• Health Insurance costs getting out of hand!

    Asked by Julianna on Friday, October 13, 2017

    Health Insurance costs getting out of hand!

    My Husband and I pay almost 1,000.00 a month for health insurance. And it sucks! It has a 5K deductible for going into the hospital for anything major, and a 1K deductible for any outpatient visits and tests. When it's all said and done, we still have to pay half or more of any bill. The monthly premium keeps going up on every birthday either of us has, we get a new premium notice.

    How are your premiums doing? Going up, staying level, canceled altogether? We have no choice now since I have cancer it's not feasible to change.

    47 Answers from the Community

    47 answers
    • geekling's Avatar
      geekling

      It definitely does suck big time. I agree completely

      almost 4 years ago
    • meyati's Avatar
      meyati

      I don't know how mine is going. I'm going to a meeting Monday to learn the new rules, premiums, co-pays, and pharmacy. The notice said that it's going to be stiff

      Medicine has me worried. They said that we have to pay our medical deductibles up front, before Medicare starts paying for any medication. That could mean 2 things: That we buy medicine until we meet our deductible. Or that we have to pay a lump sum that everybody is charged

      Flonase is the only medication that Medicare covers-I'm already self-pay for the meds that I do use. I need to find out if they will allow my purchases to count for my deductible. I'm not holding out any hope

      Normally we have meetings during this time period-and we get notice of changes. Then these changes go into effect in March. The changes will start in December this year. They want a chance to make sure that everybody is covered and work out the bugs, because of the fast changing rules.

      It looks like Congress isn't approving things, so we live in a land where the president gives a decree and departments change regulations-these acts are reducing the tax base that funds our health care no matter what our ages are.

      almost 4 years ago
    • GregP_WN's Avatar
      GregP_WN

      Ours is similar, coverage is little, costs are high and getting higher with each birthday. And Trump is trying his hardest to kill the ACA, that's probably not going to be around much longer and it's replacement will surely cost much more.

      We are in a pickle, people.

      almost 4 years ago
    • BuckeyeShelby's Avatar
      BuckeyeShelby

      Trump is systematically trying to take apart anything and everything that Obama created -- from the ACA to treaties we've signed, like the Iran deal. He really hates Obama. The executive order he signed yesterday will start removing the subsidies in place to help pay premiums for the ACA policies. Whether you are a fan or not, if you have one of those policies, you might find yourself paying a lot more in premiums.

      almost 4 years ago
    • BoiseB's Avatar
      BoiseB

      Today my news feed had this story
      http://www.msn.com/en-us/news/us/us-states-to-file-new-suit-challenging-trump-healthcare-subsidy-cut/ar-AAtoUj0?li=AA4ZnC&ocid=spartandhp
      It seems that some states are fighting back. I don't know where to write about this. I think it might be the state attorney general. I am hoping E. Journeys can chime in on this.

      almost 4 years ago
    • lh25's Avatar
      lh25

      Mine are going up by $1.00, and I know how lucky that is. We changed insurance carriers at work. I get pretty decent coverage, my main concern right now of course is what will happen to those of us with Pre-existing conditions.

      almost 4 years ago
    • Jalemans' Avatar
      Jalemans

      Yep, our premium goes up & coverage keeps declining. Premiums had a big uptick when the ACA went in & I thought well at least everyone can now get insurance. Stupid me! The out of pocket cost if I would have done radiation would have been over $7000. If I had to get more chemo now, I would have to pay 30% & one of the drugs was over $10,000 per injection. If I go to my clinic to get a flu shot it was $85 last year (I go to Minute Clinic where even without insurance it is only $30). We also pay about a thousand per month. It is definitely declining fast. Interestingly, when I get a mammogram if everything is OK out of pocket in like $40, but if they find something it is $200 -- same test, same radiologist. Last year I had 5 in May so that was a thousand bucks. Am I rambling? Just drives me crazy.

      almost 4 years ago
    • meyati's Avatar
      meyati

      Boise-about a dozen state attorney generals have filed suit over Medicaid. So contact your Idaho State Attornewy General to find out if the Idaho SAG is part of this law suit and what's going on.

