People with NO INSURANCE
 

Big controversy.

I have no insurance since I'm off my parents last year. Last night I got smashed in the fuckin eye and my fuckin eyebaall or something is bleeding. What do I do?


I'm undecided on this government insurance shit but I think it sounds good for all the un insured mother fuckers like me right now.

Depends on how often you have a need for the insurance...if not often you can pay a low monthly fee with a high deductible. If you plan to use it often then a higher monthly fee offers a lower deductible.

The only reason I have health insurance is because I decided to add myself to the plan I got for my kids. Otherwise I don't use if often enough and always just paid the visit fee out of pocket.

No idea what the dumbass president is trying to offer, but I don't believe in plans that are based on the tax dollars of hard working people.

Yeah good idea. Wait for Obamacare to kick in before you have a doctor look at it.

What should I do about my bleeding eyeball right now????????????

move to canada

if you're poor and live in the usa and need medical help, you're fucked.

Go to the hospital, they have to treat you.

You will get billed later for it, what you do with that bill is up to you. You could also try a free clinic, but since it's your EYE, I would be going to the hospital.

It works for all the illegal Mexicans, it will work for you too. It just won't be cheap.

That's the whole problem. The poor don't get any preemptive medical treatment.

That is EXACTLY what I have to do with my Teeth Shit :Oh crap, shitty thing is, all I need them to do is write me two scripts lol.

But go to the ER, get treated, get a bill in a week or two (sometimes less) be prepaired to get at LEAST a $500.00 bill though (depending on what they do to ya)

I get socked with about a $400 bill every few months, I'm lucky though the local hospital DOES NOT send to collections and as long as I send um a few bucks each month they stay off my ass.

Now in Petoskey is a whole diff story, my ex was over there for a weekend, got a whicked ear infection, she went to their ER, (got a painkiller and a script wrote) and they socked her with a $1,500 bill and GARNISHED her paycheck for the bill :1orglaugh

Really all depends on your hospital I guess.

I still find it better to do it my way then to fork out the money for insurance (most won't cover my dental cause it's HARSH and pre-existing :( )

My alternative is the "walk-in clinic" where I gotta pay $150.00 upfront to get them to write the two scripts I need, THEN pay the $75.00 for the scripts, AND my teeth infection better not hit me after 6pm or I can't go to the walk-in lol

Shitty thing, I just had to go to the ER on Monday, the pills have not fully kicked in yet so I've been in SERIOUS PAIN for the last few days :(

-Loki-

So why did they refuse to treat my friend in the US?

And why is life expectancy so poor in the US? I imagine it's largely those who turned down.

Alsp if they treated you for free then chased the bill a lot of people would not get insured,

Only private hospitals can turn you down. No public hospital turned your friend down. They don't turn illegals down, you don't even have to speak...

Life expectancy is right up with any other Country, I don't know why you think it's so poor.

And hospitals bill you after you stay. If you gave them the wrong info, they couldn't bill you. Lots of people skip out on the bills, that's why hospitals like this rely on donations and your taxes.

i agree!

Probably went to a private hospital.

It's a god damn crime that any hospital would turn down anyone.

Not true.. Find a doctor and talk with them about going cash.. Be honest tell them what you can afford.. 50$ In their pocket cash and not having to lose any to some company is something they like and something you will see more and more doing.


Hell the fucking doctors here are making a killing.. Visit is 40$ They are usually partial owners in the labs and or partial owners in the pharmacy.

I just started seeing a family doctor a few weeks ago. Went in talked to him for 10 minutes, got my script, paid $250 in cash.

He wants to do an EKG on my next visit.. wonder what that is going to cost.

Get your own insurance, it's not that expensive usually if you shop around and actually do some work.

Since your in Michigan, pick up Blue Cross / Blue Shield. I pay $442 per month for my entire family and they pay 70%, I pay 30% of my medical bills and perscriptions. I'm sure for a single guy, it can't be too pricey.

Not always cheap. I had a plan like that with a $5000 deductible because I rarely see a doctor and it still cost me over $100 a month. Over $1200 a year for what? If I actually got sick enough to use the insurance I'm out $5000 before the insurance kicks in.


