I was insured. I had public health insurance that requires you get an HMO because when I moved to NYC I was looking for work and it was 2009 when NO ONE was hiring. I started working for myself. Now I make enough that I can afford my own insurance, so I’m in because I’m simply going from one plan to another.
The pre-existing condition exclusion is just a dumb requirement because if someone can afford health insurance they should be insured, period. It’s only going to get worse if they can’t be treated.
Yeah, I’m a a block with a bunch of other freelancers and that’s how I’m getting this expensive but kick a$$ BC/BS PPO.
However, I’m not sure if you’re replying to my original post or to someone else’s comment.
(Hard to tell as the page is breaking it up and has your comment out of order). Can you specify to whom you’re replying? I’m not seeing anything about financial help with co-pays.
i’m sorry if you feel i was trying upset you, i am a small busines owner as well, and while i would be happy again to say that hey i’m covered. but then as a businness owner you pay that premium every month and unlike your business model it is always a cost it never makes you any money ever, so then when it becomes hard to pay bills and pay roll as you expand this is a major consideration and whhen you look at penny for penny what your insurance actually does for you, business sense says it needs to be fix/ammended/ or changed and unfortunately it is my belief that it won’t actually be affirdable for me to purchase health insurance until the law requires it 2014…
do as you wish with your money thats why you got into business for yourself i wasn’t meaning to badger anything you were saying, it just to me doesn’t make business sense, you can purchase insulin from canda for just about the same prices as you co-pays+deductible+co-insurance+premium, and all the other fees that come along with insurance, penny for penny it is cheaper to shop on your own, and forcing doctors to do their oath when emergencies happen…
Well, it’s hard for me to see what your objective is to be honest.
I doesn’t make sense for you, but it makes perfect sense to me. I don’t ever want the stress of being hospitalized and uninsured ever again, if I can avoid it. I can, so I am.
I don’t have payroll. Not yet. I’m making sure I’m set before expanding into things like office space and taking on staff.
You’re right. It’s my money and it’s well spent considering what I get in exchange for the premium.
I’ve no interest in taking a risk that I’ll once again get sick enough that I need to be in an ER or a hospital worried about how I’m going to pay for it or, yeah, being hounded by bill collectors.
As for the Canadian system, if I were interested in that I would have pushed to marry the Canadian I fell for when I lived abroad or I would have followed through on expatriating there (I considered it and looked into it.)
A kid is “only” a few thousand bucks though, as long as there’s no complications! Plus diapers, food, video games, etc., of course!! We have a 12 year old so I’m not totally unfamiliar with the kid process and need to keep them insured. I also live in Illinois though, and kids are all covered under Medicaid until they are 18 here, although we had insurance, which covered the $25K or so that the NICU cost when junior was born.
What I’m objecting to is your decision that, if you need to be hospitalized, for whatever reason, you have decided not to pay it (because you CAN’T), and leave it to others to pay for it. It has nothing to do with the doctor’s oath – they DO get paid for their services, and where is that money going to come from? If not from your pocket, then whose? Obviously from the premiums that other RESPONSIBLE people pay for health insurance. You’re basically looking for a free lunch, but honey, there AIN’T no such thing. You are a genuine freeloader that the Republicans complain about. Proud of yourself?
Hurray! Insurance is a GOOD thing, paperwork or no paperwork. I’ve been without decent insurance for my son (when he was first Dx’d, but not anymore, thank God) and it is not a place I ever want to see again.
I know, this web site chops stuff up.
I was replying to Zoe.
Concerning health insurance, not having to worry about pre-existing if you are under group coverage.
In our state, and many, small groups can be as little as two self employed people and they do not hold pre-existing conditions against you.
Then I was thanking her for info she gave me on how to ask for co-pay assistance if you cannot afford your co-pay for Durable medical equipment. She had given me the name of whatever Animas calls it, and though it didnt apply to me directly, I then knew what to ask for.
Yeah, NY doesn’t have that and California, my home state where I’ll start spending part of time time, I don’t think has that either. It would be nice though.
hey thats fine you feel that way, i have spent considerable resources trying to secure health insurance for myself, and like amy winehouse said about rehab, they told me no no no. so do you really think i care if someone else’s premiums go up to cover my costs, i will reapeat no no no. soo while there are loop holes in the system and they have systematically made me a health insurance outcast why would i care about what happens to it… my only concern is self preservation.
so while this current system dictates that i’m not worthy enough of actual health insurance, i will get in where i fit in.
i don’t hear people moaning and groaning when insurance companies buy down their costs and in consequnce doctors have to make up what they charge when they up their price, directly inflating my costs as a self pay but you don’t care your copay is only 15/25/35- dollars what do you care what the insurance company is paying it makes it seem like your getting a better value. meanwhile insulin price creeps up from 35 dollars in the mid 80’s to 120 dollars today…
but you think i’m ripping you off lol…i advocate still for a UHC where a tax covers basic medical care, and private insurance can provide care for anything beyond i.e.dental, vision. non-emergency surgeries. etc…
also hospitals sell off debt since it never falls off your debt, much like hospitals having to accpet medicaid and the low pay out the usually hage contract prices of around 30 cents on the dollar, so don’t think they still aren’t making money or breaking even, hospitols don’t build new wings all the time for no reason…they don’t lose.ever.
Sounds like a good way to go with the two self-employed people. I’m also glad the pump funding is working out. I was elated when I discovered my pump would be free and my supplies would be discounted 30% of my 20% copay.
Well, it depends how they calculate things.
Without some help, I figure payments would be $200 per month and that sure isnt going to happen.
thanks again for the overall suggestion!
I’m not seeing anything about financial help with co-pays.