| This thread has been locked, it will not receive new replies. |
|
Locked on 09/21/2009 12:35:11 PM PDT by Religion Moderator, reason:
No thanks |
Posted on 09/21/2009 8:14:45 AM PDT by 68gunswillneverdie
Hello: Please do not ZOT me. I am a member here for 5+ years. I did this because I had a question that involves my family and know that the freepers are great at advsing/giving asnswers. Yes I joined today and I did this because I don't want my family's business running around the net:
1) I have two sons that were sick. One had cancer and went through chemo. He was covered by my insurance as long as he stayed in college. He fumbled and is not in school at the momnet. When this happened my insurance did not cover him anymore. He cannot get insurance now because NO company wants to do it becuase of the pre-existing clause. Is there any insurance company or way that you guys know of that he can get insurance. He's free of the cancer now but the insurance problem is so bad now that he is making plans to move to Seattle, WA so that he can get on their community insurance program.
2) I have another son that has diabetes. My insurance still covers him. But once he hits 22-23, he will also be dropped by the insurance company. What can he do?
Guys dont ZOT me ok. Or at least give me some time to get some replies or FreepMail me. This is a post of desperation. Yes this is a vanity. But we have been looking for months now and the boys keep asking "Why is Obmama's plan so bad?" I would appreciate some postive replies or suggestions. Hey Jim, you run a great site. I love it and it IS the best. I voted Bush,Dole,W,MCain OK guys? GOD BLESS THE USA AND YOU ALL.
First decide whether you want your kids to be responsible for themselves or dependents upon the government.
If you want them to be responsible for themselves, living full lives and raising up grandchildren for you and your wife to enjoy. Then you will teach them about Emergency Funds, Savings, budgets and how Insurance really works as well as marital harmony. You will enable them for life despite their difficulties.
If you want them to be dependent upon government and chances are slim that you will get grandchildren (let alone that they be legitimate). You need to teach them nothing. They will learn to mooch off the government and the rest of us naturally. The press will give them clues how to live the disabled or other "lifestyles" and they will probably royal pain in the A$$e$ for you and your extended family for decades.
It really is a choice like that. If you could see ahead into the future and feel all the pain they will inflict on you and your wife, you would abandon the government option in a heartbeat, you would drill into them, at all costs to be self sustaining and to be the best they can be, with all your heart. As government help is a chimera, it promises much but the fruit that help is typically - very bad.
Your 2nd son can get insurance, no problem, on his own when he either:
a. gets a job or
b. makes some funding arrangements for himself such that he buys into a health savings plan.
As regards your firstborn, he doesn’t seem too responsible. Flunking out of school is an indication of dumbery in any instance, and for him to have done it in his circumstance shows that he doesn’t appreciate anything, but manna from heaven and believes that things just automatically happen, lucky for him. That’s definitely an 0bama voter.
So, as for their question about why 0bama’s plan is so bad, ignore the first son because everything is wasted on him, but you can tell the 2nd son that socialized med. has failed everywhere it’s been tried. In Italy, for instance, they don’t have paper dresses in gynecology, no gloves for blood draws, dot matrix printers (in only some depts., many dep’ts. have no printers at all), Italian women never go the gov’t. drs. for gyn. needs because it takes a yr. to get an appt., etc.. Here’s an example. Justine Henin’s mother died of cancer when she was about 12. Now they have another tennis player, Wickmayer, who is in a similar circumstance. You tell me. How can the nos. be so inordinately high? How do we have not a single tennis player who lost a parent to cancer at that tender age? Can it really be just a statistical anomaly? Here’s this little country, 3 tennis players to its name, 2 of whom have had only 1 parent starting at age 12. Something doesn’t seem quite right.
I’m a little taken aback by the vitriol in the replies you’ve gotten. Even if you are a troll, you’ve asked a reasonable question. One of the many unsavory tactics of the left is to relentless attack the messenger (ever heard of Glenn Beck, or Hannah Giles?) and ignore the message.