That's tard answer. You have ZERO clue as to how things work. When someone like the OP who has no insurance needs to go to the doctor they go to the ER which is really expensive they typically don't have money to pay the bill. Who pays? YOU. People without insurance get a little sick and don't go to the doctor when it would be a easy cheap fix, then because they waited they get REALLY sick and need hospitalization. Once again they are broke they have no cash. Who pays their bill? YOU. Anyone with half a brain would realize it's CHEAPER to help these people go to the doctor instead of paying for thier hospitalization or needless ER visits. Do you think the hospital is eating these cost? No. They charge higher rates to insurance companies and paying patients. YOUR insurance company isn't going to eat these higher costs they are going to increase your premium. So "hard working" people are already paying for the health care of those without insurance. Except they are paying MORE than they would if those people had some kind if insurance. Also The only people effected by any increase taxes would be those making over $250K. It never ceases to amaze me by people that care so much about millionaires and billionaires and thier taxes and couldn't give a rats ass about poorer people. As if the rich need your sympathy or help nor would they appreciate it nor would they care about YOUR problems.


Besides no has said people would get FREE insurance. I think the haters and dipshits don't do much research.

For example our state has state health insurance for ALL children. That doesn't mean that parents get FREE health insurance for their kids. At a minimum there are co-pays. Also since 90% of our state income is derived from sales taxes, parents are technically paying for the insurance since nearly everything you buy including food is subject to sales tax.

Excellent advise.

I told you before that he could have been treated and not paid the bill...but just pay a token amount at the bill. If your friend told you anything different then your friend is lying. In addition you are correct...that is one reason people do not get insurance...and it is also a primary reason for high medical costs...people not paying the bill or even at the bill.

The fact remains that anyone in the U.S. that needs treatment...they will be treated...with or without insurance...and with or without money...and with or without payment.

Maybe because it is ..... ( oups ..... soory the rain on your party ).

