Medical Care: The Cost of Public Reporting
8 years ago
last modified: 8 years ago
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- 8 years agolast modified: 8 years ago
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house causing medical problems
Comments (36)DD has had lots of mold problems too from a roof leak and a basement flood. From our research and experience we learned that insurance companies not only do not cover the damage, but report the damage in a universal (industry wide) database making it impossible to ever sell so we were reluctant to report it. I'd seriously love to have someone refute this. She paid a mold remediation company $350. to evaluate the situation and we were looking at discarding a huge TV, genuine leather sectional/sleeper (the worst of it was in a basement TV room her SO had built for himself and buddies at the time) and over $5,000 for remediation. And that's after a brand new Pergo floor and lots of drywall had been removed. She knew someone who could place their industrial ozone machines in there and monitor them and the mold. Took maybe a week or two, but it actually did get down inside the furniture, etc. and kill it. She turned them up when she left for work and off/down when she got home. If you could leave and leave them running for a week it would probably work even better. Then we washed what we could with soap and water with bleach. I know there is a controversy about whether ozone is safe but just saying, it was an option that worked for her. Good luck. Sandy...See MoreHow do you handle the high cost of health care insurance?
Comments (29)Chelone, I'm sad to hear that your mother has had to cope with some cancer. It is hard to deal with that - even if one's trouble is of one's own making. My family has a history of weak lungs, which I share. I started to smoke at age 16 and after a few months decided that I didn't care for either the taste or, being frugal, the cost - so quit. Now enjoying good health at age 75, I'm very thankful that I had the common snense to do that. And often suggest to others that I hope that they decide to quit, so increase their chances of enjoying such a prolonged and healthy retirement, as well. I try not to come off judgementally about it - and few have given a surly response. Some have thanked me. Hayjud, I hope that you were not upset by my rather joking and somewhat smart-assed suggestion that you consider moving to Canada. Seriously, have you considered taking on a part-time project to produce some income? The nice thing is that you are your own boss, you can do the kind of thing that you are interested in and good at, and can do whatever you choose at your own speed. You don't have the pressure to produce enough to live on - as you had planned to get along on the retirement income that was already in place. I subscribe to a newsletter that discussed some of the issues related to that just this week - can send you URL if you wish (don't know it at present - but can look it up). On the internet might be possible. Some sell on ebay, etc. I feel that it would be preferable if you have knowledge that you can sell, whether by newsletter, ezine, etc. Possibly even personal consultation, whether on the internet or even by phone. Easy to send the messages - better than having to wrap and ship products, I think. I find that it is difficult to find people to reply showing interest in your offer, let alone subscribing, for there is so much material there already. Many don't like what they see and have been turned off regarding the whole thing. I have an idea that might be of interest, which I've checked out around here, but have minimal information that might be helpful to you. Good wishes as you proceed with your retirement. I hope that you enjoy it and have the good helath to be able to do a number of the things that you've looked forward to doing for a number of recent years. joyful...See MoreNeed Recommendations for Medical Alert System
Comments (9)Do you have a Consumer Reports subscription? I checked my online version and in July 2015 they did a comparison (and an update in Sept 2015). They did not do the typical ratings but the article offered a lot of good information about choosing one. ...........................CONSUMER REPORTS: This is from the article : "What to look for in a medical alert System" It works for a user's specific disability. For example, a stroke survivor may need a device he or she can activate with one hand. It offers a choice of a wristband and/or neck pendant. Cords worn around the neck can pose a strangulation risk; wristbands may irritate those with skin ailments. It includes help buttons that can be wall-mounted near the floor in multiple rooms in case the user falls and isn’t wearing the pendant. It offers multiple choices for whom to contact if you need help, from emergency services to a friend or relative who lives nearby. It has a battery backup in case of a power failure. The base station can be contacted from anywhere on your property—even in your yard or at your mailbox. The company has its own monitoring center, in the U.S., and employs its own trained emergency operators (rather than contracting that function out). The monitoring center has been certified by Underwriters Laboratories (UL), a nonprofit safety and consulting company. Choose the right medical alert system All systems (listed in alphabetical order, below) offer daily 24-hour monitoring services. All come with a waterproof neck pendant and wristband with a battery backup. Some offer a GPS mobile feature, which works when you are traveling away from home. Some also offer a mobile 911 phone, which places a call to local 911 services if you're out of your normal service range. It carries an additional fee. Some offer an automatic fall detection system, but they say it cannot detect 100 percent of falls, and the companies charge an extra fee for this service. Tip: As you shop, ask for quotes in writing because prices and services may change. .................................. Since the comparison is over 18 months I won't include the chart - it included 6 companies and they might not all be in your area. But the information above may help you select one. Several reviews mentioned that many have long term contracts that may be difficult to cancel. The user needs good wireless in their home. I wonder if your local Emergency Response service might be able to suggest one. Maire...See MorePrescription medications
Comments (26)Remember, many of the world's major pharmacuitcal companies are in the US. They do pass on their research and development costs to us here in the US as we don't have universal health care coverage as does much of the rest of the world. So, what would happen if we did? Who would pay for the research and development costs (which are enormous!!!!)? It would be hard to reduce dividends or stop paying them at all - people would sell their stock or not buy it. If that happens, many of the companies would quit developing new drugs. The bottom line is that there is no such thing as a free lunch or cheap drugs!!! Someone is going to pay for them! Am I glad it's not me due to Tricare? Of course I am! I take a LOT of meds due to two chronic health conditions over which I have little control (but am doing all the things I must do to help control it). I would go through most of my IRA and other savings pretty quickly if I had to pay the sticker price for all these meds. But someone IS paying that sticker price. We live in a capitalist society and it appears to work far better than other types. Communism has been a huge failure in the Soviet Union/now Russia et al and China. It didn't work. Socialism is running into problems in Europe as it appears to be economically unsustainable. That pretty much leave capitalism and that means that drug companies not only need to cover their cost of doing business, but make a profit. What would happen if the government took it over? Well, the track record of business that were taken over by the government is far from good. I don't know the answer. Heck, if I did know, I'd run for office! All I know is that I'm very grateful that there are meds I can take to allow me to continue living. I would have died a LONG time ago if there weren't....See More- 8 years ago
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rob333 (zone 7b)