The problem with doctors/health care...
24 days ago
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Comments (1)not sure if you read the other boards here.... SO, I'll copy and paiste my question here.... If, your still in.... Ok, here is a follow-up. I purchased the Gator blade mentioned above in an earlier post, for my SR4 20056. Clearance is fine for the kickers. I had to modify the holes just a tiny bit because they were set just a tad too narrow. NOW, on to the review! I'm not very happy so far! My regular toro recycler blade MULCHED better. It seems the GATOR is either a bit to efficient or the Kickers are causing a counter affect! Let me explain a bit more and maybe somebody can help me... It seems the GATOR kicks the blades of grass up too fast and ends up just blowing it out underneath. It is leaving way to large of a blade and a HUGE trail as I mow. One thing I noticed is that this happend the most in the thicker areas of my lawn. I have my heighth set at E (3-1/4). IS this too high or too low? Does the GARTOR just not work well with a SUPER-recycler (with the side kickers)? So, am I going back to the regular TORO (OEM) blade? Anyone have a take on this? Thanks!...See MoreHealth Care
Comments (13)Have you looked into Health Savings Accounts? More and More states allow them now and they offer a good opportunity to control health costs if you can manage the high deductable. Here is some information from 1 web site that gives some basic information: An HSA is an account you use to set aside funds on a pre-tax or tax-deductible basis to pay for routine healthcare - such as office visits, prescription drugs and lab tests. The money you put into your HSA will reduce your income taxes similar to the money you save in a 401(k) plan. An HSA can be established at a bank, insurance company or third party administrator. If your HSA is part of your employee benefits program, your employer may also make contributions. There are annual limits on the amount of money you can contribute to your HSA. Whatever you don't spend from your HSA rolls over year-to-year for future healthcare needs. And if you retire or leave the company for any reason, you can take the balance in your HSA with you. Funds deposited into the HSA can be conveniently accessed through the use of a debit card or check. A high-deductible health plan. To qualify for an HSA account you must also be enrolled in a high-deductible health plan that provides additional protection. The annual deductible is higher than you might find on a typical health plan; however, the money withdrawn from your HSA for qualified medical expenses will generally apply toward your deductible. So, depending on how much money you have in your HSA, you may not have any out-of-pocket expenses before the health plan starts paying benefits....See MoreAre you happy with your health care provider?
Comments (21)I've been with the same doc for almost 18 years and I would hate to have to switch to another. If I call last minute, either he squeezes me in, or I see his partner who is equally great. I worked for a multi doc practice for a few years and I was disgusted at some of what I saw. It was all about the money with them. None of these docs would "go the extra mile" for the patients. There was no come into my office today, I'll see you tomorrow, etc. This company had a contract with a walk in clinic down the street and the knee jerk reaction of all the receptionists and doctors was " go to the clinic." This clinic was very busy and between the emergencies was alot of primary care things...med refills that could have been done over the phone, routine bloodwork,blood pressure checks, etc. One doc actually had the gall to send a patient that was in his office to the clinic to be evaluated for abdominal pain! His excuse...I'm too busy today to order the bloodwork and xrays! Then if a patient was severe enough that they had to go to the ER, the pcp would call and yell at the clinic docs because they would have to round on the patient at the local hospital! It was a real eye opener. Alot of the patients would say that they felt the clinic docs were their pcps. In 18 years, my doc had given me 1 outside referral and that was for surgery. Sorry for the rant but I was happy to get out of that job and am forever grateful to my doc for the wonderful job that he does....See MoreCanada's health care