      Trump is keeping his promise about covering pre-existing-- It's just that with cutting the funding to help pay for this- and people choosing to not have any insurance, etc the premiums for insurance that covers pre-existing will probably go through the roof. The feds are also eliminating home care that medicare pays for. That will come out of pocket for families- think --Alzheimers becoming a tidal wave-epidemic--

      almost 4 years ago
    • BoiseB's Avatar
      BoiseB

      Thanks Meyati, I was wavering between our Governor who is a "moron" and the Attorney General who is his chief sycophant.
      By the way I think Trump will find some way to get rid of that preexisting condition clause. And he will blame it on Hillary or Obama.
      On my way to contacting the Idaho SAG First I am stopping by E. Journeys' Wall to find out if she has any ideas.

      almost 4 years ago
    • Floridagirl6's Avatar
      Floridagirl6

      My insurance premium went up, my deductible went up, and my coverage changed from PPO to HMO. The school district doesn't even offer the PPO option.

      almost 4 years ago
    • meyati's Avatar
      meyati

      No, Boise- Trump likes to tell everyone that victims make bad choices. He'll say-- Insurance was availiable, but people didn't want to sign up for it. He'll say and is saying- He's keeping his promise by offering insurance for pre-existing, and it's not his fault that people won't use it. Why should people get something for nothing? If they worked, they'd have enough money.

      Puerto Ricans are lazy and corrupt, while Texans are industrious and take care of themselves-- Never mind that Puerto Rico is hill country with lots of rivers and creeks-where the bridges were washed out to sea. The Puerto Ricans are making rope bridges, and people crawl over them like cave men.

      I'll tell you from living there-south of Houston- that area is as flat as a pancake--almost every home has 1 to 3 boats- many have big mud trucks- F250s-all types of trailers, and farm equipment. Many times my sister-in-law went to work on a boat because of flooding-she's an OB-GYN nurse. She never had to create a rope bridge or crawl over a rope bridge. Houston---friends and family drove from Cuero, Port LaVaca, Seadrift, TexArkana, San Antonio, Goliad, Kennedy, Yokum, New Orleans, Baton Rouge, Mobile, etc with supplies-water-food- to help rescue people-friends and relatives too. How can anybody drive from New Orleans or Miami to Puerto Rico?

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      I'm coming in late, but did y'all notice there are two schools of thought here for the first time----people complaining about the same Obamacare problems Trump and Republicans complain about and want to improve, which are high deductibles, bad benefits, and high prices. Until now I hadn't seen anyone on this site who wanted changes.

      GOOD NEWS, Trump signed for patients to be able to buy insurance across state lines, and also from "associations" you join or groups formed for insurance purposes to make it cheaper. at one time they said even churches can form a group to buy insurance, so check it out.

      Until now, I believe most of you didn't want changes to Obamacare, and you advocate contacting Congressmen, but never say WHY. I hate to be and apologize for being nosey, but is it because you fall into the subsidized group?

      TODAY'S NEWS ON SUBSIDIES: The latest is that Obama paid the subsidies illegally because taxpayer money expenditures have to be approved by Congress, and they were not. Trump wants Congress to take care of it, and it should happen soon. Because it's currently illegal, it won't do any good for States to sue.

      If somebody is on Medicare and is enrolled in Part D, I suggest you at least look at Medicare supplements you can use with Medicare A and B---these cost as little as $0 from companies like Humana, United Health, AARP, etc. I got a mailbox full of info lately. The "Medicare and You" book we get in the mail has a state-specific table of Medicare supplements at the back with phone numbers.

      Also doctors don't mind if you ask them to write your prescriptions for cheaper medicines or generics, so don't be shy. My BP medicines for 90 days cost me less than $1 with insurance.

      Meyati, regarding Puerto Rico---
      My knowledge is limited, but I remember when Obama was the first President to say he wouldn't "bail out" Puerto Rico financially with their bankruptcy. There was a lot said about it wasn't fair for our taxpayers to have to pay back their debts, because there are also cities in the U.S. who claimed bankruptcy, who had to pay back debts themselves.

      There's also been something said during Obama's Presidency about corruption and irresponsibility causing it. (?) I don't know details, but I read that during Obama's time.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Moral of the recent stories:

      If you are young enough to still be working, be sure you work somewhere large enough to be covered by ADA, FMLA, and group health insurance (not Obamacare).

