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View Full Version : Do you have Health Insurance?



Rebel Yell
06-15-2009, 11:59 AM
I just want to get a feel for how many people here have no health insurance.

I am without coverage. I just simply can't afford it. My wife has her's through work, she needs it more than I do, though. I haven't been to the doctor since my exit physical from the Navy in 2000. If I paid an average of $250 a month, which is really low, I would have spent roughly $27,000. Of course, if something major happens, I'm screwed. Although, the hospitals here will work out a payment plan for you.


I would actually be one the ones getting coverage paid for by y'all under Obama's perfect society, but I don't want it. I'd rather have quality care that I have to pay off in installments, than free Motrin for every ailment from a tummy ache to Cancer. Anyone from the military will understand the Motrin remark.

linda22003
06-15-2009, 12:04 PM
Why are you not on your wife's policy?

Rockntractor
06-15-2009, 12:24 PM
We mostly self diagnose and buy antibiotics on the internet. Had severe pain in an area I don't want to talk about and had to go to the emergency room last october they took xrays and did blood work for a cost of 3000.00 for a two hour visit.

Rebel Yell
06-15-2009, 12:26 PM
Why are you not on your wife's policy?

It would cost nearly $400 a month to add me. I can get an individual policy for less than that.

linda22003
06-15-2009, 12:28 PM
It would cost nearly $400 a month to add me. I can get an individual policy for less than that.

And yet you don't. I've never been without coverage, so I can't imagine taking my chances like that.

Rebel Yell
06-15-2009, 12:30 PM
And yet you don't. I've never been without coverage, so I can't imagine taking my chances like that.

We don't have an extra $400 a month to spare. If we could afford it, I would get coverage, but we can't.

Rockntractor
06-15-2009, 12:35 PM
Some people don't understand. You make your house payment and eat or have health care coverage that actualy pays very little anyway if something catastrophic happens.

Rebel Yell
06-15-2009, 12:44 PM
Some people don't understand. You make your house payment and eat or have health care coverage that actualy pays very little anyway if something catastrophic happens.

The same way it's hard for me to understand paying $100 for a meal for two, it's hard for some to understand not being able to afford health insurance.

lacarnut
06-15-2009, 12:44 PM
We don't have an extra $400 a month to spare. If we could afford it, I would get coverage, but we can't.

Since you were in the Navy, could you not get emergency sevices thru the VA?

Gingersnap
06-15-2009, 12:45 PM
And yet you don't. I've never been without coverage, so I can't imagine taking my chances like that.

I've elected not to buy insurance a few times. When you do have to go to the ER or whatever, they will work it out with you.

It's a gamble but one that usually pays off if you are young and healthy. The risk obviously increases a lot with age.

Rebel Yell
06-15-2009, 12:45 PM
Since you were in the Navy, could you not get emergency sevices thru the VA?

Not with my type of discharge.:o

Rockntractor
06-15-2009, 12:47 PM
I don't agree with national health care at all though. I have no answers. Sometimes life just sucks.

Rebel Yell
06-15-2009, 12:50 PM
I don't agree with national health care at all though. I have no answers. Sometimes life just sucks.

That IS the answer.

linda22003
06-15-2009, 12:55 PM
We don't have an extra $400 a month to spare. If we could afford it, I would get coverage, but we can't.

You said you could get your own policy for less, but you don't.

Shannon
06-15-2009, 01:14 PM
I have health insurance through my husband, as does Tristan. I've been without it before though. I actually paid less for my dr. visits then.:eek:

lacarnut
06-15-2009, 01:18 PM
You said you could get your own policy for less, but you don't.

He can NOT afford it at 400, 300, 200 dollars or whatever. Not that hard to comprehend.

linda22003
06-15-2009, 01:19 PM
He can NOT afford it at 400, 300, 200 dollars or whatever. Not that hard to comprehend.

He just said he couldn't afford $400.

Nubs
06-15-2009, 01:21 PM
I ride on my wife's policy. Depending on whose policy is the most cost effective, that's the policy we take.

linda22003
06-15-2009, 01:25 PM
My husband and I are insured separately with our respective employers, because it's more cost effective that way. In case of need (such as a job loss) each of us can immediately add the other to our plan, though.

Rebel Yell
06-15-2009, 01:27 PM
He just said he couldn't afford $400.

I can get it for less, but not much less. I can't afford any new bills until we get a few of the ones we have now paid off. My mortgage went up $100 per month from last year.

linda22003
06-15-2009, 01:33 PM
OK, thanks for the clarification. Sounds like a higher income might be useful to you. :(

Jfor
06-15-2009, 01:33 PM
Around here in the south, the doctors have 2 prices. Insurance prices and cash prices. If you don't have insurance, the doctor visit is usually the same price as your copay for insurance. I went without it for a long time.

