How do you guys handle health insurance? - GoFuckYourself.com

dnsmonster · 08-20-2002, 01:42 PM

I've been self-employed for quite some time and today is the first time I had to go to a doctor. Needless to say I had no health insurance and got royally fucked. How do you guys do it? Are there any policies or providers that you'd suggest?

Gary · 08-20-2002, 01:43 PM

move to canada, our government will take care of you from cradle to grave.

B40 · 08-20-2002, 01:43 PM

Dude my only advice to you is get some!

It might be tax deductible also, depending on your tax laws.

the Shemp · 08-20-2002, 01:45 PM

Quote:

Originally posted by Gary
move to canada, our government will take care of you from cradle to grave.

I did - and its true....

nocostporn · 08-20-2002, 01:45 PM

I let my pornography affiliate programs handle my health plan

come on I know one of you fuckers is going to half to say it

salsbury · 08-20-2002, 01:46 PM

i don't get sick. and if i do, i let the doctor take one of my organs as payment. it usually works out in my favor.

gothweb · 08-20-2002, 01:47 PM

I took care of mine by living in the UK. Not that the NHS is the best system to have to deal with, but frankly, it's better than a fricking HMO. Yeuch.

Sly_RJ · 08-20-2002, 01:47 PM

All my ARS sales are really paying off. Thanks guys!

dacash · 08-20-2002, 01:47 PM

i got to the doctor every week, because it's include in the I AM CANADIAN package, but i make sure that htey don't make money with me on my Income taxe.

So if i have a headache, ER

if i feel odd, ER

If i feel Down, ER

so the goverment doesn't make money with me

mrthumbs · 08-20-2002, 01:47 PM

Move your traffic to ars... if you need a ref id.. give me
a few minutes to sign up..

salsbury · 08-20-2002, 01:50 PM

heh. "dacash's healthcare plan is sponsored by.... Molson's Canadian"

mrthumbs · 08-20-2002, 01:50 PM

Quote:

Originally posted by dacash

So if i have a headache, ER

if i feel odd, ER

If i feel Down, ER

so the goverment doesn't make money with me

Pretty awesome stuff for a canadian.. and you're right.

Gemini · 08-20-2002, 01:52 PM

Look in the want ads and call some doctor offices. Most areas have coalitions of self employed people that band together to get good rates on health and life insurance.

Its sort of like getting company coverage but naturally you have to pay the 'company half' yourself, which IS tax deductible as long as you have some form of a company and pay yourself a wage-salary from the company accounts etc. Then you usually can write off your own contribution on your personal tax forms.

You save a good deal but it still runs more than if you worked for some other company. You can also work as a temp and get to have coverage in some cases as part time. You could call them and ask if they offer full coverage for PT workers. Work 2 days then the next week 3 days in one factory or another. Helps to get you out of the house as well.

damac · 08-20-2002, 01:52 PM

I'm in the us and I would advise you to get insurance. Look for providers in your local area.

This adult game has almost killed me I believe, from being stuck inside the house and neglecting my body. All sorts of health problems sprung up and I realised I was killing myself with the bad eat, exercise and sleeping habits.

I finally just got insurance a couple months ago after an appeal and am still getting worked over with tests cause of some problems. I'm lucky I guess cause I already had some conditions. I would suggest you get insurance asap before something bad happens. Hospitilizations costs alone could cost a ton of money.

Also my tax guy said something like 60% of the premiums for insurance are tax deductable. I'm in my 20's and got insurance at a place called kaiser for only $123 /month. I only pay a small fee per prescription and office visit. Everything else is covered.

Honeyslut · 08-20-2002, 02:03 PM

Kaiser will kill ya... Lost my dad at 43 cause of those bastards.

Blue shield hmo is starting to suck.

Any suggestions in California ?

quiet · 08-20-2002, 02:05 PM

Quote:

Originally posted by Gary
move to canada, our government will take care of you from cradle to grave.

yup

salsbury · 08-20-2002, 02:19 PM

seriously, all insurance companies suck. take care of yourself and try to see them as little as possible. that should be your goal, imo, rather than finding a cheap way to see them.

