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Q & A

In light of recent questions...Should a person [namely me] with a chronic condition [any disease] pay more for their health insurance?
Even when I/we did not ask for or cause it.
Because in 2010 that is what my hubbies work is doing.

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    • 0 votes vote up vote up

      Mztracy wrote Oct 13, 2009
    • My answer is a big huge fat NO F‘ING WAY!!

      My sister battled stage 3 breast cancer and her insurance is screwing her as they say the life saving chemo ‘experimental‘. So now she will be paying this back for a very long time!

      Where the hell has humanity gone in our world??!!




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    • 0 votes vote up vote up

      Vikki Hall wrote Oct 13, 2009
    • I would say No to this one even tho I said yes to the other one. To me they are seperate issues/concerns.

      It goes back to the healthcare question and how it should be changed. I think there is probably more advancement on a lot of medical conditions but because it is a money maker the cure/medicine/treatment is held back.

      Eventually it will all come to a head and healthcare reform will be forced into play. Your sister is a perfect example (sorry BTW)of where more insurance is moving to.

      I just watched The Rain Maker not that long ago. When it came out I had seen it and read the book (John Grisham) and it didn’t have the impact on me then that it does now.

      Change has to happen and unfortunately it’s going to be uncomfortable for all for awhile.




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    • 0 votes vote up vote up

      UK Girl wrote Oct 13, 2009
    • Mz T you know my thoughts on this NO   – healthcare is a basic human right regardless of age, colour, creed or ailment – from cradle to grave it will be free ..........come to England the land of the NHS  

      Yes "I love the National Health Service "




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    • 0 votes vote up vote up

      Mztracy wrote Oct 13, 2009
    • I see addictions, whether they be food, drugs, cigs, in the same class. It is a disease for some.

      Stems from my years in alanon and hubbies in AA. Some can quit on their own, some need help as they have the disease of addiction.

      Are they going to start raising ins on those with moles, pale skin who can be more prone to skin cancers? Will they raise it if your family has a history of breast cancer as my mom and sister have it? Or raise my kids as their mom has MS and their dad is a recovering addict?  

      Seems pretty obvious to me that this is totally ridiculous. Yet, open the door to it, and the answers will be yes to all my questions. Just you wait and see...
      I’m just sayin’




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    • 0 votes vote up vote up

      Deb Link wrote Oct 13, 2009
    • Absolutely NO!!!!!!




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    • 0 votes vote up vote up

      Angelcart wrote Oct 13, 2009
    • "NO" - I believe SOMETHING has to be done because cost's are just rediculous .  My husband just came in and said our rep was able to get the insurance company to lower their quoted price by 3%.  3%!!!!  That's a joke.  His rates increased by over $400/mo and mine increased by over $200/mo.  Only the price went up - not the benefits.  (Benefits, that's a joke).  When I had my son 20 years ago I had 2 policies and it didn't cost me one cent to have that kid.  I could not imagine what it would cost today.  I certainly could not imagine having to deal with what you have to either.




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    • 0 votes vote up vote up

      Kandykahne 5 wrote Oct 13, 2009
    • No way! Think about all the chronic and pre-existing conditions people have! So it will cost them more to have you insured through them so they charge you more. Where is this fair? In Massachusetts it is mandatory you have health insurance so they cannot not insure you for a pre-existing condition and the rates are looked at by the state as there are different plans depending on the situation.




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    • 0 votes vote up vote up

      Marya1961 wrote Oct 13, 2009
    • I can’t tell you how many times we have changed our coverage over the years because my hub’s place of employment cannot keep up with the ever growing rates..he works for an optometry college and they do their best to keep everyone happy, but the insurance companies keeping putting the screws to everyone..my sister has MS and her coverage is paid for by her employer, but I shudder to think what will happen if the very small company decides to shut down (they are certainly talking about it)and she is now responsible for the monthly injection cost.  I am having a really crappy day, and these things just infuriate me more...wish it could be different, Mz!




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    • 0 votes vote up vote up

      Marya1961 wrote Oct 13, 2009
    • NO to your question!




