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Canceling Health Insurance

by Liv | Published on November 2nd, 2007, 2:33 pm | News
I've got annual enrollment today. I'm honestly considering canceling all health insurance. Like anyone, I'm scared. But at $50.00 a week, that's about $2000 a year. Considering I can get cheap prescriptions via mail, and I even stumbled upon a service which will doctor you up over the phone for cheap, it's really looking like it might be worth the risk. Better yet, If I put that $50 dollars in a money market account, at 4.5% interest and don't have any major problems for a few years I could have quite a nest egg set aside in case of an accident.

Sure it's scary, but if I get into a wreck then insurance will cover it. If I get hurt at work, workers comp. will cover it, and if it gets really bad I show up at the emergency room and say "hablas no englis". Then of course I could always drive to Canada and add a few "Hey's" at the end of my sentences for free health care.

Seriously... Health care is so screwed up here.
 
 
I'm assuming the kids aren't on your policy? But even so, it's important for you to be covered. You never know what the future holds, and one serious accident or injury (God forbid!) could devastate your family financially. Think long and hard before canceling your policy. Believe it or not, $50.00 a week is not a tremendous amount of money for insurance these days. Stay safe and well!

P.S. No, I don't sell insurance. LOL. I'm just a momma. Who thinks like a grandmomma already. ;)
November 2nd, 2007, 5:01 pm
caramichele
 
Yeah, luckily the kids are insured through seperate means.

I don't trust them a minute from knocking an eye out or impaling themselves.
November 2nd, 2007, 5:04 pm
User avatar
Liv
I show you something fantastic and you find fault.
 
Location: Greensboro, NC
Hey Kid, according to Nostradumas and the Aztec calendar the world is going to end in 2012. If you can hold out and not get sick between now and then just think how much money you will have saved. Love ya as always. BB
November 2nd, 2007, 10:46 pm
Brenda Bee
 
Liv wrote:Then of course I could always drive to Canada and add a few "Hey's" at the end of my sentences for free health care.
It's Eh! not Hey :roll:

Gotta get it right or you won't fool anyone. They'll also ask for your provincial heath care number at some point.

Insurance is a gamble. You're betting them you're going to get sick, they're betting you're not. Insurance won't pay back more than you give them on average - it's not an investment. If you pay for your own dental, ambulance, prescriptions you come out ahead. If you get a chronic condition or an expensive acute one then you'll wish you had it. Are you a gambler? Do you have comprehensive coverage for your car or can you afford to replace it it it gets totalled? If you won't assume the risk on your car then you shouldn't take it on you self.
November 2nd, 2007, 10:56 pm
User avatar
A Person
 
Location: Slightly west of the Great White North
They do have policies that have really high deductibles but cover you if you get deathly ill. Cost is cheaper.

But $50 a week isn't that bad, depending on what it covers. If that's for medical, dental, and prescription, that's actually really good. You're paying about 11% of your earning. But I think the $50 you'd be paying gets taken away from your taxed income.

I have some pretty good insurance because my company is large and I think they fund their own. I pay about the same % of earnings. Maybe a little less because the company size.

I don't fully understand them, but they now have these Health Savings Accounts type policies where you put money in, if you don't get sick or use it, you keep a good portion of the money and can put it toward getting sick in the future. It also earns interest. Many of the plans like from BCBSNC (I've been researching them so that's why I keep referencing them) are less the the $50 per week you're paying. I think you can use the money for anything after a while but there's a small penalty if you use to like buy a car.
November 3rd, 2007, 9:55 am
Matt
 
Hey A Person, just a curiosity, on your income taxes.... does it say how much % goes toward public health care?
November 3rd, 2007, 9:58 am
Matt
 
Dental and vision are seperate....

Plus they piss me off.
November 3rd, 2007, 10:04 am
User avatar
Liv
I show you something fantastic and you find fault.
 
Location: Greensboro, NC
Matt wrote:Hey A Person, just a curiosity, on your income taxes.... does it say how much % goes toward public health care?