Sly_RJ · 08-20-2002, 02:23 PM

Quote:

Originally posted by salsbury
seriously, all insurance companies suck. take care of yourself and try to see them as little as possible. that should be your goal, imo, rather than finding a cheap way to see them.

Such a great plan you have here.

Killerelf · 08-20-2002, 02:23 PM

I know of one company that specializes in heath insurence for self-employed people. I don't remember the name though. they were cheap though so i will find the name.

Joe Sixpack · 08-20-2002, 02:28 PM

Socialised medicine works and should be adopted everywhere.
We have it in Australia as well and the bottom line is that everyone is guaranteed heathcare... and thats the way it should be.

salsbury · 08-20-2002, 02:36 PM

Quote:

Originally posted by Sly_RJ

Such a great plan you have here.

it works, works better than health insurance too. health insurance that has a $100 deductable when you never get sick anyways, meaning they cover exactly jack shit.

i have health insurance through an employer, but i've used it once in two years (saw a doctor about 5 years ago before then). but i had to pay because of the deductable.

and in any case, rather than me feeding in to the problem with health care (overpriced perscription drugs, true costs hidden from customers, which helps to keep the costs so high - amongst other problems) i am healthy instead.

Sly_RJ · 08-20-2002, 02:43 PM

Quote:

Originally posted by salsbury

and in any case, rather than me feeding in to the problem with health care (overpriced perscription drugs, true costs hidden from customers, which helps to keep the costs so high - amongst other problems) i am healthy instead.

You're healthy now bro, but it might not always stay that way. Over my lifetime I've probably racked up $200k in medical bills, hell I can't even get insurance. Thank God insurance companies pay for kids while they're still students. Don't know what I'll do next year...

But anyway, paying $100 a month is nothing compared to owing the hospitals thousands upon thousands of dollars. It might not happen to you, but then again it just might... it's a major gamble that is not needed, a gamble that could really fuck up your life.

RATBOY · 08-20-2002, 02:49 PM

Salsbury is going to be the first of us to need triple bypass surgery. Hope you've been saving!

jimmy3way · 08-20-2002, 03:23 PM

Push ups in the morning, bike ride to linch, salad for lunch. Beer for dinner, haven't been to a doctor in 18 years.

BrettJ · 08-20-2002, 10:12 PM

vitamin c, red meat, potatoes, and red wine

BobChezule · 08-20-2002, 10:24 PM

You've gotta get yourself health insurance. If you come down with something serious you are ass fucked. You're bank account will be drained before you blink. Hospital rooms cost more than a fucking four star hotel. I've been self employed for a year now and I use Blue Cross. I've had numerous doctor's appointments to take care of various ailments and having the plan has been well worth the premiums paid. Whatever you do, don't get an HMO plan, they are cocksuckers.

Adult Revenue Service also provides health insurance. They'll actually pay your premiums if you reach a certain level of sales per month, which is pretty badass. There's probably a catch somewhere in there, but I haven't joined so I don't know what it is. Make sure you get some health insurance, because doctors and hospitals have no problem assraping you for money. You need an insurance company to take that pounding for you.

Bob Chezule

SykkBoy · 08-20-2002, 10:54 PM

www.nase.org

Bree · 08-20-2002, 11:13 PM

That's why I have another job.. I'm diabetic. It'd cost about $600/mo for insurance if I bought it independently ... I tried. Otherwise I'd quit the day job.

Clay · 08-20-2002, 11:33 PM

I have insurance now but when I didn't I went on something called free care with a major hospital. You show them your last 2 check stubs and if it's low enough they will give you free care. It's only for emergencies and prescriptions aren't covered, but thats better than nothing.

maybe a hospital in your area offers that.

Or just get a job with benefits, quit after a week and go on Cobra.

hyper · 08-20-2002, 11:48 PM

every state has negotiated rates with all the major medical providers.
you dont have to be poor to get them ..
just contact the state insurance department..

