Anyone here not have health insurance? - Page 3

DeadDwarf · November 8th, 2007, 05:08 PM

Sweetie: Hope you can have that baby soon!!

Litupgirl: Your baby girl will be here in no time, I can't wait to hear all about it! You cry now, wait and see how much you cry when she is here! hehe. I cry all the time when I am telling my daughter how much I love her, when she falls asleep and cuddles with me, when she wakes me up by cooing and smiling at me, etc. She makes me so happy, I know yours will make you unbelievably happy too!

Algernon: I got my daughter insurance through a different insurance company so she has a better plan than the one I applied for with my husband. She was already approved weeks ago and her insurance was effective Nov. 1st.

I got a crappier plan for me and my husband, 1) because my baby will be at the doctor's office more than us and she needs a better plan 2) because my husband is French-American so we belong to a "society" for French people that helps us with our doctor visit co-pays and partially pays for some lab work and x-rays. Our daughter can't join the society until she is 2 so we need her insurance to cover more of her expenses.

msdeb · November 8th, 2007, 05:16 PM

Quote:

Originally Posted by ManxMouse

Why can't you get insurance through your husband's job? Don't tell me his doesn't offer it either. It's really freaking important to be covered, one big accident or unexpected diagnosis and you could be bankrupted. If you and your H aren't able to get coverage through either of your jobs, you CAN try to find a different job. The benefits that go along with a job is a huge part of what should be considered in agreeing to work somewhere.

a LOT of jobs do not offer health insurance. and finding another job isnt as easy as you might think. People have different circumstances, and just because someone may tell them to get coverage or a different job, it isnt that easy

litupgirl · November 8th, 2007, 05:20 PM

Sweetie -

You deserve better than the job you're in. I'm stuck at my crappy job is b/c I can't find much better until I finish school. I do have some kick ass insurance and that's the only reason I'm here. The ONLY reason!

DD -

I cried reading your post. Yes, I've been crying over quite a few things today but that was truly wonderful what you wrote about her. I hope you write this stuff to her in a journal or baby book. It would make a wonderful graduation gift. I plan on writing to my baby girl about how much I love her.

**Tati** · November 8th, 2007, 05:36 PM

Quote:

Hey Grimm. Do you have copays?

We (Ontarians) don't pay anything for things that the government covers. So no co-pays as such, if it's covered, it's covered. However, Canadian health care isn't all free, there's plenty of stuff that the gov't doesn't touch, like dental, optical, and prescriptions.

I've always had some sort of private insurance through my father's employer, my university, and my husband's employer (which I was covered under even before we were married). So I've never really seen the true costs of things, except for prescriptions since I used to work as a pharmacy technician. Our co-pay for prescriptions is currently $0.35 per. I don't even know why they bother, but whatever. Anyone on welfare in Ontario gets drug coverage, with a $2.00 co-pay; seniors also get coverage, I think their co-pay is $6.50ish. Otherwise you need private/employer insurance or pay the cost.

Emergency care, surgical care and doctor's visits (any and all "hospital" stuff, I guess) are completely covered for everyone though, unless it's experimental surgery or something.

ManxMouse · November 8th, 2007, 10:14 PM

Quote:

Originally Posted by msdebagain

a LOT of jobs do not offer health insurance. and finding another job isnt as easy as you might think. People have different circumstances, and just because someone may tell them to get coverage or a different job, it isnt that easy

That's a loser mentality.

If places can't get enough employees because they offer shit benefits, they might think twice about what they should offer....they should be losing out to places that offer coverage.

sweetness · November 8th, 2007, 10:46 PM

Quote:

Originally Posted by Sweetie

I don't have insurance. I am wanting to have a baby but insurance is going to be over $600.00 a month just for me alone. I hate that our country can spend billions on a war but can't help it's citizens with healthcare.

Yes, this makes me furious as well.

It makes no f*cking sense!!!

Quote:

Originally Posted by Sweetie

I just wish I wasn't 30, that I was 21 again and still had another 10 years before I had to have one. haha

Well, you could always pull a Nancy Grace and do it at 48?

HELL no...... I'm definitely just kidding on that.

Good luck to you, Sweetie.

I treasure being a mother more than anything else in this world......
I thank God for these babies!!!

Algernon · November 9th, 2007, 10:26 AM

Quote:

Originally Posted by ManxMouse

That's a loser mentality.

If places can't get enough employees because they offer shit benefits, they might think twice about what they should offer....they should be losing out to places that offer coverage.

Errrr....okay....loser mentality?

I may have thought that, smugly, when I had great benefits with a job that I thought would be there forever. Long story short, the job DID NOT last forever. After going through years of self-employment and contracted positions (me and my husband both)--always HOPING to find a benefitted position but it never being there, mind you--my attitude has changed tremendously. No, it is not easy to get/maintain benefits through an employer.