      Teach your children and friends the same thing.

      almost 4 years ago
    • BoiseB's Avatar
      BoiseB

      Barbara. Do you realize what you just said. Don't work for or start a small business. Also if the subsidies lacked the approval of Congress why not just ask Congress to approve them. Trump must not want the subsidies. He could have just asked Congress to approve them. Now they are revoked and There has to be a bill in Congress to get them put back in. A lot of people lost health care under Obama and I thought it couldn't get any worse Then Trump proved me wrong.

      almost 4 years ago
    • meyati's Avatar
      meyati

      Thank you Boise-also don't have a farm or a ranch either because it's not big business like Boeing or Honeywell.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      BoiseB, I didn't say don't start a small business---I said look for a large employer with good benefits. An entrepreneur has a different type of personality than I do. LOL. I've never even wished to start a business unless you count transcription at home. Would you wish to start a business?

      The President can't tell Congress to approve anything---as we all know. The reason the court ruled the subsidies were illegal when Obama did them was that Congress hadn't appropriated the money, which is required. They talked about it today on FoxNewsChannel if you want to watch.

      I think based on Congress not working together to compromise this year, that Trump has done some things to make them do their job and make decisions that represent their constituents. A serious one is Trump not certifying the Iran agreement today, and passing it to Congress to work on a solution that has input from the people's reps, which Obama didn't allow when it was done originally. (He claimed it wasn't a treaty and didn't need Congressional input.) Trump did the same thing extending the deadline for DACA to pass it to Congress to write a law that their constituents would want.

      There's not enough money for the country to do everything people want, which is a good reason to stop immigration till we quit running a budget deficit of $20 trillion dollars. The more people who want part of the pie, the less each person gets.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Meyati, you said you worked as a Schoolteacher. I assume you had government benefits and didn't start and own a private school. Even if you had, that would probably be enough people to offer group insurance.

      Goodnight.

      almost 4 years ago
    • meyati's Avatar
      meyati

      Barbara-I went to work when I was in my 60s-because of my husband finding a divorced blonde younger than our daughter in what they say is the one of the largest school districts in the nation-8 high schools with 2,000 to over 3,000 students per campus. To retire with benefits, one must work a certain length of time--

      almost 4 years ago
    • Carool's Avatar
      Carool

      ("Just when I thought I was out, they pull me back in.") Just when I thought Trumputin can't get any lower, he finds a way to be even viler than he was a day ago. Apropos of everything he's done.

      almost 4 years ago
    • barryboomer's Avatar
      barryboomer

      When I was younger I was forced to stay at jobs & careers I hated to get good coverage...UGH....
      I'm on Medicare now and it's good but it goes up and I can't afford a supplement.
      Our country doesn't need better or more heath insurance we need affordable health care. Insurance is for what ifs ( roof blowing off or maybe have a car crash) EVERYBODY will get sick so Insurance is not the answer. We need a system where ALL are in including the very healthy so that brings down the costs for the sicker ones including them eventually. It's a no brainer. Go to Switzerland, France, Sweden, Australia and others and see how they do it and incorporate whatever seems to work there HERE.....Anybody who wants to keep the status quo is making a fortune off of it. I'm for capitalism/free enterprise in most industries but it doesn't work with health care. The Chemo Companies are more interested in their stock price and stockholder than patients.....It's all a mess.....No more Medicaid, Medicare, VA and Single Payer Medicare for all cradle to grave is the only answer and they all know it....While I'm at it I believe the cure for cancer should be taken out of the hands of Big Pharma and their stockholders as they have failed us all....Sorry to get off the message a bit.

      almost 4 years ago
    • lh25's Avatar
      lh25

      BarbarainBham - we looked a little what I think was one of the Associations you mention, we heard it advertised on local Christian radio. What bothered me was that you had so sign a pledge about what behaviors you would and would not engage in, and that they didn't have any rules about what they would cover laid out like an insurance policy would. It was more case-by-case and depending on what the members decided. That's more uncertainty they I wanted to live with. And this was before my diagnosis.

      I'm wondering if anyone here has been in a group like that.

      almost 4 years ago
    • meyati's Avatar
      meyati

      I really admire how Trump treats his friends and supporters like Tillerson and Sessions-and for some unknown reason -maybe duty and honor- they are still hanging in there.