No. It's complicated :)

It's funded four ways: Federal taxation, provincial taxation, individual premiums and user pay. Health care is a provincial responsibility, however each province receives federal money towards the programs, in return the provinces have to agree to certain principles and policy decisions of the federal government. (universality, coverage etc.) The amount the Federal government pays has been reduced steadily over the last ten years. It used to be 28% of the health cre budget, now it's 10%.

In 2001 government health care spending was around $56 billion which works out to about $1,800 per person. At the provincial level, health care spending is between 30% and 50% of provincial social program budget.

In Alberta the health care premiums are $88/month for a family earning over $32,000pa, most companies pay this for their employees.

Eyeglasses, prescription drugs, dental are not covered and are user pay. Businesses usually pay for insurance to cover these, you buy private insurance if you are self employed and choose to.

If this is included, total health care spending is around $100billion or 9.5% of GNP, (compared to 14% for the US) or $3,000 per person.
November 3rd, 2007, 2:41 pm
User avatar
A Person
 
Location: Slightly west of the Great White North
OH GOD! I can't decide....

I keep canceling it, and renewing.... $200.00 a month for health care.... which I can't even use because if I call in I get canned....

OH DARN YOU UNITED HEALTH CARE!!!!
November 3rd, 2007, 3:08 pm
User avatar
Liv
I show you something fantastic and you find fault.
 
Location: Greensboro, NC
healthcare072007.jpg
A few weeks ago, I was debating on whether or not to renew health care with my company. Today, I'm sorry I didn't. I now officially verbalize my hate for United Health Care, my quack Doctor, and the American Health Care System.

For instance. Right now... I'm sick. I should be able to see a doctor right? I live in America, not Canada where you have to wait 3 months on a waiting list? Right? I shell out $50 a week for health insurance, on the most expensive plan my fortune 500 company offers. When can I go see a doctor? The day before thanksgiving.

Here's the thing. I started to get sick last week. I toyed with the idea of going to see the doctor then, but being I work 7-6 and my doctor is only open 8-5, finding an opportunity to go, presented some problems. Well then I really got sick. But I still was going to go to work because I couldn't afford the time off or the wages lost. This of course is when my car broke down, and only then was I forced to actually take time to care for my own health. My employer who graciously gives me 3 days to get better ends today. It's just bloody freaking amazing that my employer has my cold down to a time line of 3 days. The truth is I feel like crap still. The idea that I'm going to have to work tomorrow, when I spent the evening vomiting yesterdays meals seems hardly enjoyable. But what can I do?

I mean, afterall this is wonderful freaking American. Blessed be it's name, our privatized health-care system is the best in the world. I only have to wait 3 weeks to go see a freaking doctor, at a cost of $225.00 a month. Sure I could show up at the emergency room and pay 4 times the usual co-pay, and sit in an emergency room all day, and then have a doctor tell me to take a cough suppressant and take a few days off work which my employer won't give me anyways. If I'm lucky he'd give me some antibiotics, but if he's like the last quack I had, he'll kindly state that I should just give it time.

What's worse is I come from a family where the idea of taking a sick day is looked down upon. Even in school my mom and dad would only let me stay home if I had the minimum of a fever and vomiting. Even then it was strictly to be in bed. I recall one time, mom yelling at me because the school had called her to come get me after passing out at a assembly. I was yelled at almost all the way home because she of course thought I had faked it, even though I had never done such a thing in the past. There on the lawn of the Baptist church I began vomiting, repetitively. But that's the American way? Isn't it. We're all too strong to get sick. We can work through it.

On Sunday, Dad even offered to drive me to work, knowing full well I was too incapacitated to drive the car.

I've sat through multiple days at work coughing, hacking, barely being able to talk to the customer. I'm sneezing on co-workers, and I've even asked my boss if there was some sort of work I could complete which would involve the constant use of my aching throat, chapped lips, and runny nose. Nothing ever comes of it. I sit there and fight it out through the day. Does that make me weak? Should I feel Guilty for even asking?