1 JAPAN 82.1
2 SINGAPORE 81.9
3 CANADA 81.2
4 FRANCE 80.9
5 SWEDEN 80.7
6 SWITZERLAND 80.7
7 AUSTRALIA 80.7
8 ISRAEL 80.6
9 ICELAND 80.6
10 NEW ZEALAND 80.2
11 ITALY 80.1
12 MONACO 80
13 SPAIN 79.9
14 NORWAY 79.8
15 GREECE 79.5
16 AUSTRIA 79.4
17 MALTA 79.3
18 NETHERLANDS 79.3
19 LUXEMBOURG 79.2
20 GERMANY 79.1
21 BELGIUM 79.1
22 UNITED KINGDOM 78.9
23 FINLAND 78.8
24 JORDAN 78.7
25 BOSNIA/HERZEG 78.3
26 CYPRUS 78.2
27 UNITED STATES 78.1
28 DENMARK 78.1
29 IRELAND 78.1
30 PORTUGAL 78
31 ALBANIA 77.8
32 KUWAIT 77.5
33 SOUTH KOREA 77.4
34 COSTA RICA 77.4
35 CUBA 77.3
36 CHILE 77.2
37 LIBYA 77.1
38 ECUADOR 76.8
39 SLOVENIA 76.7
40 CZECH REP 76.6
41 ARGENTINA 76.5
42 GEORGIA 76.5
43 URUGUAY 76.1
44 SAUDI ARABIA 76.1
45 UNITED ARAB EMIRATES 75.9
46 MEXICO 75.8
47 PARAGUAY 75.6
48 TUNISIA 75.6
49 BRUNEI 75.5
50 POLAND 75.4
51 DOMINICA 75.3
52 SERBIA/MONTEN 75.3
53 SLOVAKIA 75.2
54 PANAMA 75.2
55 CROATIA 75.1
56 SRI LANKA 75
57 BAHRAIN 74.9
58 LITHUANIA 74.7
59 QATAR 74.4
60 SAINT VINCENT 74.3
61 SAINT LUCIA 74.3
62 OMAN 73.9
63 ALGERIA 73.8
64 MAURITIUS 73.8
65 JAMAICA 73.6
66 SURINAME 73.5
67 VENEZUELA 73.5
68 SOLOMON ISLANDS 73.4
69 LEBANON 73.4
70 DOMINICAN REP 73.4
71 BARBADOS 73.2
72 CHINA 73.2
73 HUNGARY 73.2
74 TURKEY 73.1
75 MALAYSIA 73
76 ST. KITTS 72.9
77 THAILAND 72.8
78 BULGARIA 72.8
79 ANTIGUA AND BARBUDA 72.7
80 SEYCHELLES 72.6
81 ESTONIA 72.6
82 COLOMBIA 72.5
83 BRAZIL 72.5
84 ARMENIA 72.4
85 NORTH KOREA 72.2
86 ROMANIA 72.2
87 EL SALVADOR 72.1
88 LATVIA 71.9
89 EGYPT 71.9
90 SAMOA 71.6
91 MOROCCO 71.5
92 VIET NAM 71.3
93 CAPE VERDE 71.3
94 NICARAGUA 71.2
95 PALAU 71
96 SYRIA 70.9
97 MARSHALL ISL 70.9
98 IRAN 70.9
99 PHILIPPINES 70.8
100 MICRONESIA 70.7
101 MOLDOVA 70.5
102 INDONESIA 70.5
103 TONGA 70.4
104 FIJI 70.4
105 PERU 70.4
106 BELARUS 70.3
107 GUATEMALA 70
108 IRAQ 69.6
109 HONDURAS 69.4
110 INDIA 69.3
111 KYRGYZSTAN 69.1
112 TUVALU 69
113 TURKMENISTAN 68.6
114 BELIZE 68.2
115 UKRAINE 68.1
116 SAO/TOME 68
117 KAZAKHSTAN 67.6
118 MONGOLIA 67.3
119 TRINIDAD/TOB 67
120 TIMOR-LESTE 66.9
121 BOLIVIA 66.5
122 GUYANA 66.4
123 AZERBAIJAN 66.3
124 NEW GUINEA 66
125 RUSSIA 65.9
126 BAHAMAS 65.7
127 GRENADA 65.6
128 BHUTAN 65.5
129 UZBEKISTAN 65.4
130 MALDIVES 65.1
131 TAJIKISTAN 65
132 PAKISTAN 64.1
133 NAURU 63.8
134 VANUATU 63.6
135 BANGLADESH 63.2
136 COMOROS 63.1
137 YEMEN 62.9
138 KIRIBATI 62.9
139 MADAGASCAR 62.5
140 MYANMAR 62.5
141 COOK ISLANDS 62
142 CAMBODIA 61.7
143 EQUATORIAL GUINEA 61.2
144 NEPAL 60.9
145 NIUE 60.5
146 ERITREA 60.1
147 GHANA 59.5
148 TOGO 58.3
149 HAITI 57.6
150 SENEGAL 57.1
151 KENYA 56.6
152 LAOS 56.3
153 GAMBIA 55
154 CONGO 54
155 MAURITANIA 53.9
156 BENIN 53.9
157 REP OF CONGO 53.7
158 GABON 53.5
159 CAMEROON 53.3
160 BURKINA FASO 52.6
161 UGANDA 52.3
162 BURUNDI 51.7
163 TANZANIA 51.5
164 SUDAN 50.3
165 BOTSWANA 50.2
166 MALI 49.9
167 NAMIBIA 49.9
168 GUINEA 49.8
169 RWANDA 49.8
170 ETHIOPIA 49.4
171 SOMALIA 49.3
172 COTE D IVOIRE 49.2
173 NIGERIA 47.8
174 GUINEA/BISSAU 47.5
175 CHAD 47.4
176 NIGER 44.3
177 AFGHANISTAN 44.2
178 CENTRAL AFRICA 44
179 MALAWI 43.5
180 DJIBOUTI 43.3
181 SOUTH AFRICA 42.4
182 LIBERIA 41.1
183 MOZAMBIQUE 41
184 SIERRA LEONE 40.9
185 LESOTHO 40.2
186 ZIMBABWE 39.7
187 ZAMBIA 38.6
188 ANGOLA 37.9
189 SWAZILAND 32

http://www.worldlifeexpectancy.com/sort.php

or from CIA stats ( number 30 )

http://en.wikipedia.org/wiki/List_of...ife_expectancy

So easy to repeat those talking points ... just like in 2003 ....

