co-insurance: 10 ways to get affordable individual and family …
What do you do when you don’t have a job and can’t get affordable individual or family health insurance from an employer? Or, what about all the families that have jobs but cannot afford the health insurance offered by their employers … read more…
Individual health insurance policy and family floater policy
what is the total health insurance cover? Me and my wife have a family floater plan of Rs. 3 Lakh and each one of us is also covered by our respective employers for Rs. 2 lakh. What is the total health insurance cover available to us … read more…
Why Should I Have Dog Health Insurance? | Directory Deals
A dog owner without dog health insurance can struggle with unexpected veterinary care costs due to unexpected illness or injury from accidents. Some dog health insurance policies have coverage for routine veterinary care like … read more…
From Google Blog Search
Choosing Family Insurance Coverage
Many insurance companies offer family insurance coverage as an alternative to covering family members individually. This type of insurance typically covers healthcare costs for family members and prem… read more…
Tips to Choosing the Right Home Health Care in Bucks County
If your aging parent or relative is having a hard time taking care of the home and other aspects of life, or you or a loved one have recently had some form of hospitalization or surgery, you may have … read more…
The Basics of Burial Insurance – Start Now Or Never!
You sure don’t want to imagine going to your final destination without a decent funeral? And, you sure wouldn’t want your family to handle the burden of paying unsettled debts and bills? If yo… read more…
From GoArticles.com
Health Insurance Coverage – Free Health Insurance Quotes
HealthInsuranceCoverage.com is your one-stop resource for all things related to health insurance. Visit – http://www.healthinsurancecoverage.com/
Cancer and the Fear of Losing Health Insurance (Newsweek)
I dealt with cancer. But it’s the possibility of losing my husband’s health insurance that really scares me. read more…
Retail stores dishing up health insurance (Miami Herald)
As laid-off workers lose benefits and the nation’s leaders discuss sweeping healthcare reforms, one insurer plans to sell health insurance the same way others market cellphones or iPods — through retail stores. read more…
Azad to launch health insurance for poor on Jul 23 (New Kerala)
Chennai, Jul 14 : Tamil Nadu Chief Minister’s ambitious Rupees 520-crore Health Insurance Scheme for the Poor would be inaugurated by Union Health Minister Gulam Nabi Azad here on July 23. read more…
Open Question: Screw Removal from Tibia: several questions…?
I broke my right tibia and fibula in January. The doctor put a rod and three screws in the tibia, which healed. I walk normally about 90% of the time (excluding going down stairs), and have had A LOT of pain from the screws whenever it’s raining or wet or cold (I live in the Midwest so winters are NOT good) until my family doctor prescribed Celebrex. Even the Celebrex doesn’t stop a lot of the pain, but it makes it so I don’t have to stay in bed and/or take darvocet or something stronger on the wet, rainy, or cold days.
I’m going to have the screws removed in about four weeks. The procedure will be outpatient, and my orthopedic doctor said I can have it done as early as mid-August. I was told to bring crutches and my boot with me, just in case. My questions are:
1. When could you drive? (If it was your right leg)
2. When could go go back to work at a job that didn’t require sitting at least 90% of the time?
3. When were you able to walk without crutches? I mean, like a little at first, such as from your bed to the bathroom?
4. Were you able to take a shower two days or more after surgery (even with a shower chair)? If not, when were you able to do that (instead of taking sponge baths)?
5. Were you given any kind of prescription pain-killers?
6. When were you able to do pretty much anything you wanted to do (like take a walk in a park or ride a bike or other kinds of exercises)?
7. When were you able to kneel on the ground to do stuff like organize books and reshelve bookshelves?
8. Which did you have: a spinal block or general anesthesia? Which would you recommend (if applicable)?
9. How long were you on crutches? I mean, including the times when you couldn’t put weight on the foot, and times when you were able to put weight on it if you had crutches.
My doctor said I could return to a sit-down job four days later, so I’m assuming the surgery isn’t that bad. Plus, it’s not even going to be done at the hospital (but my orthopedic doctor/surgeon will perform the surgery).
The reason I’m having it done as soon as possible (besides reducing the pain) is that I’m looking for jobs in the next state, and I want to be able to have this surgery out of the way (because I have family around here and I will be with my parents for at least the first two to three weeks after surgery). Plus, my family doctor wouldn’t prescribe Celebrex for a long time, as I have several minor gastro-intestinal issues (like GERD), and he was concerned I’d have problems. Finally, my health insurance will pay the entire surgery since I met the deductible and it’s part of the same claim (well painful hardware; I also checked with them) if I have it done before December 31. Well, I’ll have to pay $15 for each prescription, but that’s nothing.