Shannon
06-15-2009, 01:36 PM
Around here in the south, the doctors have 2 prices. Insurance prices and cash prices. If you don't have insurance, the doctor visit is usually the same price as your copay for insurance. I went without it for a long time.

Well, I didn't get them that cheap when I was uninsured but my dr. usually charged me half of what he bills with insurance.

lacarnut
06-15-2009, 01:39 PM
He just said he couldn't afford $400.

See post #4. Comprehension is your friend. :cool:

Rockntractor
06-15-2009, 01:48 PM
OK, thanks for the clarification. Sounds like a higher income might be useful to you. :(
Tell that to our president he is bound and determined to destroy the economy for all of us.

linda22003
06-15-2009, 02:02 PM
See post #4. Comprehension is your friend. :cool:

I read post #4 correctly. Comprehension IS my friend, as you most emphatically are not.

linda22003
06-15-2009, 02:03 PM
Tell that to our president he is bound and determined to destroy the economy for all of us.

That's one reason I'm so concerned about this "plan". It won't help those who are added noticeably, and it will ruin the plans of those of us who are well covered.

lacarnut
06-15-2009, 02:17 PM
I read post #4 correctly. Comprehension IS my friend, as you most emphatically are not.

Damn, that makes my day.:D

linda22003
06-15-2009, 02:20 PM
It pleases me as well, believe me!

SaintLouieWoman
06-15-2009, 02:30 PM
My husband and I are insured separately with our respective employers, because it's more cost effective that way. In case of need (such as a job loss) each of us can immediately add the other to our plan, though.

We also are insured separately through our employers. It's more cost effective that way. My plan covers more, but it isn't worth the incremental increase in cost for SR to be on my insurance. Fortunately, he uses his medical insurance far less than I use my insurance. It's working out well this way.

lacarnut
06-15-2009, 02:32 PM
It pleases me as well, believe me!

Shucks, this episode is coming to an end. Guess I will have to buy some gold at Northwest or e-bay for entertainment cause the stock market is not providing any today.

MrsSmith
06-15-2009, 06:30 PM
I spent years without insurance while raising my 3 older kids. When someone got sick or hurt, I'd scrape together enough pennies to pay for medication (literally, I saved every one and rolled them as needed), and make payments to the doctor and hospital.

I am nearly 50 now, and I have no doubt that I've spent as much on my insurance as I'd have spent if I went self-pay the whole time. Medical savings accounts would very likely be huge win-win situations for anyone under retirement age.

FlaGator
06-15-2009, 06:44 PM
We mostly self diagnose and buy antibiotics on the internet. Had severe pain in an area I don't want to talk about and had to go to the emergency room last october they took xrays and did blood work for a cost of 3000.00 for a two hour visit.

Did the penicillin fix you up? Frank Zappa wrote a song about you, "Why does it hurt when I pee". :D

Rockntractor
06-15-2009, 06:51 PM
Did the penicillin fix you up? Frank Zappa wrote a song about you, "Why does it hurt when I pee". :D
Never had any of those bugs. Don't know why not. I had many narrow escapes on the carnival.

Rockntractor
06-15-2009, 06:56 PM
Oh I get it Duh! The pain was in the boys. It felt like I had been kicked by a mule. I was doubled up several days. It turned out to be a damaged nerve between my spine and the afflicted area. I had a head on collision a year before that and was and still am healing from the damage.

Rockntractor
06-15-2009, 07:13 PM
We mostly self diagnose and buy antibiotics on the internet. Had severe pain in an area I don't want to talk about and had to go to the emergency room last october they took xrays and did blood work for a cost of 3000.00 for a two hour visit.
Boy oh boy! that just looks really bad together. I can't believe shannon or Linda numbers were not all over that. What is the matter with those two today?

SarasotaRepub
06-15-2009, 08:57 PM
Boy oh boy! that just looks really bad together. I can't believe shannon or Linda numbers were not all over that. What is the matter with those two today?


I can make some eeeeeevil comments if you wish. :D

Rockntractor
06-15-2009, 08:59 PM
I can make some eeeeeevil comments if you wish. :D
Go for it. I deserve them after that train wreck!

Teetop
06-15-2009, 09:30 PM
Go for it. I deserve them after that train wreck!

Geeeeez.

Key words; train wreck. :eek:

I have been without insurance for a while. I just got on it last year, thank God!

Rockntractor
06-15-2009, 09:32 PM
Thats what you call a "Lucy you got sum splanin to do" moment.

SarasotaRepub
06-15-2009, 09:53 PM
Go for it. I deserve them after that train wreck!

http://www.cartoonstock.com/newscartoons/cartoonists/for/lowres/forn1098l.jpg

http://www.cartoonstock.com/newscartoons/cartoonists/for/lowres/forn1067l.jpg


http://www.cartoonstock.com/newscartoons/cartoonists/for/lowres/forn1134l.jpg

:D

Rockntractor
06-15-2009, 10:07 PM
Time heals all wounds.