Sweetie · November 9th, 2007, 10:55 AM

Quote:

Originally Posted by ManxMouse

Why can't you get insurance through your husband's job? Don't tell me his doesn't offer it either. It's really freaking important to be covered, one big accident or unexpected diagnosis and you could be bankrupted. If you and your H aren't able to get coverage through either of your jobs, you CAN try to find a different job. The benefits that go along with a job is a huge part of what should be considered in agreeing to work somewhere.

No I CAN'T try to find a different job. I make 1,500.00 a week it's kinda hard to get a new job making that straight out. I have always been very young and healthy and never go to the Dr so I haven't needed insurance. I am just now realizing, since I turned 30, that I have to get coverage. My husband has insurance, his boss pays it for him, he only pays $14.00 a week for his coverage. To add me on it's another $140.00 a week. Like I said, $560.00 a month is a lot to spend when I haven't needed a Dr. in 10 years. I know I am getting to the age where I need coverage though.
Also, just because you don't have coverage doesn't mean you will go bankrupt. Dr's and hospitals work with uninsured people. As long as you make an effect and scheduled monthly payment they can't do anything to you.

msdeb · November 9th, 2007, 03:37 PM

Quote:

Originally Posted by ManxMouse

That's a loser mentality.

If places can't get enough employees because they offer shit benefits, they might think twice about what they should offer....they should be losing out to places that offer coverage.

oh bullshit. not EVERYONE has the luxury of picking and choosing jobs. what on earth are YOU thinking? i've been out of work for a year on disability. i have to go to school to get retrained to enter the job market again. i wont be able to say 'oh, you dont have benefits? i dont want to be with you'. my last job i had, i waited 6 months for benefits. it was a good job and i really had no other choice but to wait, since anywhere else i would go would be the same. I once worked at Target for minimum wage, and they offered NO benefits. TARGET!!!!!!!!! how many employees do THEY have? so before you say anyone has a loser mentality, know your facts. wow.

also i found your 'loser mentality' remark highly insulting. i'm sure i'm not the only one.

Sweetie · November 9th, 2007, 03:41 PM

Quote:

Originally Posted by msdebagain

oh bullshit. not EVERYONE has the luxury of picking and choosing jobs. what on earth are YOU thinking? i've been out of work for a year on disability. i have to go to school to get retrained to enter the job market again. i wont be able to say 'oh, you dont have benefits? i dont want to be with you'. my last job i had, i waited 6 months for benefits. it was a good job and i really had no other choice but to wait, since anywhere else i would go would be the same. I once worked at Target for minimum wage, and they offered NO benefits. TARGET!!!!!!!!! how many employees do THEY have? so before you say anyone has a loser mentality, know your facts. wow.

also i found your 'loser mentality' remark highly insulting. i'm sure i'm not the only one.

Thank you!

Algernon · November 9th, 2007, 03:57 PM

Quote:

Originally Posted by msdebagain

also i found your 'loser mentality' remark highly insulting. i'm sure i'm not the only one.

I'm not so much insulted as I am chuckling, wondering if Manx will be faced with eating those words one day...just like I had to. All this healthcare mumbo jumbo used to fly right over my head, and I'd think 'god, why don't people just find a new job that has insurance, like mine!'. Have found it is SOOOOOO not that simple.

pacific breeze · November 9th, 2007, 04:10 PM

Well, as another "loser" with a history of 20-odd years in the work force who found herself unemployed after 15 years with absolutely no warning a few years ago, I can tell you it's been a long, hard battle to find a job half as good as the one I had. And I was "let go" without a single incident on my file, but it was a non-union newspaper and I couldn't do a damn thing about it except sue, which I did.

I've gone back to school, I've freelanced, taught, worked various odd jobs, tried my hand at the 9-5 corporate world and none of it has lead to a job that I really want to have. Now I am self-employed and things are looking up, way up.

litupgirl · November 9th, 2007, 05:24 PM

I would give up my health insurance for $1500 a week. Where do I sign up?

Algernon · November 9th, 2007, 05:28 PM

Quote:

Originally Posted by Sweetie

I don't have insurance. I am wanting to have a baby but insurance is going to be over $600.00 a month just for me alone. I hate that our country can spend billions on a war but can't help it's citizens with healthcare.

If you are making 1500 a week...wouldn't this be really affordable???

sweetness · November 9th, 2007, 05:55 PM

I went for years without health insurance and luckily had no problems for a long time until I broke my foot. Because I did not have insurance the orthopedic doctor gave me a nice discount (40%) and let me set up a payment plan. I appreciated him working with me, but of course he knew he'd have to if he wanted to get his money.

Health insurance is simply not affordable for someone like me. If you're a woman of childbearing age it is absolutely through the roof!! Even without maternity benefits.