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another medical question->
- Thread starter Mezzanine
- Start date
smallmovesal
New member
man i love free healthcare in canada 
So do you think I should get coverage and not tell them about the back problem and then go see a doctor after the coverage goes into affect? I think Acupunture is the only thing that will most likely help, unless I have a slipped disc or something. I tried to get free care through county medical services but if your employed you have to have pay stubs(I work under the table) and if your unemployed they want a letter from whoever supports you. Pain in the ass!! Our medical system sucks! I could have my girl fill out the letter saying she supports me but then they also want me to file for unemployment which I would rather not do seeing as how I am working and all(of course they dont know that)- its a big mess. I just need to get my damn back fixed so I can go back to the gym!!! 
4 months of daily pain is getting really old....
-Mezzanine
??<<-->>??
4 months of daily pain is getting really old....-Mezzanine
??<<-->>??
Lao Tzu
New member
spatterson said:
I don't get it. I've looked at med. insurance quotes for myself, and the usually only come to about $34 a month. How did you get $200 a month? spread out over 3 people that is still $60 each. Of course the $29 quote is for PPO insurance.
Mezzanine, try
http://www.quotesmith.com/index.html#Medical
or
http://www.ehealthinsurance.com/ehi/index.html
However, i have no idea really. With a pre-existing medical condition insurance will probably be alot higher. I just signed up for a dental plan (a plan is different from insurance. Instead of the insurance paying Everything but the deductable, a plan gives you a 60% or so discount on treatment if you visit dentists on a list.) Medical plans are sold too, they are usually called 'medical benefits' or 'discount medical plans'.
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CrimsonKing
New member
Care and Insurance
Bro -
If you go to a major hospital in your area they MUST treat you with or without your ability to pay. This is because the Federal Government requires providers that take Medicare/Medicaid to provide care to everyone.
Also, if you are really down on you luck you may be able to qualify to Medicaid. This is federal health insurance for the poor. Otherwise the advice proposed by others above sound cool...
Good Luck,
peace
Bro -
If you go to a major hospital in your area they MUST treat you with or without your ability to pay. This is because the Federal Government requires providers that take Medicare/Medicaid to provide care to everyone.
Also, if you are really down on you luck you may be able to qualify to Medicaid. This is federal health insurance for the poor. Otherwise the advice proposed by others above sound cool...
Good Luck,
peace
No, no injections. I haven't been able to go to the gym for over 4 months because of the pain. The thing is that I work under the table so if I apply for Medi-cal(californias crappy medicare system) I have to say I am unemployed and apply for unemployment- otherwise I have to show pay stubs. It is a big pain in the ass process. Maybe I should just bite the bullet and pay out of pocket for an accupuncturist. They cost around 60 bucks an hour. I would save probably half of that with insurance. I am looking around online now for insurance quotes. I am not telling them I have a pre-existing condition, they dont need to know I have had this for a few months.
Quotesmith gave me a rate of 91/month with a 100 deduct - that is the cheapest I have seen. Do I need to pay the deduct to get any treatment at all or just major treatment(surgery)? That is kind of expensive for a 28 year old male...hmmm...they gave me a rate of 28/month with 1000 deduct.
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Y_lifter
New member
Man, I had severe Myofacial Pain in the lower back and did the Injections and PT.
They showed me how to safely slowly increase my core strength and above all about 7-8 ways to stretch my lower back EVERY DAY.
I still have intermittant low back pain but have not needed any further treatments.
I say bite the bullet and get examined and X-rayed to make sure it is not something serious.
If Muscular or connective related learn to stretch EVERY DAY...
They showed me how to safely slowly increase my core strength and above all about 7-8 ways to stretch my lower back EVERY DAY.
I still have intermittant low back pain but have not needed any further treatments.
I say bite the bullet and get examined and X-rayed to make sure it is not something serious.
