BUT, you have a family with a little baby and no insurance? Thats a no-no. You should look into that right away. At least get insurance for your baby.
yeah yeah i know
you sound like my father lol
hey we have gerber life insurance on her for when she gets older :P
I have pamplets laying around - but all the companys i am lookin at barely pay anything and cover praticly ZERO hospital stays
the tubes are suppose to drain extra fluid out of the ears
not sure on the whole thing
I just ran a search for family plans assuming I had a wife and baby, found packages starting at around $125 monthly. Of course you'll need to find a package that fits your family best. Not having insurance when you have a small child is just plain stupid. You would hate yourself if something came up and she couldn't get proper treatment because you never bought insurance.
Damn I should become an insurance salesman, haha.
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my daugther ( 10 months old 11months on the 12th ) has to get tubes in her ears due to constant ear infections :/
times i wish i had insurance lol
Dude you don't know me but get a second opinion and then a third if you have to. Lots of babies get ear infections often especially when you get water in their ear. Tubes "aren't a big deal" but they aren't a walk in the park either. You have the internet in front of you, do some research.
Having kids before you can afford insurance??? That is pretty retarded...
uhhh no where have i ever said I cant afford insurance
lol
i'll be fine paying for this - it would of been alot cheaper if i had insurance
that is all i was stating lol
my hearing is kinda slighty fucked up from scarring and I have a hole in my inner ear that wont close, so when water gets in there it hurts like a bitch.
tubes suck ass
Often times I wonder why
There's love and hate, theres live or die.
When sickness comes I must decide:
When feelings go, theres suicide.
my hearing is kinda slighty fucked up from scarring and I have a hole in my inner ear that wont close, so when water gets in there it hurts like a bitch.
tubes suck ass
And aren't neccessary 99% of the time. I hate doctors like you hate the police.
I just ran a search for family plans assuming I had a wife and baby, found packages starting at around $125 monthly. Of course you'll need to find a package that fits your family best. Not having insurance when you have a small child is just plain stupid. You would hate yourself if something came up and she couldn't get proper treatment because you never bought insurance.
Damn I should become an insurance salesman, haha.
Thnx for that link
looked up some policys
alot of em only will cover like 25% of the hospital bill that i am gonna get
but i guess in the future it might save me
found a decent plan for 115$ a month i like that will cover the wife and I plus our daugther
Thnx for that link
looked up some policys
alot of em only will cover like 25% of the hospital bill that i am gonna get
but i guess in the future it might save me
found a decent plan for 115$ a month i like that will cover the wife and I plus our daugther
dude how many kids you got?
damn man. i thought i had my hands full.
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Man I'm telling you do some research. I know it's banged into everyone to trust doctors but they don't give 2 shits about you. Tubes are hardly ever needed and they can cause problems you don't want to be responsible for.
Man I'm telling you do some research. I know it's banged into everyone to trust doctors but they don't give 2 shits about you. Tubes are hardly ever needed and they can cause problems you don't want to be responsible for.
i know you dont want to hear it but i trust the doctor we are seeing lol
he handles all my mom and dads foster children who are all mentally challenged so i know he is a great doctor and would not just fly off and suggest shit that can be avoided
i know you dont want to hear it but i trust the doctor we are seeing lol
he handles all my mom and dads foster children who are all mentally challenged so i know he is a great doctor and would not just fly off and suggest shit that can be avoided
It's in their blood. They are taught a certain way all of their life so yeah they believe what they are saying. If you spent 5 minutes online you might reconsider this blind trust that can cause permanent damage. It's sort of like doctors telling you to give your kid tylenol and aspirin for fever that isn't dangerous. It shuts you up so who cares if it can make your kid retarded or kill them from time to time.
If you aren't doing the insurance route, I suggest getting a package that only covers emergency. It is usually cheap but has a high deductible and only covers major things. In any case, it is a nice security blanket in case something bad happens to you and you end up with a six figure hospital stay.
It's in their blood. They are taught a certain way all of their life so yeah they believe what they are saying. If you spent 5 minutes online you might reconsider this blind trust that can cause permanent damage. It's sort of like doctors telling you to give your kid tylenol and aspirin for fever that isn't dangerous. It shuts you up so who cares if it can make your kid retarded or kill them from time to time.
Your kid your life.
lol are you kidding me man ?
she is almost one year old now - this has been an issue for almost half of her life already and the pain wont go away
I think by doing this - it is going to HELP HER
sorry what else can I do ?
find some voodoo preist or buy some merical cure all natural herbs from west african plans and villages?
No - I will do what I know will releave her of the pain by someone that I know and trust.
lol are you kidding me man ?
she is almost one year old now - this has been an issue for almost half of her life already and the pain wont go away
I think by doing this - it is going to HELP HER
sorry what else can I do ?
find some voodoo preist or buy some merical cure all natural herbs from west african plans and villages?
No - I will do what I know will releave her of the pain by someone that I know and trust.
Like I said, your ass not mine. But since you asked what you could do for starters you could look into it and find out that it's COMMON and that parents and doctors overreact to it in most cases. You could also look at what sticking tubes into your kids eardrums could do long term vs what ear infections that are treated could do long term. You know, research before you blindly put your child under the knife. Since you seem to have zero interest in any possibility she doesn't need them go ahead and get them. Hope nothing goes wrong so she won't blame you for the rest of your life.
