The Cellar  

Go Back   The Cellar > Main > Health

Health Keeping your body well enough to support your head

Reply
 
Thread Tools Display Modes
Old 03-15-2018, 09:42 PM   #1
monster
Cracked Widow
 
Join Date: Dec 2005
Location: Perpetual Chaos
Posts: 28,570
Why Is U.S. Healthcare So Stupid?

My sprogs have no healthcare as of beest's death. Good News ...his company will pay for COBRA for them for 12 months. Once they get the ppwk to me and I return it. A few weeks. Meanwhile, we have to pay out of pocket (i.e. megabucks because no insurance to limit doc fees etc) if they need anything. But don't panic, COBRA will be backdated and then we will get reimbursed.... **

and then...... COBRA doesn't cover vision, only health and dental. Vision is the cheapest of the three. And my youngest has an eye test scheduled that I rescheduled from when beest was pretty sick (when he was still covered)..

good news. They can switch to my insurance (same options as me only) within 30 days of a "Life Event". Fortunately I have vision, so they can get that.

So, does this mean we have to forgo the free insurance paid by Beest's company and put them all on mine now? No. Because apparently his death is not the "Life Event". Losing their insurance is. So they had a "life event" on the day he died -when they lost their vision insurance- and they will have another on the same date in 2019 when they lose the rest of it.

how fucking fucked up is that?

** also don't panic and set up a GoFundMeWhatever to help us out with this in case we need it because i know you are all awesome and would do that in a heartbeat if you didn't know that we planned for this kind of crap , I can cover this kind of shit, I'm just whining about stupidity
__________________
The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
monster is offline   Reply With Quote
Old 03-15-2018, 09:47 PM   #2
Clodfobble
UNDER CONDITIONAL MITIGATION
 
Join Date: Mar 2004
Location: Austin, TX
Posts: 18,493
Quote:
Originally Posted by monster
(i.e. megabucks because no insurance to limit doc fees etc)
I know it's not much in the grand scheme, but be sure to tell any doctors you see in this window that you are paying out-of-pocket. They don't advertise it, but most give self-paying patients a 20-50% discount right off the top because they know they're overbilling insurance (or billing the extra amount necessary to cover the salary of the person who has to deal with insurance filing, however you want to look at it.)
__________________
My book
My spirit animal
Clodfobble is online now   Reply With Quote
Old 03-15-2018, 09:48 PM   #3
monster
Cracked Widow
 
Join Date: Dec 2005
Location: Perpetual Chaos
Posts: 28,570
yes, thanks. Hopefully we won't need to at all. but how stupid is this?
__________________
The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
monster is offline   Reply With Quote
Old 03-15-2018, 09:56 PM   #4
Clodfobble
UNDER CONDITIONAL MITIGATION
 
Join Date: Mar 2004
Location: Austin, TX
Posts: 18,493
Oh, super stupid. So stupid that when I start telling people about the hoops we've jumped through and contradictions we've faced, they think I'm making it up. The most common criticism of my book has been that I was unfairly mean and surely hyperbolic toward the insurance companies--but it only ever comes from folks who haven't had to deal with them.

That's awesome that his company is paying for the year of COBRA, at least. COBRA is usually a joke because you're only being given the "opportunity" to pay for it yourself.
__________________
My book
My spirit animal
Clodfobble is online now   Reply With Quote
Old 03-15-2018, 10:21 PM   #5
monster
Cracked Widow
 
Join Date: Dec 2005
Location: Perpetual Chaos
Posts: 28,570
exactly. that was a nice surprise last week when I went to collect his personal effects from them (before he died because not so good at the people and sympathy thing.... ...plus it was on the way to the airport to pick up Banana Lady which gave me an excuse to do it quickly yada yada yada)
__________________
The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
monster is offline   Reply With Quote
Old 03-16-2018, 06:26 AM   #6
Griff
still says videotape
 
Join Date: Feb 2001
Posts: 22,548
Well played.

In America healthcare is for working healthy people.
__________________
If you would only recognize that life is hard, things would be so much easier for you.
- Louis D. Brandeis
Griff is offline   Reply With Quote
Old 03-16-2018, 07:08 AM   #7
glatt
 
Join Date: Jul 2003
Location: Arlington, VA
Posts: 26,020
Quote:
Originally Posted by Griff View Post
Well played.

In America healthcare is for working healthy people.
It's also pretty good for the elderly. Unless you need to be in a nursing home.
glatt is offline   Reply With Quote
Old 03-16-2018, 08:28 AM   #8
monster
Cracked Widow
 
Join Date: Dec 2005
Location: Perpetual Chaos
Posts: 28,570
Yeah beest wanted to go away to hospice to die, but insurance didn't cover that. He had to stay at home
__________________
The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart
monster is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

All times are GMT -5. The time now is 04:37 PM.


Powered by: vBulletin Version 3.8.1
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.