Comments (80)frmrsdghtr - you summed it up perfectly. We live in Ontario and are under 65 - not by much, but still, under 65, which does make a difference (joyfulguy - you are over 65 so would benefit from many things that we do not). OHIP (the Ontario Health Plan) is about to cut many services (eyes - and I don't mean "normal" eye care) - I mean for people like my husband who has had a vitrectomy and cataract surgery. People who are diabetics often have major eye problems etc. and this will affect them - and not all are obese. My husband's eyes are bad enough that one of his eye specialists (he has 3) has been able to run his quarterly eye tests through OHIP, but at his May 8 appointment he was told that he would not be able to do this any longer - and his office plan won't cover it. My husband pays high premiums for family coverage (just the two of us) - yet has deductibles of $1,250 for EACH of medical and dental - so we basically pay for everything due to the deductibles - and since he has only one prescription for eye drops and I have one prescription we are not your "normal" Cdns. Even his office health care provider remarked that for people paying such high premiums we had very few claims (well, they wouldn't pay for his vitrectomy rehab equipment, nothing towards his sleep apnea dental appliance, his office dental plan does not cover specialists (and his regular dentist - an oral surgeon, no longer does root canals) plus there is the deductible problem. Back in the day your GP could zap a wart - now you need to be referred to a derm (heck, I could do it). I had several moles develop suddenly on my neck last year - it took over 6 months to get a derm appointment - and that was with a different derm - first one was going to be 9 months - and both required referrals from my GP. Yet, if I wanted to have something cosmetic done, I could have been seen next day. I have searched the OHIP site but little has been posted yet. The news showed the cost of the glaucoma test being $63.00 with OHIP paying the doctors $25.00 - but that must be for the cost of the equipment, because my husband pays over $200 for each test, so I think they need to get the facts straight. Fees to radiologists are being cut back which will affect mammograms (techs do the mammos but they are read by the radiologist so I guess backlog will come into play, and EKGs. Certain heart tests are being cut as well. I know that if you need a lower back X-Ray it will have to be seriously justified by your doctor. Every time I am supposed to have a bone density test (despite confirming day before) I arrive and am told that I can't have it for another year or two - but I am welcome to pay for it. I fully expect to never be able to get one again! According to my pharmacist, retired people post 65 can have their prescriptions covered, but they must take Generic pills. I can't take Generics - it isn't the meds factor, it is the non-medicinal ingredients I am allergic to - as are many others - and many seniors are paying the substantial difference themselves. My husband recently had a discussion with a N.Y. taxi driver who told him how lucky he was to live in Canada where dental, medical and vision (even glasses) are 100% paid for. My husband tried to set him straight - but the guy didn't believe him. I have had the same discussions in the U.S. and people think I am wrong. As if, I live here. My husband's cousin had to travel from Ontario to the Mayo Clinic to be diagosed with ALS (no one saw that one coming). She had been falling down for well over a year and it was going to take her another year to be seen by a specialist - so they paid to go to Mayo - and this was the horrible result. She is 54 years old. I know what the cost was to go to the Mayo Clinic and I think they could have bought a house in Michigan for less. If we need an MRI we can get it much more quickly in the U.S. - but we have to pay for it. Same with tests for prostate cancer etc. Is our health care better than what you have in the U.S. - DEFINITELY. Is it the health care that people think we have - NO. And let's not forget that we pay very high taxes and do not enjoy the many deductions that Americans have. There would have to be some give and take for the Americans to have our plans. Of course people who work for the government or are represented by strong unions (teachers, postal workers etc.) have excellent pension plans and retirement benefits. The average person working in private business does not. That would be us. If we take out private plans such as Blue Cross the costs are high - much like in the U.S. - and coverage is minimal - not to mention that everything seems to be pre-existing. When you read the list I don't think there is anything that the normal person hasn't experienced at least once in their respective lifetime. This is definitely not the time for my husband to be facing retirement - the economy is horrible - here as well - and we have been earning nil on our investment funds. But our banking laws are a lot better! Actually, the mail just arrived - bringing with it a letter from my husband's GP advising of the cost of this year's premium to cover non-insured services - I have the same with my doctor - it is about $100 - $125.00 for individual coverage. I am very happy with his doctor - for the first time they are offer fees for Individuals, COUPLES, or Families. There are many couples such as us who pay for people with several kids etc., yet we do not get one single tax break - period....See More- 24 days agolast modified: 24 days ago
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