If it helps, I’m in my 20s, I don’t smoke, and I have a follow-up appointment scheduled 13 days after my surgery (with the same doctor).
Thank you for your answers. I realize everyone’s different, but I figure hearing about it from someone who’s been there (or at least cared for someone who has) would be great. I’m not really scared of this surgery, as I’ve had several others in the past, and I know I’ll be home at least six to eight hours later.
Open Question: How to deal with mental illness when you have no insurance or money for medications?
I am in a big pickle right now. My insurance was denied and I had to make an “appeal” to see if I can get it back because I had made a mistake and forgot to send in a form when they were doing an audit at my fiances job.
So, now I am out of health insurance for the next 30 days or more, and there is even a possibility I may not get it back. I have to wait and see if they will approve it.
I have been dealing with on-off episodes of severe depression for as long as I can remember since childhood. I was passed around to different Dr.s etc and I was never diagnosed with anything concrete. One would say this, one would say that, I went from medication to medication, and never was never sent to a neurologist to see if I have an actual affective disorder etc. I have been hospitalized 3x for suicide attempts. The first time I was 13years old, I was in a comatose like state for 3 days. I was lucky to live after that.
When I was 18 and moved away from home, things got better in a lot of ways, but also more and different issues have been arising. Since about age 18 or so now that I look back I see different patterns in my depression making me think possibly I have developed bipolar disorder.
Now I am a new Mom of a 3 month old son. I came down with severe Postpartum depression. My family Dr. put me on Wellbutrin XL, and right after this, my insurance was denied. It seemed like it was working, but now I have episodes of extreme aggitation to the point I feel like I am a volcano about to explode. My whole body tenses from the anger, I feel it in my neck, head….It seems like my mood swings are worse. I get so mad that I sometimes feel the urge to slice my wrists or swallow a bottle of pills. It takes everything in my being to stay as composed as I can and push out these thoughts. I am starting to get scared. My fiance is scared, he says he has noticed I am just getting worse.
I don’t know what to do because I have no health insurance and I NEED to get help. I need to be able to care for my son and work to help support him. We are going through a hard enough time as it is in this economy, I have lost so many of my investments etc….everything is a struggle up hill it seems, and now dealing with this and a new family make is so much harder. I have a supportive family and fiance, but I need professional help. I don’t know HOW to ween myself off this Wellbutrin or what to do when I run out? They are too expensive for me to afford without insurance. I just want to get better. I know I have a serious problem and I want to be better for my son. I dont know what to do, and I am so scared or losing my son ever since my family Dr. said that CPS can take him away if I don’t get better; (she said that they can say you are unfit as a parent even if you are caring for him and there is no abuse, but just for the simple fact you have postpartum depression or other mental illness makes you a danger? ) I try not to think of this. I dont know if she is trying to scare me or what…I just try to focus on being more postive. I am looking for online forums for help and still searching for free therapy but have had no luck with anything in my area.
Open Question: Is there a case for a dental lawsuit here?
I have been seeing a dentist to have some fillings completed. I went to an appointment and was informed that my previous dentist was no longer there due to change of management. One of the new dentists at the office came in and talked to me and confirmed that I needed 2 fillings done that day. After she left, I sat for a while. Another new dentist came back and, without any examination, he said due to the size of the cavity, we needed to do a crown. He also said that they had this expensive piece of equipment on site that no one used before to make a crown. So I agreed to the crown since I trusted the dentists opinion. He put the crown on and to adjust my bite, rather than grinding down the tooth with the crown, he ground down on my upper tooth without any anesthesia. After this procedure, I was in so much pain, I was not able to return to work. This pain continued the next day and it was so intense, my boss at work referred me to her dentist. I received an emergency appointment that day to get a 2nd opinion and the dentist there said that he is not a fan of what I got, which is a 3/4 overlay. He adjusted my bite of the tooth with the overlay to see if that helped with the pain and sensitivity. After 4 days, the pain was still consistent, so I called the new dentist again and he said that due to the damage from the 3/4 overlay, I now need a root canal and a full crown, which I am unable to afford since the original 3/4 overlay used up all my health insurance. After talking to friends and family and my new dentist, it seems like the 3/4 overlay procedure was unnecessary and a regular filling would have worked. The dentist that put the 3/4 overlay on wanted me to come back to do another 3/4 overlay where my very first dentist only recommended a basic filling. After getting the 2nd opinion at the new dentist, he said that the proposed 3/4 overlay was not necessary and that a filling will work there.