      When he treats friends and supporters like that-I don't see him being any nicer to people that he doesn't know, and some only supported him with a vote-most did not.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Ih25, I'm not an "advocate" for associations because I have insurance, but there has been at least one WhatNext member(s) who posted that their family loved their association policy. It's also possible to create a group or association to fit your own needs. It sounds like the trick is to group with people who want what you want. For example, I used to be a chain smoker, quit 20 years ago, and I'm POSITIVE I would never smoke again. Not covering smokers and other non-healthy behaviors would definitely be an easy way to save money in a group. Keep your eyes open for something you like. If you didn't like the generic one on Christian radio, maybe your denomination can offer one that you agree with, or could suggest amendments to.

      Carool, I assume you are talking about the subsidies that the court said were being paid illegally under Obama. Don't you think it's healthy for the country to require that Congress (the "people's reps") appropriate the money instead of a President? I think it's required by our Constitution. It's our insurance against a Dictator deciding where taxpayer money goes.

      Barryboomer, we have supplements in Alabama that cost $0 a month and cover co-pays and other things. The catch is you agree to go to a specific network of doctors, which isn't bad. Look at the back of your "Medicare and You" book for the list for your state. Call Medicare if you need help. There are also programs you may qualify for to pay partial premiums that are not as strict as Medicaid.

      Meyati, Sessions is Alabama's favorite son, so I cringed when I heard him publicly criticized. However, it's practical to compartmentalize when judging national policies. Remember when we had to do that with Bill Clinton and his activities?

      When I suggested looking for a large employer with good benefits, we were just talking about health insurance and on another thread about ADA rights and other labor laws that cover health problems. Pension benefits are a whole different topic, but the State of Alabama Employee pension laws say that ex-wives are entitled to half of the ex-husband's retirement benefits for the number of years they are married, but only if they claim it. I don't know if other states are like that, but Social Security pays a widowed ex-wife his full SS benefit.

      almost 4 years ago
    • Carool's Avatar
      Carool

      BarbarainBham, no, your assumption is all wrong (and I assume you knew that). Please, the next time you assume anything about me, assume that I'm talking about waking up every day worried about:
      - a nuclear war with NK
      - living in a country in which a racist, sexist, anti-Hispanic, anti-Muslim, anti-LGBTI, anti-Semitic, anti-science, anti-environment, pro-Nazi, psychopathic, POS illegitimate-President with dementia is trying to destroy our democracy and Constitution.
      - losing our First Amendment rights (see: destroying our Constitution)
      - Trumputin as Dictator

      and many more.

      almost 4 years ago
    • meyati's Avatar
      meyati

      Barbara-- the catch is in an X wife collecting SS-even after 30 years of marriage. Congress effectively passed a law in the 1980 that prevents most X wives from getting anything from military retirement-even after 20 to 40 years of marriage

      Barbara-- I am not talking about Bill Clinton- he was from last century---I am talking about problems that we have right now

      Democrats faced Clintons problems with investigations and he was IMPEACHED by a joint Congress---they voted the way they wanted to----Maybe in Mississippi- Democrats were in denial at that time---Meanwhil;e tell me who Clinton personally betrayed besides Hillary?

      So CAN WE TALK ABOUT THIS CENTURY? WOULD I PUT BILL IN THE SAME ROOM THAT HAD A WOMAN? NO-but what does that have to do with the current President that publically stabs his friends in the back?? They traveled together, they drank together, they shared dreams together. So my question- is how can we trust TRUMP---Please tell me without going into ancient history.

      almost 4 years ago
    • lh25's Avatar
      lh25

      BarbarainBham - I actually get good coverage through my job, and my husband is on my policy. We were looking as much out of curiosity as anything, and to see if it would be an option if we needed one someday.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Carool, sorry, but you didn't say before.

      Meyati, that's odd about military retirement, because SS pays ex-wives after 10 years of marriage.

      My analogy about Trump and Clinton was to illustrate compartmentalizing a President with personality problems, and when it occurred isn't relevant to compartmentalizing. I sure don't think their personality problems are OK, but the election is over and we have no choice right now.

