Guests - If You want access to member only forums on HSO. You will gain access only when you sign-in or Sign-Up on HotSpotOutdoors.

It's easy - LOOK UPPER right menu.

Sign in to follow this  
Followers 0
chasineyes

Insurance Solution??

16 posts in this topic

Scenario: A $12 an hour employee loses job and thus insurance for his family. Three weeks later he finds he has cancer. How do you pay for it?? I'm struggling with the solution to this monster issue, and I would think no one has a ultimate solution. This is why I wish these do-do heads in D.C. would slow down and TAKE THEIR TIME!!!

Anyone have any thoughts??????????

Share this post


Link to post
Share on other sites

I for one would love to see our wonderful representatives come up with a plan where the costs are covered by our taxes, much like other social services. Unfortunately they throw our money away.

My biggest problem lies in the fact that all the plans they are pushing want a Gov't beaurocrat to decide who gets care, they wanna raise taxes to do it, and they themselves don't want to be part of the plan.

How about we stop spending BILLIONS on useless pork barrel projects, learn to live within a budget like the average Joe must do, and leave the health care choices to the patients and their doctors and not some unfeeling government agency.

Share this post


Link to post
Share on other sites

Chasin- the person who lost their job goes and gets the treatment needed, when payment gets brought up essentially tells the hosp billing dept no $, enough state/gov't programs out there to help out.

Agree 100% with Wade- time to stop worrying about people and problems in other countries and start taking care of our own.

Share this post


Link to post
Share on other sites

Solution: Take COBRA if its available to you. Might not be the best option financially but it continues your insurance coverage. While on COBRA, start doing research into independant insurance policies, trying to find a plan that may work better for your family while unemployed. And finally, start job hunting.

My personal example... I lost my job and didn't take COBRA. My parents said I have to have insurance so my mom found a short term plan for me and I signed up. 2 weeks after getting insurance coverage, I had my appendix taken out to the cost of nearly $13,000. I think I still had $2,000 or so out of pocket but that was one of the best decisions I made in my life.

Share this post


Link to post
Share on other sites

I agree with Wade and Pink on this. I can also see the COBRA plan, but those things are expensive if you have no income. But you do need some type of insurance. To me, it's kinda like putting gas in your car, you just have to do it no matter what.

Share this post


Link to post
Share on other sites

Pretty hard to purchase Cobra with a limited income. Really even with an income, Cobra is very expensive.

Share this post


Link to post
Share on other sites

Is Minnesota Care still available and would that be an option?

If a person has cancer, and is unable to work, don't they then qualify for disability payments from Social Security? Wouldn't they then also be qualified for medicare?

Thankfully I have never been in that situation, so I don't have any answers just questions.

Share this post


Link to post
Share on other sites

Those are great questions Jameson. I don't know the answers. I know you can't be denied treatment but I think you would rack up some heafty bills. Guess you could always always go with bankrupsy when you are all done with it. I don't know about SS kicking in anything. I think that and Medicare will be dried up within ten years anyway.

Share this post


Link to post
Share on other sites

Is Minnesota Care still available and would that be an option?

If a person has cancer, and is unable to work, don't they then qualify for disability payments from Social Security? Wouldn't they then also be qualified for medicare?

Thankfully I have never been in that situation, so I don't have any answers just questions.

Yes on MNcare. On disability, the MD must state disabled and for how long to begin the process to qualify for SS disability. Medicare kicks in if permanently disabled, dialysis dependent kidney failure, otherwise the first of the month following the 65th birthday.

Share this post


Link to post
Share on other sites

COBRA has come down in price alot under the stimulus plan at least temporarily. I was just laid off a few weeks ago and the COBRA plan would have run me well under $200 per month, although it would have been just for myself. Its still expensive but I believe they cut the cost by 65%, its at least a short term solution and well worth it. When I left my previous job 2-3 years ago they offered me COBRA and it would have been $400-500 a month for coverage.

Or you can also do what I did if you are able and that is to simply put yourself on your wife's insurance through her employer.

The problem with not taking it is if you then get cancer while uninsured it makes getting future coverage much more difficult because now you have a preexisting condition that may prevent an insurer from taking you.

Share this post


Link to post
Share on other sites

Can't count on SS Disability. A friend of mine was diagnosed with cancer and was given 8 months to live. He was employed, but applied for disability for the time he had left. He was denied because it was determined that he was still phyically able to work. He was 55 and worked and paid into S/S his whole life. He passed on 9 months later.

Share this post


Link to post
Share on other sites

Yea, heaven forbid you get less then a year of SS after paying in for 40 years. Sorry he didn't get to enjoy what was left of his life.

Share this post


Link to post
Share on other sites

Yea, heaven forbid you get less then a year of SS after paying in for 40 years. Sorry he didn't get to enjoy what was left of his life.

Wow a Gov't funded programs with problems? And they think they can solve healthcare in general?? crazy

Share this post


Link to post
Share on other sites

Can't count on SS Disability. A friend of mine was diagnosed with cancer and was given 8 months to live. He was employed, but applied for disability for the time he had left. He was denied because it was determined that he was still phyically able to work. He was 55 and worked and paid into S/S his whole life. He passed on 9 months later.

Was that the guy that worked at the Soudan Mine?

Share this post


Link to post
Share on other sites

The one thing I have learned when talking/dealing with these insurance issues is that it is ALWAYS a middle class issue. Notice we take care of the gang-banger, immigrant, methheads, druggies, jailbirds, and the poor. And the rich well...it's just not really an issue with 7 figures in the bank. So that leaves us, the middle class to pick up the check and "create" feuds between each other. Maybe we could find a way to ALL come together for a common good, but lets be honest that will never happen. Why? Because I feel we have class/social warfare between ourselves. Most governemnt whether city, county, state, school, university etc.. employees have health insurance paid by us (the taxpayer), retirees have health insurance paid by us (the taxpayer), our elected officials have health insurance paid by us (the taxpayer) and the indigent and poor have health insurance paid by (the taxpayer). On the surface its starting to seem like we have a socialisim form of health care already? Is there a perfect answer NO, but there is no bleeping way those clowns in DC can figure this out in a couple months. I've gotta assume a hard core democrat would find even that hard to believe.

Share this post


Link to post
Share on other sites

COBRA has come down in price alot under the stimulus plan at least temporarily. I was just laid off a few weeks ago and the COBRA plan would have run me well under $200 per month, although it would have been just for myself. Its still expensive but I believe they cut the cost by 65%, its at least a short term solution and well worth it. When I left my previous job 2-3 years ago they offered me COBRA and it would have been $400-500 a month for coverage.

Or you can also do what I did if you are able and that is to simply put yourself on your wife's insurance through her employer.

The problem with not taking it is if you then get cancer while uninsured it makes getting future coverage much more difficult because now you have a preexisting condition that may prevent an insurer from taking you.

You are exactly right on the gov. picking up a large portion of the unemployed cobra costs in the stimulus plan. My brother is laid off and I think he said the gov. pays 70% of his cobra payment.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!


Register a new account

Sign in

Already have an account? Sign in here.


Sign In Now
Sign in to follow this  
Followers 0