Canada's health care will fuck you up..
my neighbor's kid almost died
because he had medical emergency while on vacation and Canada has shitty wannabe doctors.

Deb · 08-21-2002, 02:15 AM

Quote:

Originally posted by Clay
Or just get a job with benefits, quit after a week and go on Cobra.

Nope, that's not a good option either. I had a job where I had been there for three years, only paid $42.00 a month (that was my "employeee contribution") for full family coverage (both dental & medical) and when I quit and applied for Cobra, they told me it would cost me $620.00 per month for insurance coverage - and that was only for me. That didn't cover the dental either.

Luckily, my husband wound up changing jobs and getting better health insurance so we're covered again. The healthcare system in the US sucks. You work hard all of your life and in alot of cases, you have inadequate or no health insurance at all. Something's definately wrong with this picture.

12clicks · 08-21-2002, 05:18 AM

Sadly, we pay health insurance for all of our employees.

ldinternet · 08-21-2002, 05:42 AM

http://www.doh.gov.uk/

Hide in the back of a truck heading for Folkestone. The government will feed and house you and family of 25.

Anyway, the prices are super high here due to insane amount of tax (Northern Ireland introduced a tax on plastic grocery bags).

Of course everyone hopes that they'll be fine, but if something fucks up, then the money spent on taxes eventually comes full circle and ends up paying for your heart, liver, pancreas, whatever transplant. The NHS is supposed to be in a bad state, so it is still best to search for private health care.

On a side note - looking at the transplant costs in the USA, I wouldn't like to be an average 9-5 guy that suddenly gets sick without health insurance. Not many average citizens have that kind of money stashed under their matress:

Heart, $50,000 - $300,000, average: $150,000
Liver, $70,000 - $370,000, average: $235,000
Pancreas, $50,000 - $135,000, average: $70,000

08-20-2002, 01:42 PM	#1
dnsmonster Confirmed User Join Date: Jul 2002 Location: A warm place. Posts: 634	How do you guys handle health insurance? I've been self-employed for quite some time and today is the first time I had to go to a doctor. Needless to say I had no health insurance and got royally fucked. How do you guys do it? Are there any policies or providers that you'd suggest? __________________ I couldn't possibly know what I'm talking about, I'm completely, absolutely and definitively out of my fucking mind.

08-20-2002, 01:43 PM	#2
Gary Confirmed User Join Date: Aug 2001 Location: Kimmykims couch Posts: 6,110	move to canada, our government will take care of you from cradle to grave. __________________ Up to 35$ per join...!

08-20-2002, 01:43 PM	#3
B40 Confirmed User Join Date: Jul 2001 Posts: 7,020	Dude my only advice to you is get some! It might be tax deductible also, depending on your tax laws. __________________

08-20-2002, 01:45 PM	#5
nocostporn Confirmed User Join Date: Mar 2002 Location: Maryland Posts: 5,228	I let my pornography affiliate programs handle my health plan come on I know one of you fuckers is going to half to say it __________________ CashTheChecks.com -coming soon- "Exclusive sites for Exclusive Webmasters" ICQ-119966868,add me first don't message

08-20-2002, 01:46 PM	#6
salsbury Confirmed User Join Date: Feb 2002 Location: Seattle Posts: 1,070	i don't get sick. and if i do, i let the doctor take one of my organs as payment. it usually works out in my favor. __________________

08-20-2002, 01:47 PM	#7
gothweb Confirmed User Join Date: Jun 2002 Location: Back in the USSA Posts: 8,849	I took care of mine by living in the UK. Not that the NHS is the best system to have to deal with, but frankly, it's better than a fricking HMO. Yeuch. __________________ Photos by Ian X.: Distinctive photos of goth babes. Blood Money:Your traffic, my sites, our money. MojoHost: Still the best.