      I think Sessions has learned what Trump is like and will be wary of trusting Trump again, but in the meantime Sessions has the job he wants and will be able to work for honest Americans. Sessions has cracked down on arrests of international gang members who commit heinous murders and also the drug cartels. Sessions is a good guy for AG, so I hope Trump will leave him alone. I was hoping Kelly would stop Trump from tweeting insults, but I guess Kelly needs to stay with his wife during the morning hours!

      By the way, Corker from Tennessee (or Texas?) was Trump's friend also, although Sessions was first. I think they all "use" each other, and it probably only hurts the first time before they know better. (sad, I know) Ran Paul and Lindsey Graham have been playing golf with Trump lately, AFTER being insulted. Both have proposed policies to Trump.

      They all look good when they do good for America, which is WHY I normally trust them. They know they'll be voted out if they don't!

      By the way, you don't think I'm from Mississippi, do you? Conservatives everywhere were well aware of Clinton's obstruction of justice charges that Democrats ignored and pretended were about sex. Clinton did lose his law license because of it.

      almost 4 years ago
    • meyati's Avatar
      meyati

      My husband had to go to his Congressman, Tom DeLay in Houston, for me to start collecting Social security. I was missing a few quarters from being a Navy wife that followed her husband. My daughter-eldest-went to kindergarten in 3 states-and she didn't fail either.

      SS just told me -no- The kids got hold of their father about this. He went into the local SS and they said PRIVACY LAWS prevented him in me collecting SS on his account. He went to Houston and talked to Tom DeLay. Tom DeLay added my privelege to collect SS on a congressional bill. George W. Bush signed it into law. It took about 8 months for me to collect SS after my husband got all of the paperwork.

      I will add that when he passed-one of his relatives filed for my survivor SS and survivor naval pay. Most of the papers-mariage license-were lying around. They got a name change and texas driver's License.
      I didn't have a red cent coming in for 3 months. What's disgusting is that Navy pay was from an insurance policy the navy offered wives. I went to professional FAX service over and over for each one. I would have been homeless and probably dead, if my kids and grandkids didn't love me.

      Social Security and Navy were real nice to me. I didn't have to get a lawyer and it didn't drag out.

      almost 4 years ago
    • PattyMarie's Avatar
      PattyMarie

      I remember when the ACA came out, there were good intentions, simply to provide health insurance for anyone that needed it. Being an insurance agent for an entire career, I thought this might put me out of a job, but I was wrong, there is still a need, especially now, for someone to help people navigate the truth about all of this political crap that has been injected into what should be a simple thing.

      As for Trump, if anyone thinks that he is doing anything to help people with healthcare, they are highly uninformed or have drunk too much kool-aid. The latest cutting of subsidies was simply his further attempt to dismantle the ACA. Since he couldn't do what he campaigned on that he would do, remember "REPEAL AND REPLACE OBAMACARE"! His own party wouldn't agree with him, so he's taking shots at killing it any way that he can. Cutting advertising for it so people don't know when it's time to enroll, cutting subsidies, shutting down the website where you get enrolled for it during several weekends of the enrollment period for "website maintenance", and more. All while touting that the "program" is a failure. He will kill it any way he can because it doesn't have his name on it. So I'm not confident that my customers who are in this category/classification, will have anything to cover them. Remember the "replace" part? They have nothing to replace it with, but he will kill what's there or go down trying. I have hundreds of customers/clients that are in a pickle and will be worse. Health and Life insurance are complicated even without all of the political crap that has been piled on them. Most people don't have a clue what is going on, they simply repeat the "talking points" of the day that the political party of their choice is pushing that day. The ACA is probably going to get killed, the things that Trump is killing are things needed for it to make it. The plan cannot cover only sick people and be feasible. Insurance companies cannot stay in business by covering sick people and paying out more than is being taken in for premiums. It's a simple business point. That would be like covering houses that are on fire with fire insurance. That's NOT how insurance works.
      There has to be a mixed pool of policyholders, young, middle-aged, old, healthy, sick, black, white, etc. It must include a sample of the US, some of EVERYTHING. This is the first, simple requirement for it to work. The things that Trump has been killing are the very things that are needed. For any replacement to work, it has to include all of those things in large numbers. But sadly, most politicians don't have the stones to come up with, support and vote for the things that would make a plan like this work.
      As for the budget, do you remember Trump bashing Obama for playing golf? Trump said he would be too busy working to be playing golf. Less than one year later he has had more golf trips than Obama had in his whole tenure. The worst part of that is that most of them are at his own clubs. He is making millions off of the American taxpayers simply by taking weekend trips to his own Hotels and resorts. His private clubs upped their membership fees by 100% when he was elected, simply because he was now President, nothing wrong with that, it's business. But anyone who thinks that Trump did a "great and noble" thing by not taking a salary, is blind. He is making millions off of the people. The secret service has already used more in the budget than at any time in history for protecting a president. They were even forced to pay for rooms in his hotels where they were stationed to protect him. Seems like a conflict, but I'll not get into that.

