Originally Posted by Botnst

Single or family?

Originally Posted by SirNik84

I'm waiting for a letter in the mail. they couldn't tell the broker my boss uses to buy the insurance because of a privacy law. so I'm in the dark till it arrives in the mail.

I honestly don't understand what it could be, especially since I just had the physical.

My co-worker that got heired at the same time I did got accepted. He is the sickliest person i know. he went to the allergist last year and had some test done. he was literately allergic to all the test they ran on him. He lied on his Kaiser form and said he hasn't been to the doctor in 4 years. So the only reason they could have turned me down has to be because I got a physical.

Originally Posted by SirNik84

Recently I became a full time employee of the company i've worked for, for 6 years. Part of the full time employment is health benefits.

Prior to turning 25 I had been covered by my dads insurance because I was in school. now that I'm out of school and working its time for me to get my own insurance.

I'm a pretty healthy person. I don't get sick easily, and I don't complain a lot. When I was a kid I use to go to the Doctor (a very old guy) when I was sick, and he use to fix me. when I had an ear infection he used a vacuum device that was most likely from the 50s to suck the crud out of my ear. it hurt like hell. He also gave me injections and other minion surgeries, all from his office. I have never been to a hospital. needless to say when he retired I stopped having a doctor. I've gone to the clinic several times, but never to the same doctor.

I don't like doctors. ever since my doctor retired I haven't met a doctor that fixed people. they all ether prescribe drugs, or refer you to a specialist. none of them actually do anything. they use their degrees to force you to pay high prices and then give you advice you could get from a trained pharmacist.

Before my dads insurance ran out I went into the clinic for a physical. figured it would be a good thing to know where I was before I gave up the coverage. The doctor started the physical by telling me I was fat (just in case the mirror didn't tell me) and then went on to tell me he wanted to test me for Diabetes. Umm OK Doc. So I drive a cross town to another clinic to get my blood drawn (because the doctor must not know how to draw blood). Then 2 weeks later I come back and the doc gives me the physical, and tells me, "Besides being overweight you are perfectly healthy."

Shocked and Amazed (not really) I leave the doctors office.

I turn 25, and I'm now uninsured. My boss doesn't like this, my dad doesn't like this. everyone I know doesn't like the fact that I'm uninsured.

I feel relieved! I love not being insured. I'm no longer paying into a system that supports yo-yo doctors that can't even draw blood.

At the change to the year my boss gives me the full time position and gives me a budget to get insured. I told him I'm not exactly excited about getting insurance but look into it anyway. I decide to get Kaiser, it seems like a simple enough insurance plan. (I understand the plan, that is a plus!)

Well, Kaiser turns me down. Stating that I have a medical condition that prevents me from becoming a member of Kaiser. ummm.... OK...

My boss is now "helping" me find another insurance plan.

But I don't care. The system is so F-ed that I don't care. In fact I'm pretty sure my boss could do better things with the budget he is offering me. I know I could!

Originally Posted by RichC

Ever think how sick it is to try and make a profit off of peoples ilnesses ???

Psychopathic !

Originally Posted by aklim

I don't think you really understand what you are talking about here.

Nor here. What do you want the doctor to do? Draw your blood and charge you doctor's rates? That is why they sent you elsewhere. To get a phlebotomist to do it. That phlebotomist specializes in blood draws so you don't get to be a human pin cushion. Doctors can but don't do it because of the cost and the idea that practice makes perfect.

Once again, investigate and you will learn that phlebotomist draw blood. Nurses draw blood. Doctors don't. Not that they cannot but they don't.

It's called a pre-existing condition. Kinda like your car. They want to know if it is damaged before they insure it. You are damaged goods.

So why the rant? You didn't get something you didn't want. What is the problem? You don't hear me complaining that I didn't want gay sex last night and didn't get it, do you?

Originally Posted by PaulC

You indicated that the doctor said you were perfectly healthy but overweight. The weight issue just might be the pre-existing condition in question.

Originally Posted by POS

The reason for health insurance is the reason for all insurance - to keep you from going heavily into debt IF something happens to you. "Just wait until you need it" is about the worst advice I've ever heard of - when you need it, you won't be able to get it. So you're healthy, a bit overweight, no issues. Why do you need insurance? A waste, right?

How about an accident. Any accident. If you stay in the hospital for a single night, you'll be liable for $6000 - if you need a surgery and stay a night, you'll be liable for $15,000. If you get a disease, you'll be poor forever because you'll have no way to pay for it. Your father is right about being upset you don't have insurance, because he knows that if something happens to you, he's going to have to foot the bill to save his son's life - all because his son wants to save a buck and "stick it to the system, man".

Grow up. Don't buy a comprehensive policy - get a catastrophic policy with a high deductible. It won't cost too much, and you can't use it for doctor's visits and meds, but if an accident happens, you won't go bankrupt trying to pay for it and your father won't spend his savings on his son's stupidity because he has to.

Originally Posted by kerry

Family.

Originally Posted by SirNik84

I live next to a Kaiser hospital since they are the most affordable they are full of fat people... suppose they just lied on their apps.

Originally Posted by Botnst

Most full coverage policies cost many hundred of dollars per month, say $500. You haven't needed meds in 24 months = $12,000. $12,000 - $400 = $11,600.

Let's say you put that $11.6K into several CD's and continue doing so until you real ol'fartdom -- mid-40's and then get catastrophic insurance.

Originally Posted by TheDon

I've got health insurance through my job, $15 a week for full coverage, Blue Cross/Blue Shield.. .

Originally Posted by Hatterasguy

Problem is if you are unlucky and actualy get sick...that will be $150k Mr. Bot!

Originally Posted by Hatterasguy

My biggest expense is dental cleanings, I go 2 or 3 times a year now on my dads policy, about $300-$400 a pop. I'll just have to pay for those out of my pocket.