it's because her thyroid gland isn't able to produce what is needed and her brain is pushing it harder and harder. Since cost is an issue there is no need for other tests right now. If she's hypo, she's hypo.

Most docs identify and treat hypothyroid by TSH labs only - they don't even order other labs. I don't agree with this as far as determining whether or not your treatment is working - but to identify a case of hypothyroidism if she's not on any thyroid meds, TSH is the first marker to look at.

Only she can determine if her treatment is working, and again, working with a GP will likely result in the doctor not really asking her how she feels but telling her she's "fine" based on what he reads on a piece of paper.

What is the point of that? To walk in and have someone tell her (or insist that) she's fine? Most people can figure that answer out for themselves. They don't all need a doctor to hold their hand when there is plenty of information out there on how to treat this condition yourself (or how to guide your doctor in treating you).

This isn't brain surgery, it's a thyroid deficiency due to an underactive gland that isn't going to go away by itself no matter how her diet or supplements change. She will need to replace these hormones for the rest of her life.

Depends on the coverage, I work in the health insurance field, there is hmo/ppo/pos, low deductible, high deductible, the rise in cost of health insurance is also due to the rise of patient care in the hospital too, drs want more money also...

if you guys need any help with how your coverage works, i can help, icq ...Thanks

Well, there is the answer to the question : "what the fuck is he on?"


:1orglaugh

I go through Blue Cross independently and have high deductible insurance for my children. This costs me $65/month for my 10-year-old son and $80/month for my 16-year-old daughter. It covers 4 basic doctor visits per year (thanks to Obamacare; this did not used to be the case) and nothing else until I've spent $5k out of pocket. I keep $5k aside just in case something catastrophic happens. It sounds crazy - why pay for insurance that isn't going to cover anything unless something disastrous happens?

1. I save more than $5k per year in premiums which covers my $5k out of pocket. To date I have not spent more than a few grand out of pocket on actual healthcare expenses in a single year.

2. By simply being in the BCBS network I am given their negotiated rates if I stay in-network for our healthcare needs. For example, my son broke his arm and had to go to the hospital to have it reset. I got a bill for over $3k. I sent it to my insurance company, they adjusted the bill to their negotiated rates, and then sent it back to me saying they weren't paying any of it since I had not met my deductible. The new total I had to pay out of pocket? $800.

3. My family is very healthy and there are no preexisting conditions or monthly medication to be concerned with, so I literally only need catastrophic coverage. I can afford to pay out of pocket for annual exams, dental cleanings, etc... especially considering how low the negotiated rates are!

I don't know what state you live in, or what other special conditions you may be dealing with, but here is where I found my coverage: http://www.ehealthinsurance.com/

That would be great if I was that kind of a sucker. Taking care of a helpless female is something I have done ONE TIME. I was in my teens.. I had my own home at fifteen.. my woman at the time had everything she wanted or needed.

Eh

What this current lady does have is someone who is lighting a fire under her to reach her potential and work something that WILL allow her to afford proper health care. I am a wonderful thing for someone to have in their life. Period.

These days I'd almost trust someone on here more than the people at the poor persons clinic.. We got a couple more tests done, today - can you tell me WHY they need a second thyroid test?

First blood panel catches thyroid issue
They want more blood and $130 we paid today to check thyroid?

Makes no sense

Her mother had hers removed... just takes pills, probably like you're talking about?

They have her taking an iron supplement.. Not sure why

Quick question - I haven't been seen by a doctor in YEARS
Is there anywhere I could send some blood for an inexpensive blood panel??

Thanks for the info, I'll be looking into it. My son does require monthly meds and I do have a preexisting kidney problem. Most likely why rates are so high for me when I get quotes.

Now they did that second thyroid test for some reason and everything is "normal" though the symptoms persist... all she can do, I guess, is make another appointment

I have no idea of how this works. How can I have her seen by a better facility? Without crackheads and illegal all over the place? I don't even mind if she has to go into a couple grand worth of debt or whatever else, I want her fixed!!!

When I had money there was a "clinic" I would go to. I would walk in, see a doctor, a good one - and on my way out I'd give the desk $125 and that was all there was to it.

This poor persons clinic charges $25 and I think it's subsidized in some way (which I am not against her using that as the government does rape her of a big chunk of her earnings) ... but I want her seen by someone who is going to fix it

I guess the plan for now is to get her back to this $25 doctor and I will be going in WITH her this time. The doctor is IMPOSSIBLE to talk to, she keeps calling and talking to some assistant

They also told her she may be "anemic" when she first went in.. the symptoms could be the thyroid thing, or that, I guess?

This is really making me mad.

PS: Why do the illegals get all of the tests free? Why do we have to pay? Can I have her pose as one, refuse to give a social, and get it for free?

I thought about even driving her to another city, taking her to some ER, and having her speak a second language and give a phony name .... isn't that what the illegals do??

I'm actually serious at this point.. seems like it works for them
Why can't someone who PAYS TAXES get some medical attention for chrissakes?!

You sure do know how things work.. that is why I've been "off the grid" 99% of my life

I don't have flower hair or say FIGHT THE POWER or wear peace signs, but I hate the rape of American people.

Would you have any idea of why they did a blood panel, cited thyroid and pituitary issues, then needed a SECOND blood draw to test thyroid again and now say that it is normal??

They also want a sugar test and a calcium test.. $100 for that? I can test her sugar at my grandmothers house, free.. .

She's got low blood pressure, all her life, and has always eaten ALOT of salt - she CRAVES SALT - my sister said she needs extra calcium because of that

I sure appreciate your post
Thanks!!

And you were right, she is a tiny little woman, but recently she has gained about four or five pounds and it really shows on someone her size (Plus she feels bad about it and that stresses her out)

Welcome to The land of the "Free"..

Exactly. She's doing a little over ten per hour plus TINY commissions. She was making close to 50 and before too long here she'll be making quite a bit more... but right now it's tough as hell for her

Where on earth is that? :1orglaugh

At this point from what I'm getting third hand (through doctor to assistant to my woman to me) .... the doctor wanted a calcium test along with all of the other ones .. haven't been able to do it

Then with what my sister said a few weeks ago about her consuming excessive amounts of salt, and needing extra calcium

Maybe a calcium deficiency could cause the thyroid problem?

Either way I am going to put her on calcium supplements, for now..

Welcome to the Land of "Freedom of choice" :1orglaugh

Welcome to "United we Stand" :Oh crap

Welcome to "Freedom of Speech" :Oh crap

Welcome to you can be "Anybody you want to be" after you Graduate from College..etc..

:1orglaugh:upsidedow