Obama stepping up his push for health care overhaul with Rose …
Posted by eventline via Top Best Most Health Problems – Google Blog Search
Health Insurance Individual And Family California
Posted by fasterfb via Ka-Boom-It – Submitted news
Gary The health industry propaganda begins. Just remember: the cost of doing nothing is far greater. Without reform, the cost of health care for the average family of four is projected to rise $1,800 every year — and the insurance companies will make more health care decisions. The Democratic bill offers families more choices, including keeping their own doctor and forces insurance to accept pre-existing conditions.
Posted by garydenton via Facebook
In advance, this type of thread highlights the shortcoming of Tumblr as a truly effective platform for fostering what I’ll call community dialogue. ‘Reblogging’ is neat for, and akin to ‘forwarding’, but it’s nothing like a proper ‘Comments’ section in terms of having a post grow legs via the back-and-forth that occurs when people chime in.
We all know ‘Likes’ are fucking worthless.
I’ve added DISQUS to my Tumblog, but it’s not a great fit for the way most Tumblr users work with the site, via the Dashboard. (I subscribe to a few Tumblogs via RSS, as they don’t get overlooked that way). Once a post is a few pages down in one’s history, it’s out of mind. And new comments don’t “bump” a post up the list again. Reblogs can keep a post alive for a while, but if you don’t follow everyone that’s reblogged, you don’t see previous comments. You don’t see the direction the dialogue has taken as the post makes its way across the Tumblr-sphere. You get that with proper comments.
Also, multiple reblogs get sloppy, layout-wise. I don’t like being the third or fourth reblogger on a post where others have already made follow-on comments (vs. simply reblogging an entire post. In those cases, the etiquette is to cite the original poster). Same with longer posts, like Chris’s response below. If we start a back-and-forth, reblog after reblog, we’ll just gum up everyone’s Dashboard. I’m going to respond to a few things below, but I’m not going to like it, and better we just took our conversation to the bar at this point.
Again, a shortcoming…or an intended design. Most people use Tumblr as the late-Aughts version of ‘forwarding’. It does well at that. It’s only when I bump against this functionality wall that I notice. Of course, one never knows which posts will provoke a repsonse from the community.
What I’m saying is…I really need a proper blog already.
Nate, co-opting the New York Magazine Approval Matrix, has it right:
my tumblr is for the low-brow/brilliant things i find in life and on the internets. for high-brow/brilliant, please see my blog.
ohhleary:
mbrosen:
Must-See, I’d say…
Comedian/Satirist Steven Crowder goes to Canada with hidden cameras to give an inside look at the country’s socialized health care at work.
Take the time to watch the whole thing. Just do it, please.
via @andrewbreitbart
Have you ever been to an emergency room in New York City? It’s exactly the same experience. In fact, I had to wait six hours once at Beth Israel on a Sunday, and then I get stuck with a $500 bill in the mail three weeks later – after my insurance covered their share. And try getting your general practitioner to be in his office on a Sunday.
Need background. What was your ailment? What sort of procedures did they perform? What kind of insurance do you have? Copay? Is it through your employer? Purchased individually?
Also, folks, insurance —- privately or publicly provided —- is not meant to make care ‘free’. It’s a hedge against risk, against catastrophy, not a get-out-of-medical-bills-free card.
Again, more details needed.
I’m not a supporter of the Canadian model (I prefer more of the European model that allows for a private option), but characterizing these stories as examples of why socialized medicine is bad for America is incredibly misleading, since bad doctors, long waits, misdiagnoses, drawn-out referrals and hoops to jump through are prevalent in the privatized American health care system, too.
The “Why we don’t need to completely overhaul a system that works for 85% of the population” post will have to come at a later date, but to address your initial response:
“Long waits” is a bit of an understatement, if the circumstances in the video are true. Not to say six hours in the ER in NYC is enjoyable (I’ve done that, too, in New Orleans), but the cases in the clip were simply unnacceptable. No amount of red tape and hoops in the U.S. system would leave one waiting two to three years on a list to get a primary care physician assigned in order to then get a referral for a cholesterol test.
