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Thread: fucking insurance (warning: rant)

  1. #1
    God/dess Pretty_Penny's Avatar
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    Default fucking insurance (warning: rant)

    i'm tired of looking for health insurance. i can't find any plan that's reasonable and actually covers anything worthwhile. i know i'm in the boat with billions of others and that the story isn't new...

    but jesus christ. i'm so sick of it. i have a bunch of things i need to take care of and i can't. sure, i could just pay out of pocket to go to the doctor, but they're going to need to do tests on my skin patches (i have psoriasis), blood work, probably xrays or scans on my knee and hip (been having pain for months and months).. etc. etc. and there's no way i can afford that stuff out of pocket.

    all these issues i've been putting off because i just see the endless amount of bills ahead.

    i'm tired of looking at plans. none of them seem to work for me. i'm tired of the fact that my asthma meds/psoriasis meds/allergy meds cost retarded amounts of money. i'm tired of not knowing wtf is wrong with my knee or hip or why my skin is suddenly getting much worse.

    i feel helpless.

    this shouldn't be a fucking luxury.

    i bought like one pair of pants and a couple 10 dollar shirts in the last few months (and some shoes and an outfit for work) and i felt guilty as sin every time. if i buy make-up i feel guilty. every single penny i spend that isn't being saved or isn't going toward a bill, i feel guilty.

    i'm sick of it.

    i still am trying to save for the stuff i mentioned needing for school before (camera/macbook), but every penny saved is a penny not going to doctor's visits, so i keep putting them off longer.

    every time i have a good day at work (which isnt often anymore) something breaks down or some new bill randomly hits me. like my car insurance goes up or my boyfriends car breaks down or my dog needs an 800 dollar surgery.

    i know a lot of people are dealing with similar situations.

    it's just...... goddamn it. it's frustrating.

    i'm going to be 29 on the 22nd of this month and i'm still renting and have no credit history. i feel like a loser.

    *sigh*

    that is all.

    and i vow not to make any new threads about this. this is my second this year, and two is two many. i'm not fond of whining. i just needed to vent. now that i have, there's no more point in doing so again for the same reason.

  2. #2
    Peanut_Butter
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    Default Re: fucking insurance (warning: rant)

    I know EXACTLY how you feel.

    I finally was forced to get insurance for school, and I was disgusted by the crappy insurance I could find. high deductibles, high co pay's. I mean, why get insurance if you have to pay out 3grand anyway before you can use it? wont it just be cheaper to pay the damn doctor with no insurance? And the co ipays. Pay the insurance company $150 a month, and still pay out of ppocket 30% of the biill. After the 3 grand deductible. It'w worthless.

    Luckily, i finally found decent insurance. it's $188 a month, but no deductible, and the co pay is only $10 for office visits, $20 for specialists, and $10 for prescriptions. It sounds great I cant wait to get t and take care of all my shit.

  3. #3
    BrunetteGoddess
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    Default Re: fucking insurance (warning: rant)

    Hey, that sounds great PB, where did you even find it??!

  4. #4
    ajbaer
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    Default Re: fucking insurance (warning: rant)

    try humana one I got great insurance from them and it was cheap.

  5. #5
    God/dess scarlett_vancouver's Avatar
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    Default Re: fucking insurance (warning: rant)

    With the health care system the way it is down there, I'd think your best investment might be to learn as much as you can about nutrition, prevention, alternative therapies and herbal medicines. At least then you have some real control over your health.

    Feature costumes for sale!

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    God/dess kitty260's Avatar
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    Default Re: fucking insurance (warning: rant)

    US healthcare makes me cry. I'm so sorry, Penny.
    \

  7. #7
    God/dess Bunny's Avatar
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    Default Re: fucking insurance (warning: rant)

    yeah, trying to get insurance sucks. I feel your pain.

  8. #8
    God/dess Pretty_Penny's Avatar
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    Default Re: fucking insurance (warning: rant)

    what makes matters worse, is when i ask people opinions on it and they say something like

    "you mean getting insurance ON YOUR OWN??? like NOT through your work???"

    and i reply

    "yes"

    and they're like

    "ooohhhh................................" and then something about how it's impossible/not worth it/etc.


  9. #9
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    Default Re: fucking insurance (warning: rant)

    i have aetna that i got for 138 a month and it is great so far. I paid 35 dollars for a an almost 300 dollar prescription. I think my doc visitis are 15 or 20 a visit.

    ehealthinsurance.com

  10. #10
    Peanut_Butter
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    Default Re: fucking insurance (warning: rant)

    Quote Originally Posted by BrunetteGoddess View Post
    Hey, that sounds great PB, where did you even find it??!
    Found it through ehealthinsurance.com,
    but the insurer is Health Plan of Nevada.

  11. #11
    God/dess Pretty_Penny's Avatar
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    Default Re: fucking insurance (warning: rant)

    i guess i'll check out ehealthinsurance.......

  12. #12
    God/dess virgoamm's Avatar
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    Default Re: fucking insurance (warning: rant)

    I know how you feel. Health care should be a right, not a privilege. If everyone else around the western world can do it, why can't we? The thought of all the uninsured people in this country makes me sad, and it's just getting worse. We need universal health care so bad. Good luck, Penny-I'm in the same boat and it blows.

  13. #13
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    Default Re: fucking insurance (warning: rant)

    healthcare varies in the US from county to county and state to state. i've had plenty of free or cheap private and government healthcare in the US. but it's a state by state thing, because individual states in america often=entire populations of other countries.

    it's easy to pay for healthcare for everyone when your country's entire population=one US city.

  14. #14
    God/dess Dottie Rebel's Avatar
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    Default Re: fucking insurance (warning: rant)

    Hey, I know it's not ideal, but if you're desperate...Starbucks insurance is actually great. You qualify for full insurance is you work 20 hrs/week for three months.

  15. #15
    Member JRA33606's Avatar
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    Default Re: fucking insurance (warning: rant)

    In Florida they have CHPA's that small businesses and self-insured individuals can purchase.

    The best approach is to get with an insurance company to take advantage of their discounts. If you go in as an individual, you will pay 2 to 3 times more for your services.

    Second, get a high deductible plan like $3000-$5000 and open up a Health Savings Account. Any money you put in is pre-tax dollars.

    Stick with the plan long enough and the pre-X period will go away and then you can get everything covered as an eligible charge.

  16. #16
    God/dess Polekitten's Avatar
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    Default Re: fucking insurance (warning: rant)

    Threads like this make me so thankful for the great healthcare service we have in the UK. I bitch about it all the time but at the end of that day it would be horrible to be ill and not be able to afford ton go to the doctor. I'm sending you hugs PP. x



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