I don't think so. Personally I think if American Health care was so great, then I wouldn't be still sick. Isn't that the point? I eat right, I have an active lifestyle, I work non-stop; shouldn't I as a great and wonderful citizen of the greatest country on earth be allowed to see a doctor when I'm sick, be given some lee-way by an employer when I'm obviously sick, and be given time to heal?

While some of you might disagree, no doubt, you're probably the ones who also have ingrained it in your psyche this "American Bravado of Health" and likely you too have spoken phrases like "I can't get sick" or "I can't afford to get sick".

That's the American way of Health Care.

How are you ever supposed to get better when you health is based on a dollar value? Even when you walk into a doctors office, you don't see doctors. You see a receptionist and her staff of insurance billing specialist ready to take your insurance card and co-pay. The American way is about money, our health is only as valuable as the amount of money we're willing to give up. That's sort of sad.

I've got the 8 dollar benadryl, the 3 dollar cough drops, the 8 dollar Afrin, and the 10 dollar Zycam, the 3 dollar OJ, the 3 dollar Kleenex, and the 5 dollar bottle of Vitamin C. I'm still sick, but screw it, American Health insurance covered none of it.

In America, those with the most money find it easier to get health care. Heck if you have enough money, you don't even need to go to where your insurance tells you too. It's not as much of a risk, if you have money in the bank and don't rely on a weekly paycheck to keep the lights on. And lets not even mention the fact, that while I'm struggling.... atleast I have health care. So many people, including many people I work with, can't afford the $200.00 a month. Can't afford the $20.00 co-pay. Can't afford the days off from work, or the gas to get to the doctors. They can't afford the co-pay on the medication, or the deductible if things turn worse and you really do end up in a hospital. What does that say about our countries morals and ethics? How is this even remotely acceptable. How is it that snooty France has figured it out, and we the country who thinks we are so darn smart, can't get it's head out of it's ass for two seconds to recognize how horrible we actually treat one another?

It's this mindset that leads us to ignore common problems. To overlook being sick, and in turn we are so pig headed, so pompous that we end up dying from health issues that if where caught earlier, may have been curable. How many of our relatives, friends, and family have died. How many of them from Cancer, other diseases, that if perhaps we had caught earlier, we could have healed them? "But I don't need no damn doctor" my grandfather used to exclaim. I too have inherited this machismo cowboy attitude, as have most of the women and men in my same financial class. We think we're being brave, we're being stupid is what we're being... and we will pay for it because we live in America.
November 13th, 2007, 12:03 pm
User avatar
Liv
I show you something fantastic and you find fault.
 
Location: Greensboro, NC
What you're paying is pretty cheap for health care insurance.

What about switching health care providers to a place that has later hours 7 days a week? There's a place on Pomona that we used to go to. Open 9-9 every day except a couple holidays. No appointments taken. Just walk in. I never had to wait more than an hour.

It's a pain getting to know a new doctor but with your hours, it makes sense.
November 13th, 2007, 12:46 pm
Matt
 
I used to go to that urgent care all the time. Honestly I'm not sure If my insurance would cover it, but I'd prefer a family practice to an urgent care....
November 13th, 2007, 12:49 pm
User avatar
Liv
I show you something fantastic and you find fault.
 
Location: Greensboro, NC
The one on Pomona, damn I can't remember the name, took every insurance you could think of and billed it the same as a clinic. No extra fee for walk in.

here it is: Urgent Medical & Family Care http://www.urgentmed.com/

And look, they take UHC: http://www.urgentmed.com/index.cfm/fuse ... stom/1.cfm

Now pick up the phone and call.
November 13th, 2007, 12:53 pm
Matt
 
Liv wrote:I used to go to that urgent care all the time. Honestly I'm not sure If my insurance would cover it, but I'd prefer a family practice to an urgent care....


If your insurance won't cover an urgent care facility, then you need better insurance.
November 13th, 2007, 12:55 pm
User avatar
RebelSnake
 
Location: Greensboro
Liv wrote: but I'd prefer a family practice to an urgent care....