If Muscular or connective related learn to stretch EVERY DAY...
smallmovesal
New member
Y_Lifter said:
don't be a playa hata... be a congratulata
I am pretty sure it is either a slipped disc,periformis syndrome or simple sciatica. I did allot of research online trying to figure it out. I was running on paved hilly terrain,hiking up a mountain 1-2 times a week and doing fast sprints, I think my body just couldn't keep up with it- too much too fast. I have been under major stress the past 6 months too, I'm sure that didn't help. I dont think a doctor could do much for me- I am not interested in pain pills, that wont fix the problem. I tried stretching but it didn't help much. That is why I am thinking of acupuncture. It sucks because I dont really have the money to spend on this(I'm a starving musician-hehe) but I have to just to be able to live without pain. I feel so crappy since I stopped lifting, I feel like a big fat lump even though I am around 180 pounds. Very frustrating. I thank you guys for your advice, I am still not sure what to do. I can either go get x-rays and see what happens with that- not that I could afford surgery if it was necessary or I can risk spending money on acupuncture-in the meantime I am trying to get my core strength back- doing pushups,crunches-whatever isn't painful. Back pain sucks!!!!!!!
smallmovesal
New member
Mezzanine said:Hey smallmovesal:
Is that you in your avatar? I remember seeing pics of you from over a year ago and you were a skinny skinny girl. I'm impressed. Got any other pics? Maybe of your.......bum? hehe. My back pain dosen't stop my bum fetish...hehe.
yes it's me. ask kingjohn for a pic of my ass!
musclebrains
New member
I pay $274 a month to Kaiser, no deductible for Kaiser doctors or referrals, includes prescriptions and allows me to go to outsider providers with a $300 deductible. The premium has basically doubled in the last five years. By the way, they give me testosterone. 
An alternative to spending so much money is to at the very least buy comparatively inexpensive major medical coverage. It will have a fairly high deductible and will cover medical emergencies.
It amazes me to read stories like Flex's and others here and know that America still refuses guaranteed health care.
An alternative to spending so much money is to at the very least buy comparatively inexpensive major medical coverage. It will have a fairly high deductible and will cover medical emergencies.
It amazes me to read stories like Flex's and others here and know that America still refuses guaranteed health care.
ZenMachine
New member
Mezz,
90 bucks a month for 100 deductable is pretty cheap. I think my plan through work costs something like 300 +. One consideration is that medical insurance may not cover accupuncture.
If it is you Periformis muscle, I had the same problem about 6 months ago. Stretching and anti inflamatories fixed me. To stretch it, pull your knee to your chest and then while holding both your knee and ankle pull it across your body at like a 45 degree angle. Like I said it worked for me.
I didn't have health insurance for 10 years and I just payed as I went. Every hospital I went to treated me and billed.
Good luck
Zen
90 bucks a month for 100 deductable is pretty cheap. I think my plan through work costs something like 300 +. One consideration is that medical insurance may not cover accupuncture.
If it is you Periformis muscle, I had the same problem about 6 months ago. Stretching and anti inflamatories fixed me. To stretch it, pull your knee to your chest and then while holding both your knee and ankle pull it across your body at like a 45 degree angle. Like I said it worked for me.
I didn't have health insurance for 10 years and I just payed as I went. Every hospital I went to treated me and billed.
Good luck
Zen
musclebrains
New member
Mezz: If you live in a city with a county/city-subsidized hospital they are typically required to treat anyone who shows up.
ZenMachine
New member
Mezzanine said:
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
New member
rudedawg said:
Well, yes, I think so. MEzz should contact her local hospital authority.
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.
Best of luck...feel better.
rudedawg
New member
Sapphire said:
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
New member
smallmovesal said: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?
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.
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
New member
spatterson said:
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
New member
BackDoc said:
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.
rudedawg said:
Yes, the rate is specific to my medical history: four years post treatment for a highly malignant cancer with a 50 percent mortality rate in 3-5 years.
Disability premiums in the cases I've looked at (which b/c of my medical hx) are still pretty much unavailable to me, as is the case for life insurance. One company is willing to talk further to me but they have yet to return my call. The one company that went so far as to give me a quote was so outrageous in both premiums and terms that it was easier to just shovel money into mutual funds.
The problem with most chiropractors is that disability premiums appear to be something most chiros think about after they've been out in the field for several years. Due to the nature of the work many injuries are already in full swing by this time so passing the physical is sometimes difficult. The other problem I know of is with high volume practitioners, which I would be considered to be: the higher the patient volume, the higher the risk for insuring them due to both practice financial liabilities and injury risk. It didn't matter to the agent that I was nearly twice his size with half the bodyfat and with an extensive athletic background (believe me, that helps tremendously in terms of dealing with day to day job related aches/strains/pains).
To be honest, I have not really had much opportunity to examine the policies to make a determination of their worth, since a meeting is usually cut short just moments after I fill them in on my medical history. I don't really blame them. The insurance that matters most to me is my health/hospitalization coverage, for which I have a fantastic plan that I will stick with nearly regardless of the rate increase.
Longhorn85
New member
spatterson said:Because you get what you pay for?
Brains and Booty. What a package.