08-20-2002, 01:47 PM	#8
Sly_RJ Live Hard - Die Hard Join Date: Feb 2002 Location: Ready to leave... Posts: 17,042	All my ARS sales are really paying off. Thanks guys! __________________ PHAT SERVERS - Quality dedicated hosting at a quality price! sly AT phatservers DOT com - 147479144

08-20-2002, 01:47 PM	#9
dacash Confirmed User Join Date: Jul 2002 Location: some where in a basement Posts: 609	i got to the doctor every week, because it's include in the I AM CANADIAN package, but i make sure that htey don't make money with me on my Income taxe. So if i have a headache, ER if i feel odd, ER If i feel Down, ER so the goverment doesn't make money with me __________________ ____________ Marc

08-20-2002, 01:47 PM	#10
mrthumbs salad tossing sig guy Join Date: Apr 2002 Location: mrthumbs*gmail.com Posts: 11,702	Move your traffic to ars... if you need a ref id.. give me a few minutes to sign up..

08-20-2002, 01:50 PM	#11
salsbury Confirmed User Join Date: Feb 2002 Location: Seattle Posts: 1,070	heh. "dacash's healthcare plan is sponsored by.... Molson's Canadian" __________________

08-20-2002, 01:52 PM	#13
Gemini Confirmed User Join Date: Jan 2001 Location: o-HI-o Posts: 7,183	Look in the want ads and call some doctor offices. Most areas have coalitions of self employed people that band together to get good rates on health and life insurance. Its sort of like getting company coverage but naturally you have to pay the 'company half' yourself, which IS tax deductible as long as you have some form of a company and pay yourself a wage-salary from the company accounts etc. Then you usually can write off your own contribution on your personal tax forms. You save a good deal but it still runs more than if you worked for some other company. You can also work as a temp and get to have coverage in some cases as part time. You could call them and ask if they offer full coverage for PT workers. Work 2 days then the next week 3 days in one factory or another. Helps to get you out of the house as well.

08-20-2002, 01:52 PM	#14
damac Confirmed User Join Date: Oct 2001 Posts: 81	I'm in the us and I would advise you to get insurance. Look for providers in your local area. This adult game has almost killed me I believe, from being stuck inside the house and neglecting my body. All sorts of health problems sprung up and I realised I was killing myself with the bad eat, exercise and sleeping habits. I finally just got insurance a couple months ago after an appeal and am still getting worked over with tests cause of some problems. I'm lucky I guess cause I already had some conditions. I would suggest you get insurance asap before something bad happens. Hospitilizations costs alone could cost a ton of money. Also my tax guy said something like 60% of the premiums for insurance are tax deductable. I'm in my 20's and got insurance at a place called kaiser for only $123 /month. I only pay a small fee per prescription and office visit. Everything else is covered.

08-20-2002, 02:03 PM	#15
Honeyslut Confirmed User Industry Role: Join Date: Jan 2001 Location: Ass Valley, Ca Posts: 6,436	Kaiser will kill ya... Lost my dad at 43 cause of those bastards. Blue shield hmo is starting to suck. Any suggestions in California ? __________________ http://nakedlunchnews.comWhat's up ? Naked Lunch News !

08-20-2002, 02:19 PM	#17
salsbury Confirmed User Join Date: Feb 2002 Location: Seattle Posts: 1,070	seriously, all insurance companies suck. take care of yourself and try to see them as little as possible. that should be your goal, imo, rather than finding a cheap way to see them. __________________

08-20-2002, 02:23 PM	#19
Killerelf Confirmed User Join Date: Jan 2001 Posts: 367	I know of one company that specializes in heath insurence for self-employed people. I don't remember the name though. they were cheap though so i will find the name. __________________ I am not allowed to tell you anything that I feel like telling you

08-20-2002, 02:28 PM	#20
Joe Sixpack So Fucking Banned Join Date: Jul 2002 Location: Australia Posts: 3,793	Socialised medicine works and should be adopted everywhere. We have it in Australia as well and the bottom line is that everyone is guaranteed heathcare... and thats the way it should be.

08-20-2002, 02:49 PM	#23
RATBOY Confirmed User Join Date: May 2002 Location: Seattle, WA Posts: 1,592	Salsbury is going to be the first of us to need triple bypass surgery. Hope you've been saving!

