Question re health insurance wellness programs
11 years ago
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Comments (15)I recently had to have a biopsy for results gleaned from my mammogram from the state breast and cervical health program. I asked the nurse what would happen if the biopsy was cancerous, would the state program pay for surgery? She said she didn't know. She went on to say that the doctors and nurses intentionally stay ignorant of the programs, and who is covered and who is not, so that the exact same care is provided to people who are covered by insurance, and people who have no coverage at all. She said "people get all nervous about whether they have health insurance or not, but it doesn't matter to us." My insurance is by Anthem, catastrophic care only, many restrictions, and I also have a Health savings account. People think I'm nuts, but I actually like an arrangement that encourages me to be more active in my health and health care decisions. With apologies to Robert Frost, a hospital is a place where, if you have to go there, they have to take you in....See MoreAny personal experiences with pet health insurance?
Comments (7)I'm about to find out. After my daughter's dog was diagnosed with lymphoma last January, she underwent surgery and then chemotherapy. In addition, she had x-rays and MRIs. All this without insurance. Unfortunately, Missy died 2 weeks ago and my daughter added up her expenses- just over $10,000. In March of this past year, my husband and I decided it might be a smart idea to buy pet insurance for our 2 dogs, ages 7 and 12. I did some research and came up with Trupanion, one of those that reimburse you directly. You can select your own deductible, of course, with a resulting decrease in premium the higher the deductible. We chose $1000 for each of ours. None of the local area vets here participate in any of the other insurance programs except for one which gives you a 10% discount on "services." Doing web searches for info about Trupanion yielded some pretty positive reviews. Last Thursday my 12 year old was diagnosed with diabetes and put on an insulin regime. Yesterday she began to have more difficulty walking than she had been and was put on other meds as well. I will be submitting the bills to trupanion and after passing the deductible, I expect to be reimbursed for 90% of the cost of exams, procedures, labs and meds. I'll let you know how that goes. If you're interested in checking out Trupanion, I can post a referral link which will credit me with a $25 charitable donation in my name if you decide to sign up. I will not get anything personally from it and NAYY.... Helene...See MoreAny way to get Health Insurance now?
Comments (11)If she has a minimal income (which albeit has to be significantly minumal for a single person) she should be able to get medicaid. I would tell her though that that is not a pleasant process. My experiance (when I first had my daughter and needed it) was not a pleasant one. The people are mean and well downright awful and their first response is NO. I went in knowing exactly what I qualified for and didn't except no for an answer. I already knew what forms to fill out so when they told me I had to do certain things (which basically just make you life more difficult and are not a requirement) I told them flat out No, I don't have to do that I only need to fill out this this and this. Visit your state resource to find out the income requirements and such in your specific state. They are different for each. Also - I happen to find this as well In the US, there are a few alternatives that you may want to investigate. The first is Medicaid, if you financially qualify. If your income level is over the Medicaid limit, you may still qualify for Medicaid by using a spend down equation (usually the amount of income you receive over and above their income guidelines). To become eligible for Medicaid your allowable medical expenses must be more than your spend down amount. Expenses for medical care that may be considered in this equation include care from hospitals, doctors, clinics, dentists, drugs, medical supplies and equipment, health insurance premiums, transportation to get medical care, personal assistance services, and adult home help services that are related to your medical care. Read more on this here: --> Medicaid Eligibility http://www.rare-cancer.org/health-insurance.html...See MoreQuestion (legal) re Contractor Insurance
Comments (7)I'm not a lawyer but I have a little experience in the past battling my condo board. Your condo board may or may not have the legal right to require this. You need to decide if you want to battle them on this. Frankly, I don't understand why the contractor is taking this position but I know you've had trouble finding a good contractor so you may want to battle the board rather than him. The first thing to determine is which condo document gives them the right to require this. Generally there are 3 documents - the master deed, the condo association by-laws, and condo rules and regulations. Anything pertaining to the interior of your unit has to be in the master deed or the by-laws. Condo associations in MA are not legally allowed to pass rules about the interior of a unit. If this requirement is simply a rule passed by the board, then they have no legal leg to stand on. If it's in the master deed then you're out of luck. It's less clear about the bylaws but if it's in there then again you're probably out of luck. Of course, even if it's just a rule, you may still have a battle with them - condo boards often attempt to exceed their authority unless challenged. Frankly, I'd try to work this out with your contractor - why is he so resistant to insuring himself? If it's just money, maybe you could pay the premium difference....See More- 11 years ago
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