No county hospitals where you live? Urgent care clinic?

Welcome back.

Tell them your illegal from haiti or mexico free health care its on the house.... and someone elses insurance bill.

This... besides the dumbass president ^_^ but I can't lie, I have been feeling the same about him for the past month or so...

Anyways, I was in same boat, was under my fathers insurance for quite some time, excellent insurance, but when I became of age I had to look for new insurance. I was fortunate enough to pay a additional amount to his insurance plan (very reasonable) and stay on with them.

I would ask your father to inquire about you continuing to use the insurance under his name as this will save you TONS of money.

Goodluck and get that eye checked out asap, even if you have to go to a free clinic...

Go see a doctor before anything..

Go here and find a clinic. Bring your paper work and IDs.

http://www.michigan.gov/mdch/0,1607,...943---,00.html

Wow, must suck to live in SWAZILAND.

I didn't notice you were in michigan, that makes my advice even more accurate. BCBSM is insurer of last resort meaning they have to take you no matter what and they have a bunch of plans that should fit your needs. You might get cheaper rates with another provider if you dont' have pre-existing conditions so do your homework. Either way if you are making a living you can afford some type of insurance in michigan no doubt.

Well they turned my friend down because he did not fulfill anougn of the requirements.

As for life extancy, these lists disagree with you.

http://en.wikipedia.org/wiki/List_of...ife_expectancy

This one said it dropped this year.

http://geography.about.com/library/weekly/aa042000b.htm

Seems to me that people would not bother if they were going to get free health care, unless they have a house to lose. But the truth is they would not operate or treat him and Medicaid turned him down.

Go to the ER; they have to treat you.

Expect the bill to be at least $1,300 for every 2 1/2 minutes somebody spends talking to you.

Pay that bill off at $5 per month, always making faithful payments, and it will never show up on your credit report as bad debt.

Here is what I don't get... you have a join date of 2002, but you just got off your parents insurance. I thought you cannot be on parents insurance past 21 or 22 or something?

Were you 12 when you joined GFY or did you acquire a seasoned nick?

DOn't bother arguing with Paul. He's not interested in any facts, it's all about emotion with him.

Fortunately, he's going to live almost 2 years less in his beloved Czech republic than he would in the good old USA. Also, the country that his friend "couldn't get treated in" has the highest treatment rates for the specific cancer his friend had. Of course in Paul's mind the UK has a 100% treatment rate, because of his sample size of 1. You and I can all understand this simple math but it's way beyond Paul.

I think the life expectancy thing is really about how we take care of ourselves.. if most of the population is obese do you really think we will have the highest life expectancy?

Ya I was on my parents insurance they have through the school system untill I was 27. No copay or any fees on anything. It was nice. I'll check that out though.

Thanks, I'll check it out.

I was covered untill I turned 27 because I've been taking classes.

Yes and the hospital will just pass that cost to insurance companies which will in turn raise rates higher than any tax increase that would be needed to make it wher the OP could have just gone to the local docotor. But haters and neo-cons don't want to hear logic and facts.

Yep, go the the hospital.

Hence the "no clue". But thank you for being concerned enough to draft up a lengthy paragraph. :1orglaugh

I didn't do that or go to the doc. I'm all good now. If people didn't go to the ER and get MRI's and whatever else every time they got a little bruise more people might be able to afford insurance :)

Last year at this time I had to go to the hospital because of an injury I received in Iraq in 2004, I spent 11 days and when I got the bill I almost had to go back..$77,000 I just took the bill to the VA and it was paid. I hear people complain about the care at the VA but here in Vegas I have no issues with them. I see my doc's every 3 months and I get great care. Allot of times I have to go to NON VA docs for treatment and it's not problem. If the obama plan is like the VA coverage than with some tweaking it would be ok.... Just my 2 cents :2 cents:

I guess I have a hard time understanding why it costs $77,000 for 11 days in the hospital. I don't care what happened and what kind of machines they had to run you through that just sounds like way to much fucking money...let alone these million dollar bills I hear about.

hit yourself in the other eye

pay for your own fucking insurance. I'm tired of my tax money going to other peoples bills.

