I just got a letter yesterday, that my insurance premiums are going up...again.
Kingarthur, I wish you the best. I know the words are meaningless, but they're all I have. :(
Genuinely wishing you well and also wishing I were in a position to pick up the tab for your coverage. All of which counts for nothing particularly real, I know.
It's cool. Sorry I get so shitty towards you every now and then. I need to try to keep it civil. Wishing you the best.
Same here. I don't want to be a dick but I also feel like I gotta stand my ground sometimes, and I don't like that it's happening with you.
The bitch of it is, we're on the same side: we both want better health care and greater prosperity for the people, but I demand a "how" that I consider plausible, while I think you're more about establishing the goal and working out the process later. For me, the process and the goal cannot be separated.
|Born in the RSR |
I dunno if this is like appropriate for me to do, and if it isn't I'm really sorry.
Best to you kingarthur. I went through 12 rounds of chemo back in 2013 and spent the next year in debt, even while with a great insurance plan! Health care in this country is as much of a racket as the casino industry.
|Binro the Heretic |
I have Aetna through my employer. Our premiums have remained stable, but out out-of-pocket keeps going up. Thus year, I had to pay $500 out-of-pocket for a single test to confirm I still had a condition I fucking TOLD the doctor I had been diagnosed with already. That's literally more than a week's pay for me and that's BEFORE they take the money out to pay for my company health insurance. When I told the doctor I knew I had this condition, his response was along the lines of "Well, your previous doctor diagnosed that. We need to confirm it hasn't changed." If hasn't can I get that money back, asshole? No? Yeah, that's what I fucking though.
Incidentally, I had to switch doctors because my last doctor, with the threat of the ACA looming, decided to join some medical group that offers "concierge" service. That's where they charge you a monthly fee whether you go to the doctor or not that month. But, hey, you get up to two free office visits, depending on your plan and plans start as low as $150 per month.
And I swear the company is in on the scam. Our office visit copay has gone up $5 every other year since I started working there. If you're out sick for more than one day, you're required to get a doctor's note or they won't authorize sick leave pay. It's like getting a $50 fine because you caught a cold. If the copay keeps going up, it will be cheaper to just get docked a day's pay and get another day of bedrest. And based on other people's stories, I know I'm incredibly lucky to have things as good as I do.
But it's not like that for everyone. One time when I was out sick and waiting in line at the pharmacy o pick up my prescription, the old lady in front of me was complaining because she had to use her private insurance to pay for a prescription Medicare wouldn't cover the cost of.
Yeah the doctor's note to authorize sick leave policy is like a $15 to $60 fine for being sick.
My employer, a small municipality, has a program where we can see a nurse practitioner for free, but they rarely authorize sick leave unless you're contagious.
I don't have anything to give but virtual hugs and the commiseration of my rabid dissatisfaction with the health care/insurance system, King Arthur, but I give those eagerly and freely. I hope you don't lose your insurance after all. Isn't it great that, when things start costing money, they can opt out? Should rob the damn insurance companies.
Sorry to hear this kingarthur, is there a fallback/safety net if your insurance refuse to cover it? It's horrifying that they can do this sort of shit :(
I haven't had my insurance refuse anything yet. It's that I go on donated leave from other employees as of this week and, when those donations of hours run out or one year from today hits (whichever happens first), I am immediately unemployed and have the option of COBRA or nothing :/
I think we decided today we're going to take the 50K advance, strong arm the doctor into approving it, use it to buy a better car than the 02 I drive (better is relative - I want something that will survive an extended drive of six hours max without a problem) and then use the rest to pay premiums and fees and such. How good a car I get depends on what the premium is for my health insurance, however.
I"m maxing out at 8K, tops for that vehicle.
All the best to you man, it fucking sucks you have to deal with that shit on top of the illness.
It might be worth finding out if there are grants/other financial assistance available from non-profits/charitable orgs as I remember during my own treatment I got some limited financial help from MacMillan Cancer Care.
I wish there was something I could do to help.
Health insurance, as it exists in this country, might as well be organized crime.
I have a friend who broke his back about 12 years ago and was permanently paralyzed from the waist down. As soon as it happened his insurance company dropped his coverage; it took him over a year to get basic coverage again, and as far as I know the only way he's been able to get the ongoing care he needs for his injury is a rich relative he doesn't know who has given him some money (strings attached) and the life insurance policy when his dad had an avoidable heart attack after being misdiagnosed by his cardiac specialist the year before. Most people in his situation would probably be in a shelter by now.
Canada does not have "free healthcare". We have a single payer system.