08-20-2002, 03:23 PM	#24
jimmy3way Confirmed User Join Date: Sep 2001 Location: Top Secret Hideout Posts: 2,508	Push ups in the morning, bike ride to linch, salad for lunch. Beer for dinner, haven't been to a doctor in 18 years. __________________ One thing, I forgot this last detail: the Biz Markie will always prevail.

08-20-2002, 10:12 PM	#25
BrettJ ol' timer Industry Role: Join Date: Jan 2001 Location: Seattle WA Posts: 4,715	vitamin c, red meat, potatoes, and red wine

08-20-2002, 10:24 PM	#26
BobChezule Confirmed User Industry Role: Join Date: Aug 2002 Location: New York Posts: 779	You've gotta get yourself health insurance. If you come down with something serious you are ass fucked. You're bank account will be drained before you blink. Hospital rooms cost more than a fucking four star hotel. I've been self employed for a year now and I use Blue Cross. I've had numerous doctor's appointments to take care of various ailments and having the plan has been well worth the premiums paid. Whatever you do, don't get an HMO plan, they are cocksuckers. Adult Revenue Service also provides health insurance. They'll actually pay your premiums if you reach a certain level of sales per month, which is pretty badass. There's probably a catch somewhere in there, but I haven't joined so I don't know what it is. Make sure you get some health insurance, because doctors and hospitals have no problem assraping you for money. You need an insurance company to take that pounding for you. Bob Chezule

08-20-2002, 10:54 PM	#27
SykkBoy Jesus loves bacon Industry Role: Join Date: Feb 2001 Location: Sin City, Motherfucker Posts: 19,969	www.nase.org __________________ Support my new movie “The Second Coming”

08-20-2002, 11:13 PM	#28
Bree Registered User Industry Role: Join Date: Aug 2002 Location: meh Posts: 356	That's why I have another job.. I'm diabetic. It'd cost about $600/mo for insurance if I bought it independently ... I tried. Otherwise I'd quit the day job.

08-20-2002, 11:33 PM	#29
Clay Confirmed User Join Date: Dec 2001 Posts: 735	I have insurance now but when I didn't I went on something called free care with a major hospital. You show them your last 2 check stubs and if it's low enough they will give you free care. It's only for emergencies and prescriptions aren't covered, but thats better than nothing. maybe a hospital in your area offers that. Or just get a job with benefits, quit after a week and go on Cobra.

08-20-2002, 11:48 PM	#30
hyper Confirmed User Join Date: Mar 2002 Location: Mass Ass Posts: 5,294	every state has negotiated rates with all the major medical providers. you dont have to be poor to get them .. just contact the state insurance department.. Canada's health care will fuck you up.. my neighbor's kid almost died because he had medical emergency while on vacation and Canada has shitty wannabe doctors. __________________

08-21-2002, 05:18 AM	#32
12clicks Too lazy to set a custom title Industry Role: Join Date: Jan 2001 Location: God's right hand Posts: 19,789	Sadly, we pay health insurance for all of our employees. __________________ I'm not a dinosaur, I'm a crocodile. I've seen dinosaurs come and go and I'm left unimpressed.

08-21-2002, 05:42 AM	#33
ldinternet Confirmed User Join Date: Apr 2001 Posts: 8,245	http://www.doh.gov.uk/ Hide in the back of a truck heading for Folkestone. The government will feed and house you and family of 25. Anyway, the prices are super high here due to insane amount of tax (Northern Ireland introduced a tax on plastic grocery bags). Of course everyone hopes that they'll be fine, but if something fucks up, then the money spent on taxes eventually comes full circle and ends up paying for your heart, liver, pancreas, whatever transplant. The NHS is supposed to be in a bad state, so it is still best to search for private health care. On a side note - looking at the transplant costs in the USA, I wouldn't like to be an average 9-5 guy that suddenly gets sick without health insurance. Not many average citizens have that kind of money stashed under their matress: Heart, $50,000 - $300,000, average: $150,000 Liver, $70,000 - $370,000, average: $235,000 Pancreas, $50,000 - $135,000, average: $70,000