...hey we have gerber life insurance on her for when she gets older :P...
I assume you mean you have life insurance policies on you and your wife that will go to her as there is no reason to have a life insurance policy on her.
About the tubes, my son was advised by an ear/nose/throat doc to have it done, which he did when he was about one and no probs and rarely any ear infections after that.
About the ehealthinsurance, I use them...for self employed they suck generally. Don't go with the cheap ass one, pay at least $500 a month for family otherwise the coverage/deductables are pathetic.
I assume you mean you have life insurance policies on you and your wife that will go to her as there is no reason to have a life insurance policy on her.
About the tubes, my son was advised by an ear/nose/throat doc to have it done, which he did when he was about one and no probs and rarely any ear infections after that.
About the ehealthinsurance, I use them...for self employed they suck generally. Don't go with the cheap ass one, pay at least $500 a month for family otherwise the coverage/deductables are pathetic.
No OzMan i have the policy on her to help with any final cost for god sake anything ever happens to her.....
we pay like 50 bux i month i think and it will pay up to 25,000$ in final cost and at the age of 21 she gets 15,000$ for college or some crap like that
Like I said, your ass not mine. But since you asked what you could do for starters you could look into it and find out that it's COMMON and that parents and doctors overreact to it in most cases. You could also look at what sticking tubes into your kids eardrums could do long term vs what ear infections that are treated could do long term. You know, research before you blindly put your child under the knife. Since you seem to have zero interest in any possibility she doesn't need them go ahead and get them. Hope nothing goes wrong so she won't blame you for the rest of your life.
Cheers.
bro you want me to wrap her in a fucking bubble?
I had tubes when I was a baby
my wife had em
her sister had em
it is a common thing in our family .....
I have LOOKED INTO IT
EVERYTHING you do has risk
Hell me taking her out shopping has a risk of some sick fuck kidnapping her right from me
Me letting her crawl around the carpet and letting her pull her self up on things and falling down has risk
You are one of those people who look at the bad thing of everything dont you ?
No OzMan i have the policy on her to help with any final cost for god sake anything ever happens to her.....
we pay like 50 bux i month i think and it will pay up to 25,000$ in final cost and at the age of 21 she gets 15,000$ for college or some crap like that
my wife did it up
Final cost? What are you talking about? You mean if she dies you have insurance on her to help cover any expenses?
Having life insurance on a baby but not health insurance is pretty weird. Actually its kind of creepy.
Another thing, $50 a month is $600 a year. Multiple that by 20 years and you have $12,000. So essentially you're sticking in $12k to get back $15k, there are much better ways to invest the money with better returns. Hell I think a basic savings account would yield higher returns.
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Final cost? What are you talking about? You mean if she dies you have insurance on her to help cover any expenses?
Having life insurance on a baby but not health insurance is pretty weird. Actually its kind of creepy.
Another thing, $50 a month is $600 a year. Multiple that by 20 years and you have $12,000. So essentially you're sticking in $12k to get back $15k, there are much better ways to invest the money with better returns. Hell I think a basic savings account would yield higher returns.
the plan was given to us as a gift from my father and step mom
they paid so many years onto it and they told us we had to keep paying monthly so we are
here is the break down
i was pretty damn wrong on my numbers lol
$30,000 is what she has now
at age 21 providing no drug abuse and a list of other shit it doubles
and at age 28 it goes to 300k
and it always builds cash value
you can read about it at www.gerberlife.com
I had to get tubes twice - once when I was very young and again around 8 or 9. They're not really a big deal, but they told me not to get any water in my ears so I wore earplugs when bathing.
As for getting a second/third opinion, I would have to agree. I ended up seeing some of the top specialists which decided to go with the surgery.
I think you'd be much better off taking that $50/month you're spending on the life plan and upgrading your health insurance from that $115 plan you are considering. Get a decent health insurance plan or you'll end up paying far more in the long run.
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Please be carefull my god daughter had them put in and everything was just fine at first, then the probs came. The tubs dislodged and one had moved to her inner ear about 3-4 years after, she then went to the Dr. and they "couldn't find the tubes" I don't get that but hey I'm not a Dr. She then went for about 2 years with no probs and then boom she had to have her adenoses and something else removed. Then a year affter that hey found the tube as she had to have her inner ear operated on again for the 2nd time. Now she has lost all hearing now. So please don't ruch to do this IMO. I would hate to have you and her to end up with the same probs.
Please be carefull my god daughter had them put in and everything was just fine at first, then the probs came. The tubs dislodged and one had moved to her inner ear about 3-4 years after, she then went to the Dr. and they "couldn't find the tubes" I don't get that but hey I'm not a Dr. She then went for about 2 years with no probs and then boom she had to have her adenoses and something else removed. Then a year affter that hey found the tube as she had to have her inner ear operated on again for the 2nd time. Now she has lost all hearing now. So please don't ruch to do this IMO. I would hate to have you and her to end up with the same probs.
my daugther ( 10 months old 11months on the 12th ) has to get tubes in her ears due to constant ear infections :/
times i wish i had insurance lol
I had tubes when I was a kid for the exact same reason. No big deal but I remember going into the hospital and going to sleep after I got a shot. Not bad but I can also remember the doctor taking them out and that sort of sucked. Basically a pair of pliers in your ear and some blood, at least in my case.
I hope she does fine and does not remember a thing. I think I was about 6 years old when that happend.
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