I pay $150 to the provincial government on top of the approx. 30% tax rate I pay for both federal and provincial income tax. I get a big portion of the 30% back due to having children.
I have dental insurance through work that pays 80% for routine work and 50% for major work. My insurance through work covers most of the things that the government single payer system does not cover.
A single payer system means that nobody gets blocked from healthcare due to not having insurance because the single payer is the government and the government pays every health care provider regardless.
The kid in this story would get treatment immediately and never pay a dime.
We pay the same rate of tax here in america ( unless you earn your living trading financial instruments in which case you pay 15% rather than 30% ). For this, we get nothing. So yeah, from our point of view, it looks "free". But I appreciate it is not.
I hate when politicians say we can't afford a single payer system. They'd just rather blow that money on endless wars and tax cuts for the wealthy.
I pay $150 per month on top of my regular taxes for medical premiums. I have a decent job and make extra money outside of my job, so I pay but if you are unemployed or poor you don't have to pay this extra amount every month.
After deductions and other stuff, I pay about 21% combined provincial and federal tax. My wife gets a boatload of money from the government due to our kids.
Maybe Americans could declare cancer a terrorist organization and wage war on that?
Heya King Arthur, sorry to hear about this. Do you have a Paypal address or any kind of online fund we could contribute to help defray your costs? I can't donate a lot but I'm sure every little bit helps?
See Born in the RSR's post above for that information.
Sorry, I attributed that post to Binro, but thank you Born in the RSR! The full link is here. Don't worry about it though. I was not planning on posting it in this video.
|Architeuthis Tux |
I'm so sorry, Kingarthur.
I got hit with $4k of medical bills this year because my wife and I have the cheapest insurance we can (self-employed). It was a shoulder injury I had absolutely no control over, and the urgent care doc thought I needed an MRI.
Those machines are really noisy on their own, but even that sound is drowned out by the sound of money being vaccumed away.
So, even with insurance, I'm on the American Healthcare Plan of "never get sick or hurt".
They stuck me in one for a thing unrelated to chemo earlier this year (my plantar fascia popped in my left foot) and the thing was like being stuck in a submarine's torpedo tube.
Yeah. That was how I learned that I actually don't have any issues with claustrophobia.
On the plus side, I now have the digital files and I can digitally cut open my own neck any time I want to.
I would've rather had the thousands of dollars though, honestly.
A few things to keep everyone updated:
1. I got denied for Medicaid because I keep getting accumulated and donated leave time as paychecks at work. The issue is that donated leave could run out at any time in the next year at a moment's notice and, once it does, I lose my health insurance. Medicaid wants to make sure you make less than $16,000 a year for an individual like me or else there's no Medicaid. They need five months of proof of this and then the 30 to 45 day processing period. So I won't really be able to apply again for another six months and if there's too much donated leave in that time, I'll be denied again.
2. I may have to get a $50,000 advance on my life insurance to pay for COBRA, meaning I will pay full premiums and all deductibles, copays, and coinsurance out of that money until it either runs out or I die.
3. I don't qualify for Medicare for another 19 months, by which time I'm told I will be dead and by which time the medical bills would have likely piled up.
4. I'm pretty sure not having insurance gets you the plan where they kick you out of the hospital ASAP to defray costs and you die home alone and in pain instead of in a hospital high on drugs.
5. It's not all bad: they shrunk my tumors way down and, though they'll eventually return, I get a few more months of life maybe.
Also, Binro, thanks for posting the link. People can donate if they want to, but I wasn't planning on asking for anything in this post.
Thanks to all you guys for being curious and staying positive. :D I really do appreciate it.
My Dad was the recipient of 4 and it took a lot of personal legal research to fear the hospital into letting him die there after they took the steps to kill him faster.
I could tell you stories of that adventure that wouldn't help anything, or stop complete fucking idiots from braying like jackasses endorsing this shit system.
I'm just constantly sorry.
I would max out my credit card, but it's only got a $4200 limit and I don't want collections calling me on my death bed. Good plan though and I have considered it.
Also, if anyone wanted to get something out of donating to me, I have a free song up here and some cheap EPs I made.
I want people to be able to get something out of giving me money.
Binro the Heretic
All I can say is I wish for you to have as little pain and worry as possible, which I realize is a lot to wish for given the circumstances.
|That guy |
Hi kingarthur, you are in my thoughts, and I wish I was filthy rich. If you create a fundraising page, be sure to post it here.
|The Mothership |
Everything here just makes me cry. I can't even 5 star the video.
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