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    • 0 votes vote up vote up

      Janet Wooley wrote Oct 13, 2009
    • All this pre exsisting garbage gets my goat. Who in their right mind chose to have or get this condition. if you have a health problem you need to see a Dr. and be treated and none of this crap “it’s experimantal” or “cosmetic” it is only the health care agancy’s way of getting out of paying. I say sink more money in finding cures not medication. I have a question: how can they say something is experimantal? when all medication is experimental? Come on it is.




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    • 0 votes vote up vote up

      Mztracy wrote Oct 13, 2009
    • Well it even says in the brochure

      Single
      Married with children
      Married, children, family member with chronic condition

      Each price tier goes up up and away!!
      How is this fair??




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    • 0 votes vote up vote up

      Mztracy wrote Oct 13, 2009
    • Janet, they will never find the complete ‘cures‘. If they d the biggest money makers, the pharmaceutical cos. will go out of business. Then who will find our politicians and some other rich.

      IMHO




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    • 0 votes vote up vote up

      Janet Wooley wrote Oct 13, 2009
    • EXACTLY it’s all a conspiracy.




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    • 0 votes vote up vote up

      Lazylola wrote Oct 13, 2009
    • No...and I see me getting screwed even more without my consent. Damn rapers. I just lost my job, I should be getting my Cobra paperwork in the mail soon, I just hope I am able to afford it as I need to have another surgery.




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    • 0 votes vote up vote up

      Mztracy wrote Oct 13, 2009
    • YUP!! Scary!

      I’ll keep you in my blessings Ruby! Cobra is no fun! I hope the rates are better where you are! estatic




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    • 0 votes vote up vote up

      Angelcart wrote Oct 13, 2009
    • Ooh I had to have COBRA back in 2004 (??) and it was around $600/month.  Good luck.




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    • 0 votes vote up vote up

      Deb Link wrote Oct 13, 2009
    • I had to let my cobra go at the beginning of 2009.  I paid for it for one year....it drained me financially.  My payments were almost $600 per month...and with no income it became impossible.  Good luck Lola happy




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    • 0 votes vote up vote up

      Lazylola wrote Oct 13, 2009
    • Thanks ladies...The thought of Cobra scares me, will I feed the kids, give them away so someone else can feed them, pay out the a$$...definitely not something I’m looking forward to dealing with...I may take my crippled a$$ up the street with a sign and see if I can score some spare change in my pity bucket...joy, joy...




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    • 0 votes vote up vote up

      Mztracy wrote Oct 13, 2009
    • See, how can they charge that.
      How do the people sleep at night that do this knowing it is a hard ship. Obviously, if you need Cobra you are out of work or just beginning a new job.

      Wait, they sleep just fine on their money! ohhhh




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    • 0 votes vote up vote up

      Janet Wooley wrote Oct 13, 2009
    • I could not afford  Cobra either. You know all this talk of healthcare has given me a headache I hate this issue, it is so depressing. I worked for over 20 years and paid my taxes and my share of healthcare. I loose my job and CAN not seem to find another and I can not get anything. I can’t get Medicaide I make too much on unemployment which buy the way covers my rent and car payment nothing else. I went to the local food bank to see about getting help and was asked if I had small children or am I over 60. I said no to both, they could not help me out. So I asked, everyone in between is supposed to go without. I give up I swear.




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    • 0 votes vote up vote up

      Lazylola wrote Oct 13, 2009
    • Insurance & Cobra & illness & government talk...I’d start hitting the bottle but then I might miss SSTI...I’ll start during or after....




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    • 0 votes vote up vote up

      Deb Link wrote Oct 13, 2009
    • look at these websites...interesting.
      www.opm.gov/insure/health/
      www.npr.org/templates/story/story.php?storyId=112893393




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    • 0 votes vote up vote up

      Kandykahne 5 wrote Oct 13, 2009
    • In case anyone is interested here is the link to the Massachusetts health insurance info. I think we are the only state that has mandatory health insurance laws. Actually, it isn’t too bad. I heard that they were going to model some of the health care reform off of what Massachusetts has done.

      [Link Removed]


      Kandykahne9, Your links have been removed, please consider upgrading to premium membership.




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    • 0 votes vote up vote up

      Anne E wrote Oct 13, 2009
    • No, of course not.  Everyone deserves reasonably priced health insurance.  Charging more for people who actually has to use their health care benefits is like kicking someone when they‘re down!




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