So this is what happens when I don't have a job and am bored as ____.
1929Spanish-GW
4 years ago
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Fun2BHere
4 years ago1929Spanish-GW
4 years agoRelated Discussions
What happens when you don't have Health Insurance?
Comments (65)Late husband worked for a health insurance company, and that was the last time we had a health insurance benefit. When he left that job, we got catastrophic care insurance, with a huge deductible. We eventually opened HSAs as well. Over the last ten years, each of us has had jobs that offered health insurance plans. We looked at the cost (to the employee) of those company plans, and the benefits, and restrictions imposed. We compared them to the cost of our current plans and benefits, (when you pay yourself, you chose who you want with no restrictions). The HSA balance creeps up over time, allowing more payments, (dental, doctor's office visits, optometrist exams,) on a schedule we controlled, instead of what the company plans would allow. Employers have been hit hard the last few years, too. The workplace plans we were offered had higher premiums than our individual accounts with Unnamed Health Insurance Company, and were not of more value to us. In spite of being a "catastrophic care" policy with a high deductible, It seems to be paying for things, or making partial payments for things, every time i turn around. Tick removed from back at walk-in facility: Paid half the bill. Prophylactic medication in case I was exposed to Lyme disease: I was stunned to have the couple bucks and change it cost. I asked the pharmacist "Isn't there a minimum dispensing fee?" Yes, she said, but the insurance covers it. If I hadn't had that policy, it would have been twenty dollars or so, for two pills. As it was, I paid less than three dollars out of pocket. I'm actually quite happy with the situation I'm in: the fewer people sticking there noses into my health care (policy wonks in DC or that lady in personnel) the better I like it. And it had no bearing on Poor Late Husband's demise: He had lung cancer, quite likely from his thirty eight years of smoking two packs a day. There were unusual circumstances that contributed to his sudden death only five weeks after diagnosis. No amount of chemo, surgery etc., would have saved him. I had a cancer scare myself, actually less than three months after his passing. I asked a nurse what would happen if I had cancer, and my insurance didn't cover treatment. She said she didn't know how that worked, and she said the doctors and nurses take precautions to not know anything about the finances of patients. That way, she said, those with or without insurance are treated the same way while in the hospital. I think it's stupid to go without insurance to have more money for lattes and cell phones, but I defend others' rights to spend the money they earn in a way that they find valuable. As for people who "End up in the emergency room because they couldn't afford a doctor" I've personally known, lived near, worked with some of those people...and they abused the emergency room option so they wouldn't have to pay. I've heard them rationalize taking a child with an earache to the emergency room to avoid a $20 co-pay at the doctor's office, and the hassle of scheduling an appointment. Then in the next breath they griped that they had to wait so long to be seen....See MoreI miss my husband so much,i don't know what I am supose to donow
Comments (16)Kay, how are you? I haven't been around for a while, I had to take a break and get myself together. To everyone I want to tell you that I am so sorry for your loss and sadness, it is the worst pain anyone can have BUT it does get better, I promise. My heart and soul mate died 14 months ago and I wanted to die with him, I was in so much pain and so scared of what was going to happen to me without him; life must go on. I was told that it doesn't get better but it gets different and they were right. I still weep and some days are bad but I have more good days as time goes on. Life won't seem so alien after a while, I just felt like I didn't belong here any more, not in my home, my job or this world but I did finally settle with my feet back on the ground. It's not easy but you have to push youself to live and it eventually gets easier. Please take care of yourselves, get help if you need it and work hard at being strong, we will never forget and we will always love them and happier days are ahead. God Bless all, Mav....See MoreI don't have a cat, so why am I buying cat food?
Comments (10)Thanks so much for the help! See .. I thought feeding all of those cats out of one big feeder is very wrong too. Thanks for validating one of my concerns. We have the five dogs and there is no way I'd feed them out of one big dish, they all have their own dishes and a few their own eating areas due to when they were strays it caused food aggression issues with other dogs ( not people ). If left to their own being fed out of a large dish, the food aggression dogs would drive the others out and fights would ensue to regain the bowl .. basically everything that's happening to this cat. So, I do blame the people for not getting involved on her behalf. She's an adult cat, my DH ( who had cats as a child ) thinks she's maybe 6 - 8 years old ?? I think right now I'm going to try to get her back into shape, she's eating for me and she seems very content to hang out down here now. As we sat on the porch last night, she hung out on my DH's lap and soaked up the attention. We live in NC and it's been one of the hardest states hit by unemployment, the papers are filled with people giving away their animals. The rescues and humane socities are also filled .. we went through the whole thing with trying to find Daisy ( the Basset my DHbrought home last year ) a home or into rescue and never could, so we just kept her. I'm also going to call and talk to our vet about a dewormer for her, they'll be able to give me an idea how much it would run and if they need to see her first. They are pretty good about giving us a break when the animal is a stray, they did with Daisy and her whole heart worm treatment. Thanks again everyone, hopefully we can get her looking a little better soon :)...See MoreDon't know why I am so very sad
Comments (5)Thanks for your response, Sweeby. That is a very interesting point about whether the relationship was good or not. Generally, I think you are right about that. Odd, one would think the better relationship would be more sorrowfully mourned. But one also mourns the lost opportunities. No, there is no unfinished business. I did everything I could have done to try to save that marriage. And I negotiated with him much longer than I had to in order to arrange issues with the children. There is nothing more I could have done. He has gone on with his life and so have I. As it turns out, he is o.k. There was surgery which showed that there was no malignancy after all. The growths on his spine were removed and with therapy he should recover. I am glad about that. But I am puzzled by how emotional my sadness felt. My relief doesn't feel that way at all. There are just a lot of practical reasons that it's good he will still be around. It is very strange not to understand why I feel the way I do. I'm just glad the crisis is over....See More1929Spanish-GW
4 years agoFun2BHere
4 years agoLukki Irish
4 years agoyeonassky
4 years ago1929Spanish-GW
4 years agolast modified: 4 years agorobo (z6a)
4 years agoLukki Irish
4 years agolast modified: 4 years ago
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