And that’s not a “major” malady…
We’ve all heard some of the ugly facts when it comes to serious cases, whether it’s not enough beds in maternity wards in some hospitals, (Solution: “Just drive to the States”), or early detection/prevention of diseases like cancer made moot by long wait times, lack of proper equipment, or the latest (more expensive) procedures.
Last week, I read a report that American women have a 15% higher breast cancer survival rate than Canadian women due almost solely to early detection. With many aggressive forms of cancers, and with the later stages of others, getting a jump on treatment is the difference between life and death. Cancer doesn’t wait 3-6 months for anyone. If I was Canadian and diagnosed with cancer today, and then told the earliest I could start treatment would be 2010, I wouldn’t wait 3-6 seconds before driving south of the border to start the procedure that might SAVE MY LIFE.
How compassionate…
We’ve all heard the countless anecdotes.
Here’s a fun one:
Stayed with a friend in Melbourne, Australia. His mother told me how she had recently broke her leg (compound fracture) while skiing. She, of course, had immediate emergency care to close the wound, etc. A serious break, however, it required a second procedure to re-set the bone in order to heal properly. The wait to have this procedure done at the local hospital, assigned to them simply based on where they live, through their State-issued healthcare coverage:
“6 months.”
Her: “But, won’t the bones fuse out of place by then?”
Doctor: “____________.”
They fortunately had purchased additional private insurance over and above what they received from the State, ya know, from paying taxes, and she had it done sooner.
Man, what’s not to like?
A few years ago, my father had triple bypass surgery. He chose the doctor, the hospital, the exact date he wanted the procedure done, the color of his sheets…
Nothing is ‘free.’ You go to a ‘free’ health-care provider. Have fun.
And citing the difference in tax rates between a Canadian and an American family while completely ignoring the cost of private health care in the U.S. is absolutely foolish.
The narrative certainly says private insurance is prohibitvely expensive, but go run a search on
http://www.ehealthinsurance.com
and see what comes up. You may be surprised.
Caveat: New Yorkers most likely to be disappointed by the above exercise. New York State has some pretty fakakta rules in place that prevent insurance companies from “age rating,” i.e. offering less expensive plans to younger people vs. older, ya know, how the market actually works based on reality, number of claims, general health, etc.
Basically, for your average 25 year-old, non-student, non-smoker, anywhere in the country, a proper insurance plan can be had for $50-150/month, often with prescription coverage if you require it. And don’t dare tell me that’s prohibitive. Get rid of cable, or don’t buy an iPhone or Blackberry if you’re that strapped. Get fucking health insurance, assholes.
The “narrative” is B.S.
From what I see, the biggest barrier to affordable insurance plans across the country are the artificial state-by-state lines drawn by the government that prevent true competition in the market and essentially grant a few players regional monopolies. Think: cable or regional telephone monopolies. When those services were deregulated, competition increased dramatically and prices fell. Long distance phone rates? Pennies per minute, if not ‘free’ when included in a bundle. You mean to tell me Blue Cross Blue Shield wouldn’t be happy to provide the same $150/month plan to someone in the West Village that they do to someone in Hoboken right across the river? Well, they can’t, and not because they’re evil. It’s because the regulations in this case are not allowing the market to actually work.
Just spoke to a friend who lives outside of New Orleans last week. Self-employed. Married, he and his wife in their 40’s, with two young kids. Told me he pays about $1300/month for the family’s insurance. While on the phone, did a search for him on http://www.ehealthinsurance.com and came up with about 20 options, starting at around $250 and maxing out at $600/month. A far cry from $1300. He nearly threw up.
Also, this guy has the nerve to cite the outrageous price of things in Canada… in the province with one of the highest tax burdens in Canada, of course (Alberta, in contrast, has NO provincial sales tax. And the whole “tax on tax” thing? Half the provinces don’t do that anymore). $3.83 a gallon for gas! $25 for lunch for 3 people at Subway! Oh, but what about the exchange rate? That’ll lower each of those items by about 15%. But why bother making the comparison fair? Like he says, math is for suckers!
Whoever you are… stick to comedy, dude. Leave the criticism of health care to the experts. And, no, I’m not talking about Michael Moore.
With you there. That last bit was a distraction from the impactful stuff in the first half of the video. And the only thing Michael Moore is an expert of is competitive donut eating.
Posted by mbrosen via Tumblr
Mainframe Developer
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Mainframe Developer
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@ybouc + hardship salary adjustments + car/driver + family health insurance + kids’ private school tuitions + housing stipend + other fluff
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