      This healthcare issue is sad, people like us that have pre-existing conditions, and can't afford the premiums that private health insurance are getting to are out in the cold. Those who worked at a government job, or a large corp. like Barbara suggested are in a much better position now. But, the jury is still out on that, those benefits could change too. Not everyone in the Country can work for FedEx or the gov., somebody has to do the back breaking jobs that others can't do or won't do.

      Any way you cut it, this is a mess, untill the politics are kicked out of it and a plan is put together solely based on covering the masses, NOTHING will ever get done.

      This is just my 25 years of being in the Insurance Business talking, and my observations. We will see if the current party can come up with something, but given their failure so far, I doubt it.

      I wish you all good health, and some kind of coverage!

      almost 4 years ago
    • meyati's Avatar
      meyati

      Thank you PattyMarie----It is so scarey to have a President that makes EDICTs and his cabinet heads follow through with department regulation changes. I've been saying this is what a dictator does. Trump didn't need to pass anything- just make an edict. and change regulations.

      almost 4 years ago
    • geekling's Avatar
      geekling

      Right.

      Unless you inherit 11 million dollars about 45 years ago and can use your Dad's contacts to lure sympathetic investors to a point where they would be happy to get back ten cents on a dollar and understand or have an attorney who understands the finer points of bankruptcy laws, much better to work for someone else.

      It also helps to be a bully and have a pedophile/rapist pal or two in the entertainment industry so you can get a good paycheck from simply being "noteworthy".

      So the secret to such "success" is to inherit. Everyone else shaddup and roll over while munching down vienna hot dogs and skittles from a dog bowl with your assets conveniently accessible for a good shafting.

      Bah humbug.

      almost 4 years ago
    • geekling's Avatar
      geekling

      And the idea that a person used to have a bad habit/addiction but now has overcome it and has zero compassion for those still addicted is such an abomnable and selfish attitude that, if everyone felt that way, the human race would quickly become extinct.

      We are here to assist and uplift the least of us which is what makes us strong as a species. The beasts of the fields know this. It is quite sad as well of a source of dumbfounding amazement that a cancer survivor can be, after experiencing torturous treatments, so unconcerned about others.

      And so it goes.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Geekling, I think in the U.S., inheriting money is not important to success. In fact, many people born into a financially comfortable family don't naturally learn the get-up-and-go attitude that hard workers have. It's not their faults necessarily, because they don't know how it feels to live paycheck to paycheck, or without a paycheck. Good parents can purposely teach that trait, but it isn't a given.

      Who and what were you talking about who's "addicted"? (Please don't tell me you're referring to Harvey . . . and sex. I'm so tired of the over-reporting about that.)

      I hope your situation in Florida is better.

      almost 4 years ago
    • Skyemberr's Avatar
      Skyemberr

      Shes referring to you saying that you think smokers shouldn't get help or sympathy or coverage since you say you yourself quit. And it would save us money.

      I have a mother who is mentally ill and has been smoking since she was 16. (over 50 years) Big tobacco got her addicted and her mebtal illness kept it that way. Now she has COPD and is incredibly ill.

      By your reasoning if she gets cancer she should just sit up in her cabin and rot because it would save us some dimes.

      Fox News is not a decent place to get your news. They lie constantly, almost as much as this president does. They are his biggest cheerleaders. My advice to you is that you should try watching cbs or nbc and then following up stories there with two other sources that aren't infowars or breitbart.