One possible solution is Medi-Share, a non-profit Christian organization that takes member’s monthly dues and allocates them to members that have medical expenses. I’m not sure what their underwriting rules are, but you can get more info at medi-share.org.
IBTZ
Best not to mention ZOTs in the title. That kind of invites a ZOT.
BamsterDeathCare is not good for anyone. It will cause a severe shortage in doctors. For one, existing docs will quit, secondly there will be no incentive for potential new docs to go through the ordeal of medical school only to be underpaid and overworked within the gov’t gristmill.
ObamaDeathCare will ruin the best healthcare system in the world.
If you think heathcare is expensive now...
wait until it’s FREE.
My husband takes Nexium twice a day. There is no generic equivalent. Now that I am unemployed and do not have insurance it costs us $82 for a week's worth of pills.
I am pretty lucky to have two back surgeries all covered by military insurance (Tricare). When my Husband retires, I will continue to be covered but I wonder if my daughter (who has the same disk degeneration disease with two surgeries before she was 18) will have problems later with her insurance when she has more back issues.
New members have their posts checked first by the mods. They don’t have the posting privileges that we do.
The correct answer is:
If the government hadn’t screwed up the healthcare market by advantaging the purchase of healthcare through employers, you would have bought a plan that covers these situations in a free market.
Which just goes to show, there is no problem created by government interference in markets that liberals won’t use as an excuse to create even more government interference in markets.
The correct solution is that individuals should have the same tax benefit allowed to employers for the purchase of health insurance. That would quickly move the whole country from an employer captured system to an individually purchased system, like Term Life Insurance.
Getting to that point is tough, but do-able. What should probably occur is a temporary (say 6-month) period in which everyone can sign up for personally purchased insurance with pre-tax dollars. Those who are refused due to pre-existing conditions (your sons) should be subsidized by the state so that their costs are roughly in line with people without pre-existing conditions. This would be a one-time sign-up process. If you miss the boat, you’re out of luck.
Insurance companies can function when they are in the business of covering RISKS. They cannot function when they are merely the absorbers of COSTS that others wish to foist upon them.
Obama’s ‘plan’ is bad because it would force people to buy “health insurance,” and destroy our freedom.
Smart people figure out that staying healthy is the easiest thing in the world: Eat only real food, don’t take any drugs of any kind, and stay at least 300 feet away from anyone that prescribes drugs.
It’ll also cut your food costs to the bone, since fake food is expensive, and real food is cheap.
Yeah, it doesn’t. I got a great coupon when the dr first gave me the prescription, it covered 6 months, and with the coupon and my insurance it was 5$ for one month. Then when the coupon ran out it was 60$ for the last prescription I got. I can afford it, but that’s still expensive for something I have to take forever. And I hate that now you can only get one month’s worth at a time. I used to be able to get 3 or more month’s worth of things I took all the time, but now, they only write the prescriptions for one month. I wonder why?
ZOT
Yeah, I'm being a bit facetious, but given what is going on in other countries (and in states within the U.S. that have government run healthcare), that is not too far fetched.
If you have to ask why it’s so bad, you haven’t been here 5 years
It must be a trick. Why would anybody ask a fellow FReeper for an answer to a question most are willing to give?
What would happen if this FReeper gave his screen name and asked the same question? Some of the idiots on this board would still want him or her ZOTTED.
I can’t believe the way some of you (including YOU) are so fast to jump in the gutter.
It makes me sick. Either help or get the hell out of the way.
LOL, I got it! Not sure how many others will.... :-)
So....he screwed up, and you'd like everyone else to pick up the tab? Actions have consequences.
My insurance still covers him. But once he hits 22-23, he will also be dropped by the insurance company. What can he do?
Keep continuous coverage. Get a job. Take the time that he has now, to make sure that all of his bases are covered.
His sons both have pre-existing conditions (assuming this is for real), so it may not be that easy
“No response to the nice folks who have offered help and or advice?”
I was thinking the same thing. They have taken the time to give this person some real help. Not even a thanks.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.