Me to, I am sure they over charged a few things. I had:
14,520 for room
503 cardiodiagnostics
331 diagnostic rad
14,754 cat scans
4,910 MRI
538 self admin drugs
20,243 clinic lab
596 laboratory / path
2,127 resp lab
10,356 pharmacy
8,500 emer dept

post pics

I made over 300k last year, yet was recently denied a $650 a month health insurance policy for the following reasons:

1) I visited a hospital in the past year:

I got a small puncture wound in my hand from a household accident, but wanted to make sure it wasn't infected, so I went to an Emergency Room.

Result: No infection - everything was fine.

I've never spent a night in a hospital once in my life, and haven't been seriously sick or injured in over 15 years (I once had routine surgery for Plantar Fasciitis - a common athletic injury - other than that no other serious hospitalization/treatment).

2) I have a pre-existing condition:

I have Psoriasis, a common, non-fatal and treatable skin disorder.

3) I drink alcohol socially:

I guess that I should have lied about that.

4) I'm overweight for my height:

And yet I play competitive league tennis, and have won numerous tournaments.

-----

Health Insurance should be guaranteed to all...especially those willing to pay for it.

The Obama plan is not free insurance for all, it is coverage for all. :2 cents:

The measure of a society is not about how it treats it's wealthiest and most privileged (who are very well taken care of), but rather how it treats the honest working class people, and those at the bottom of the economic spectrum.

I am a small business person. All of the above conditions were the same when my previous big business employers covered me (along with my contributions and deductibles). Nothing has changed except that I am now self-employed.

Did anyone actually examine me, or care to know about me as an individual?

No!

The bean counters looked at their set of actuarial (accounting) tables, and made me a non-person, and therefore denied me coverage.

So what happens to me if I actually do become ill? HINT: The taxpayers will pay for it.

Again, I am willing to pay far more than people that work for large corporations and the government do, who may be much higher risks to the insurance companies than I am.

Yet I am taxed to help bailout the insurance companies that refuse to cover me, and who made bad investments, and yet they deny me the ability to pay them for my basic coverage?!? :mad:

Go figure... :disgust

ADG

I saw that later in this thread you said everything was okay now. But I wanted to say something about the original post here.

You asked "What do I do?"

Well, when I was 27 I would have went to the doctor and paid for it. Just like my dad did, just like my grandfather did when he was young, just like his father and on and on back through history.

I do have insurance now. But I'm going to be 48 years old in Nov. I never had any health insurance until I was 41 years old.

It's a calculated risk...but a pretty damn good one. The vast majority of young folks do not need health insurance. It's just a waste of your money and a good way for insurance companies to get rich.

Hell, I never knew anybody in their 20's who had their own health insurance when I was your age. Of course now employers are basically forced by the govt. to hand out health care. And as I understand the new healthcare plan being debated....EVERYONE will be forced to buy health insurance. No matter what your age.

Yeah, it'll be nice for the small percentage of younger people who may have a catastrophic car accident or disease. But for the vast majority it's just gonna be a bit of a money grab.

I have to say that IF they are gonna socialize medicine, I'd be more in favor of the "Single Payer" (the govt.) system. This new plan just seems to be another way to make more money for the medical industry and insurance companies to me.

Pay your own medical bills...

Nobody but myself covers my bills :)

Exactly.

I was covered by my parents premium or wtf ever u wanna call it plan most of my life. I went to the doc maybe 5 times in those 26 years besides some kid shit.

The same doc now see's me to give me some meds I need every few months. He charges me only $35/visit which is less than half what the regular payment are billed at.

Young people don't need insurance for much besides meds. On rare occasion kids might need car accident insurance if anything.


I'm drunk, I'll continue on with this convoe next time if this thread continues. Bed time for Brett.