      Our country and the GOP is being destroyed by Trump and his whims. I too am awake at night thinking about NK, Iran, and health care.

      almost 4 years ago
    • Whitey61's Avatar
      Whitey61

      Retired 5 yrs ago, have large Biotech company Retiree private medical insurance and have seen my monthly premium increase by $200.00 each year to a present 1200.00 a month..can hardly wait to see this years increase?

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Skyemberr, I'm shocked! You said: "Shes referring to you saying that you think smokers shouldn't get help or sympathy or coverage since you say you yourself quit. And it would save us money. I have a mother who is mentally ill and has been smoking since she was 16. (over 50 years) Big tobacco got her addicted and her mebtal illness kept it that way. Now she has COPD and is incredibly ill. By your reasoning if she gets cancer she should just sit up in her cabin and rot because it would save us some dimes."

      I didn't say any of that! You took my comments totally out of context and gave them a good twist of imagination! I was replying to Ih25, who was checking into insurance and said the association she looked into made you sign a pledge not to participate in certain behaviors. After stating I wasn't an advocate for associations, I said:

      "It's also possible to create a group or association to fit your own needs. It sounds like the trick is to group with people who want what you want. For example, I used to be a chain smoker, quit 20 years ago, and I'm POSITIVE I would never smoke again. Not covering smokers and other non-healthy behaviors would definitely be an easy way to save money in a group. Keep your eyes open for something you like. If you didn't like the generic one on Christian radio, maybe your denomination can offer one that you agree with, or could suggest amendments to. "

      An association is only a group of people, relatively SMALL, who buy insurance together. I worked ten years for an internationally known pulmonary doctor who received millions from NIH to research smoking cessation, so I'm really an advocate for smokers. It's just a fact that we have many "non-healthy behaviors."

      Regarding watching FoxNews, CBS, or NBC----you assumed that I don't watch CBS or NBC. I've never heard of "infowars" or been on breitbart.com, so I guess you made a mistake! It's not appropriate to take out your anger on me or anyone on this site.

      I've told people before not to try to put me in a peg, because you can't.

      almost 4 years ago
    • Skyemberr's Avatar
      Skyemberr

      Actually @BarbarainBham i was just really horrified but what you said, whether it was about a Christian health care group or any group, and you asked [email redacted] was referring to. I know what you said. I tried to quote it in fact, but my phone was only letting me select all. I was telling you what she referred to, and saying that it horrified me, as someone who is currently trying to get care for her very ill mom who fits the profile of what you were describing.

      As to the rest, i don't know what you watch, aside from Fox, because you mentioned that. I told you the same thing I tell everyone who comes into a discussion with me who watches Fox. They are not dependable. It's better to get your news from a mainstream source and then fact check it if you have questions. If its something you're passionate about you should try for at least two sources. Factcheck.org is a decent site to start with.

      I tell EVERYBODY to stay away from Breitbart and Infowars because those two sites are the thrust of the white nationalist movement and were gleefully unapologetic when the neonazis marched and murdered in Charlotte. If me assuming you'd want to stay away from that offends you, I apologize. I told my mother in law the same thing, so it was not advice given exclusively to you.

      almost 4 years ago
    • kalindria's Avatar
      kalindria

      Talk to the social worker at your hospital or treatment center. It took me six months and many many tests to get diagnosed and then I went straight into chemo which wasn't cheap. The hospital insurance department was able to cap my bills at ten percent of my income and saved me a ton of money for which I was every so grateful. It wouldn't hurt to ask.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Skyemberr, I can't understand your first sentence above because it was redacted and something else missing. This is a reminder that we are on a support group site for cancer patients to receive support and feel good. It's inappropriate to insult, attack, or be rudely sarcastic to anyone here.

      I said NONE of the things that angered you. An association is a small group of people, not the country, and I never implied I would join one---it was a hypothetical situation about saving money, not a comment about smokers. In the future please take my words in context as I say them, and don't assume anything, add anything, or use your imagination as an excuse to attack me.

