another medical question->

[ZenMachine]

So if I go to a local doctor or hospital I could just get treated and have them bill me? even though I have no insurance?

Well it has worked for me, but I got to tell you, I am pretty much from a different world.

In North Dakota we don't have to lock our doors.

Zen

 

[musclebrains]

Is that for non life threatening also?

Well, yes, I think so. MEzz should contact her local hospital authority.

 

[rudedawg]

Well, yes, I think so. MEzz should contact her local hospital authority.

Mezz is a her???? Hell I didn't even check.

Well sweet talk them then girl!

 

[Mezzanine]

No I am definately a HIM....lemme check....yup- penis is where it should be.

 

[Sapphire]

You can also try Golden Rule insurance. I just signed with them for $130/month. That covers doc visits with $35 co-pay; prescription at $25 and 70/30 for major medical. Also, once you submit the app and are approved you decide when the effective date is! So, if you send the check today, you could see a doc tomorrow and when they call with your approval tell them you want you insurance to kick in on the date of the visit....they are pretty flexible especially for the "unemployed".

Best of luck...feel better.

 

[rudedawg]

You can also try Golden Rule insurance. I just signed with them for $130/month. That covers doc visits with $35 co-pay; prescription at $25 and 70/30 for major medical. Also, once you submit the app and are approved you decide when the effective date is! So, if you send the check today, you could see a doc tomorrow and when they call with your approval tell them you want you insurance to kick in on the date of the visit....they are pretty flexible especially for the "unemployed".

Best of luck...feel better.

The pre-ex clause is going to cancel that idea out. If he puts the back problem on the app they will put a rider or waiver on his back. If he doesn't then as soon as a claim comes in they will do a check.....when they find that it was a pre-ex condition then they will refund premiums and say see ya later.

BTW.....that Golden Rule plan you are on has a $1000 co-pay for hospital services along with the $500 or $750 deductible then it is 70/30 until your out of pocket is $3500 in coinsurance. So if you had a major surgery....... $1000 Co-pay plus $500 Ded plus $3500 Co-ins. Total out of pocket for a bill at or over $13500 = $5000 for ya.

Not to mention the Dr office co-pay applies to the Drs charges only.......x-ray and lab work that is sent out or done outside of the Dr office is deductible and co-ins. RX card has a $100 Ded on it. Mammos and paps are ded and co-ins. Preventative (annual physical) is not covered the first year and after the first year they only cover a max of $150, and any lab work in connection will be ded and co-ins.

the worst thing about them tho is the fact that they re-underwrite their policies every year. In other words if you used the insurance then they are going to hit you with hard increases.

 

[Longhorn85]

man i love free healthcare in canada

Nothing is free. you guys have astronomical tax rates. But since you have no major national defense budget to worry about (who is gonna fuck with Canada? The US would kick their ass first), and live next door to the world's best trading market, it's not such a problem for you.

So why do many Canadians come to the US for major surgery?

 

[BackDoc]

On a side note, regarding premium for individual plan benefit coverage (not group) consider yourself lucky based on the quotes given above...

I pay over 600 dollars a month at the highest deductible allowed...additionally, members of my profession have found it very difficult to get disability insurance at a reasonable rate...on top of that I have not been able to find a company willing to consider me for life insurance.

Poor me. boo hoo.


There has been some good advice given already.

 

[rudedawg]

This is going to depend on how the application is worded. If it asks if you've ever been treated by a physician for back pain, and you say no, which is true, then it may not be pre-existing. If they ask if you've ever EXPERIENCED back pain or trauma...well, this is where you need to be honest to your detrement.

This question on the app leaves little to doubt (almost all health insurance apps word their questions like this:

In the last 10 years haas any applicant had any indications, sign, symptoms, diagnosis, or treatment of any disorder or disease of the

c.) joints or spine?

And if that one doesn't this one surely does.

In the last 10 years has any applicant had any indication, signs, symptoms, diagnosis, or treatment of any disease, disorder, injury, or adverse finding, or had any abnormal or adverse test results.

 

[rudedawg]

On a side note, regarding premium for individual plan benefit coverage (not group) consider yourself lucky based on the quotes given above...

I pay over 600 dollars a month at the highest deductible allowed...additionally, members of my profession have found it very difficult to get disability insurance at a reasonable rate...on top of that I have not been able to find a company willing to consider me for life insurance.

Poor me. boo hoo.


There has been some good advice given already.

What company are you with? Is that a rate for just you?

Why can't you get a life insurance policy? If it is just because your a chiro I guarantee you I can get you coverage.

Disability ins and reasonable rate don't go hand in hand unless it is a piece of shit plan. But at the same time you get what you pay for.