Posted on 09/10/2009 11:25:51 PM PDT by CyberRBTmail
Amen!
You, on the other hand, simply do not understand the PURPOSE of insurance.
Are you mad that you have not DIED yet, so now all of your LIFE INSURANCE PREMIUMS were “wasted”?
Cry me a river!
Thank your lucky stars that you did NOT get your money’s worth, of your insurance, at least, not yet. If your insurance pays off, it means something REALLY bad happened!
Grow up! You have insurance so that you can sleep at night, you have it for your peace of mind.
The purpose of health insurance is to protect your credit rating.
The purpose of health insurance is to help you avoid bankruptcy court.
If you have no wealth, if you have no money, you probably DO NOT NEED health insurance.
If you DO have money, or savings and investments:
THE PURPOSE OF HEALTH INSURANCE IS TO PROTECT WHAT YOU OWN!
You were responsible enough to obtain health insurance, but you are acting like a spoiled brat, when you feel that the premiums, over your lifetime, were somehow “wasted”!
I have several very sick clients who would LOVE to change places with you.
Again, cry me a river!
My insurance agent was the one who sent out all the applications, all of which were returned to me saying they don’t cover pre-existing conditions.
I’m on the waiting list for the Oregon Health Plan, but there were 200,000 more applicants than applied and I wasn’t chosen last year.
I have NO problem whatsoever paying for health insurance, shoot...I paid $600 a month on my COBRA until it expired, but I cannot get it...I applied to the Oregon health Plan, I wasn’t selected, they sent me another application last week, I applied again, hopefully I’ll get it.
I asked my agent about the High-Risk pool, he told me it is only for people with existing serious diseases, like AIDS or cancer. I am healthy, except for controlled high blood pressure, for which I’m taking Diovan.
I have tried for the last two years to get health insurance, my insurance agent (who died last week, sadly) busted his butt trying everything he knew, but I cannot get insurance from any carrier.
I am not ill, so I don’t apply for the high-risk pool, and the only option left for me is to hopefully be chosen for the Oregon Health Plan.
My girlfriend’s rates just went up one dollar, they sent her a letter saying that there’s a new tax to pay for adding more people to the Oregon health Plan, so they do plan on adding more people.
I even applied to be a research subject of some university who is doing a study on health insurance, they would provide medical care and study my progress (even though there’s nothing wrong with me!) but I wasn’t chosen for the full study, just for some study where I have to answer a bunch of questions and they send me a $5 bill!
Believe me, I have tried every avenue available to me...
Ed
If the older member “robbed the cradle” this might not work, as Cobra won't last more than 36 months, but the Medicare eligible spouse should plan for retirement, accordingly, and wait until the younger member is closer to 65. BTW, should have pinged you on a few of my other posts, on this thread, sorry.
Your case is more of a damnation of government plans than it is a damnation of private insurance.
Oregon is MORE socialized than most states, and Oregon, obviously, is messing things up!
Also, the “High Risk Pool” generally does NOT care about the cause of your decline.
All you have to do, in most cases, is PROVE you were declined for health reasons.
First, the government is not going to be “warm and fuzzy” but you seem to prefer the government, over private insurance. Why is that?
Have you ever heard of “Medicaid Estate Recovery”?? Type in the name of your State, followed by that phrase, into your browser. The government goes after your kids to pay your bills, if you go on Medicaid and DIE! Is this the “warm and fuzzy” government you want to handle ALL Of us?
Next, your facts are simply wrong, in every State the person involved would have qualified for some form of Guaranteed Issue coverage.
Again, the PURPOSE of health insurance is to protect your credit score, to protect your wealth.
The government should NOT be paying for 100% of the smaller expenses of doctors visits and check ups, and neither should private insurance.
A high deductible insurance plan, with a Health Savings Account, is the best way to go for most people under 65 who do not qualify for Medicare or Medicaid.
For those who can not obtain standard coverage, due to pre-existing conditions, THERE ARE GUARANTEED ISSUE policies in nearly every State! Yes, they are expensive, but they can protect your wealth, if you HAVE wealth. If you have no savings or assets?
Go on Medicaid or go Bankrupt! There is no shame in that, as long as you or your friend did your best.
Why should the NATION go bankrupt trying to protect individuals from going bankrupt?
Oregon is very socialist.
I live in Grants Pass, southern Oregon, which is still pretty conservative and rural.
I could easily prove I was denied, as I have so many letters turning me down, but Chuck, my insurance agent who’s been handling my insurance and handling my applications, told me I needed a doctor’s diagnosis that I have a serious illness, like cancer, AIDS, heart disease, etc.
Chuck just died, so I have to find myself another insurance agent...I’ll ask him, when I find him, if I could join just on the basis of all my letters turning me down.
Ed
Geez, WHERE the F*ck did I say anything about prefering Obama’s healthcare or national healthcare (or the government over the private industry)!? NO WHERE!
I’m not typing chinese here. I don’t need a lecture on how this all works. I’m informed and I don’t have a liberal position. It’s like I’m getting information from a person whom is neither fully conscious of how they’re behaving and that they’re assuming up the yink-yang.
Don’t bother replying,... because you wasted my time so far. If you could only read you’d actually have something worth talking about.
Go to the web sites I posted.
In most states, a simple denial letter grants you access to the guaranteed plan.
Alright, I’ll do that.
Thanks,
Ed
O'Reilly is the biggest pinhead on Fox! Fool. He's given WAY too much airtime.
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