      You forgot to comment on ABC, but I'm someone here that says mainstream media is biased and does opinion pieces rather than news. I believe only what I hear a politician say themselves, because their words get so embellished by newscasters, and people are so happy to further embellish motives. Neo-nazi and white national movement are trendy terms most people don't even understand.

      almost 4 years ago
    • Carool's Avatar
      Carool

      Barbara, I think everyone understands what "Neo-Nazi" and "white national movement" mean. If they are trendy terms, as you say, it's been a long-living trend. Unfortunately, they are terms that have been long been applicable to groups here and abroad. And Trump has emboldened them.

      almost 4 years ago
    • meyati's Avatar
      meyati

      Barbara--sometimes-people don't understand what we write-and it's not their fault at all. That happens to me when I write. We all misunderstand what each other say-- Honestly--sometimes I think- OMG- I don't think that I said what I wanted- I go back and say- Yes-I did want to say that. Sometimes I delete it-or I end up apologizing.

      We all have different trigger points-somebody got so mad that they called me unAmerican and to leave it- Of course I got mad at that--I finally decided to ignore that person- I wrote her and told her that I'd leave her alone- and please leave me alone. About 6 months later she came after me and rode me hard-spurring me up one side and down the other. I called her a cheat- she left me alone after that.

      you've stated your intent to share links and facts. As a friend--let it go. Many times you and Shelly share links- Geekling also--but if a person doesn't want to use the link-fine- the 3 of you shared and tried to help. There isn't anything else for you to do but know that you tried.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Meyati, thanks for your kind concern, but I don't share links unless it's the NIH Cancer Center list or ADA, and who is Shelly?! LOL!

      almost 4 years ago
    • meyati's Avatar
      meyati

      Buckeye Shelly She gives good advice about health insurance. Every so often she tells us what she does, but I don't remember the exact description--I think she's a claim insurance adjustor that works in claims-appeals- ejourneys is super great too. Everyone has their area of interest--

      almost 4 years ago
    • Skyemberr's Avatar
      Skyemberr

      @BarbarainBham all the site did was redact me mentioning @geekling apparently because my little phone here didnt put a space in front of it. I brought her up because you didnt understand what she was talking about in the post before mine. I was trying to explain that to you.

      I'm beinh straight up with you. What you said about putting people like my mom in another group offends me. To me thats the short road to XXX when we doom our elderly, mentally ill and disabled citizens to poor care because we think one disease is more moral than another, etc. I'm sorry if you don't like what i have to say about it. We're not always going to agree.

      As to media outlets, I could sit and name them all day long, but it is a waste of my take to do that and i have better things to do, like get well. If you think Breitbart is a great idea, then ignore my advice and march off with them. However, I'll say it again, I told you the same thing that I tell my family members, you're better off away from that sort of poison.

      You seem to want to pick a fight over something you said and are now twisting around, calling me imaginative. I'm not imaginative. I'm dying. I dont have the time to play silly games on a site that I come to to help others and myself.

      I seem to recall that you've given me lots of support in the past and I STILL don't bear you ill will. Peace.

      almost 4 years ago
    • BuckeyeShelby's Avatar
      BuckeyeShelby

      Geekling calls me the "insurance whisperer". I don't know if I deserve that title, but hey! I used to be a claims adjuster for workers' comp. Now, I'm a quality assurance analyst for a medical TPA. Fancy way of saying I audit customer service phone calls "for quality and training purposes". I make sure our little darlin's are nice to both patients and medical providers while providing correct info. And I've gotten people fired for being nasty little pieces of expletive deleteds. Some people shouldn't be in a service industry...

      And there have been people on the boards who have annoyed me. I just ignore them. And some who used to bug the snot out of me, I now kinda like. Go figure.

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Hey, BuckeyeShelby! Of course, I know you, but I know Meyati talks to a few people on the phone, so I immediately thought one of them was named Shelly! I always appreciate your comments. Have a good day!

      almost 4 years ago
    • BarbarainBham's Avatar
      BarbarainBham

      Skyemberr, I agree with Meyati that it's time to let this go. I try hard not to insult anyone on this website. I was talking about a hypothetical situation, and I didn't mention your mother at all. An association is small and wouldn't have anything to do with your mother's insurance.

      I'm sorry your mother is sick and you are dying, which I understand is scary. My sympathies go out to you, and I hope you have good care. Wishing you the best.

      P.S. Remember I said I've never been to the Breitbart website. I get my news from watching live speeches, interviews, and press conferences, so I know what was actually said. That way I can tell when controversial stories break and the media is embellishing and making untrue inferences. Yesterday I watched AG Sessions testifying to Congress about something he said previously that was misrepresented.

      almost 4 years ago

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