At this point I think what you'd prefer is a non-issue. Get better first, then worry about that.
November 13th, 2007, 12:58 pm
Matt
 
Thanks Matt... I'll give them a call.
November 13th, 2007, 1:05 pm
User avatar
Liv
I show you something fantastic and you find fault.
 
Location: Greensboro, NC
Liv Honey, first a big hug as that is all I can do for you. That and prayers.

Now, I don't know your employer but it is really short sighted of them to require sick employees to come in and spread the germs around. The trend in business is just the other way nowadays as companies have found it more profitable to pay employees to stay home when sick than force them in where they contaminate others and customers while doing poor work themselves. Do you have an employee advocate you might talk to? If not perhaps you can become that person and do a little research yourself and then present it even anonymously to headquarters. Companies really are in the business of making money and will soon change their ways if they can see their ways are losing them money. Brenda
November 13th, 2007, 4:05 pm
Guest
 
did you go?

Way to save money: If they say you need antibiotics, ask for an injection instead of pills. Yea the needle hurts a bit but you don't have to buy more meds because insurance usually covers injections.
November 13th, 2007, 8:23 pm
Matt
 
Whoa, I didn't realize it's that bad in there. Where I live (small European country) the companies are required by the law to offer a health care to their employees (well, it only applies to things that are work-related, like getting sick and not being able to go to work).

And then there's a paid sick leave if the doctor so orders (continuously one month or so at maximum, after which the government pays some base daily fee). And the government pays half for the medicines if they go over a certain amount (I think it's about $10 or so).

Of course, we pay quite a big income taxes (and other big taxes too) and have maybe a bit lower wages (as the employer has to pay for extra like healthcare and sick leaves), but at least I pay them happily for such a healthcare and other similar benefits.
November 15th, 2007, 1:11 am
Guest
 
Guest wrote:Whoa, I didn't realize it's that bad in there.


It's highly variable here in the US. It depends on your employer's policies. I am in the enviable position of paying $85/month for pretty darn good health insurance, and I have something like 5 weeks of combined vacation/sick leave a year. And it's only because I work for a really good employer. (I work for a university.)

But, yes, on the whole it's pretty bad. There are so many people without any health insurance, and those with health care still struggle, like Liv. A lot of my friends can't afford time off work to be sick because their employer only gives them a handful of days a year. It's worse if you have kids because your sick days have to cover both times when you're sick and times when your child is sick. Schools and daycares in the US send kids home if they're too sick, and they expect a parent or other caregiver to come at any time of the day to pick them up. That's especially a hardship on parents who are poor, not only for the income lost from taking the time off, but also often the types jobs they hold can be the least flexible in taking time off and if their kid is sick too often the parents can actually be at risk of losing their jobs.
November 15th, 2007, 9:05 am
Another Guest
 
Cost has a lot to do with the size of the employer. If they have a large amount of employees, they can negotiate some lower rates.

I imagine being a state/government institution helps too. If you're part of the UNC system, for example, I bet the rate are very reasonable.
November 15th, 2007, 9:10 am
Matt
 
I'm back. Yes, I went... this ordeal has been nothing short of insane. I'm currently on final notice with my employer, but I did go into the doctors. And I must say that this urgent care, was about the best health care I've gotten since living in California. I'm on 2 horse pills the size of a V-dub worth of amoxicillin, ambi... and a third medication because he concurred the skull chain and voodoo my last doctor had given me wasn't enough.

This is the first time in the last 4 or 5 doctors I've had, where they haven't said "Just go home". I'm impressed, and highly recommend the urgent care Matt mentioned. I used to go there when I was a kid, but had completely forgot about it.

I still feel like crap, but I'm hoping the medicine will work shortly.
November 15th, 2007, 2:36 pm
User avatar
Liv
I show you something fantastic and you find fault.
 
Location: Greensboro, NC
I've gone to Pamona UC quite a bit as well. I like the hours and convenience and I've never had to wait very long at all. Hope you feel better soon.
November 15th, 2007, 2:45 pm
User avatar
BecauseHeLives
 
well have the pills help clear your puss infested inards?
November 20th, 2007, 9:46 am
Matt
 

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