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Lindakimy

(19 posts)
34. Update on uninsurable
Sat Feb 11, 2012, 11:46 AM
Feb 2012

Well, I finally found some information online about my state's insurance for those of us who are "uninsurable". News is not good. The info I found was dated 2010 so it may be out of date - why do I think that means it will be even more expensive? The price for policies, depending on my age, deductible, etc. range from about $1,200 to $1,900....A MONTH! How much do they think I make? I simply cannot pay everything I make for insurance that may or may not pay if the time comes. Oh, and by the way, they say the coverage can be cancelled at any time by state legislative action (oh, I really want to depend on that group) and the price of premiums can change at any time. And - wait for it - any condition for which I have been considered uninsurable will not be covered!

I really think cons should be more subtle than this. It's bad enough to be mistreated and robbed but do they have to insult my intelligence, too?

Obviously I will remain uninsured. I hope I make it to Medicare and that it is still there if I do.

Why is it not logically clear to all those who think our current - or, even better, our pre- health care law - system is superior to single payer that when those who have had some ongoing healthcare problem cannot get insurance they will either be condemned to illness/death or will end up taking charity from the system? Somebody has to pay for that. Either doctors and hospitals have to take it on and then raise their rates or government agencies absorb it costing tax payers and limiting other tax supported efforts. Why is it so hard for so many people to see that it would be far better to even out the "risk" over the whole population and get healthcare out of the "market".

And don't get me started on Romney being happy that he can fire his insurance company. I can't. They have already fired me.

I commiserate with you and rage at the 'system' CurtEastPoint Dec 2011 #1
Best of luck, great you're out of old job and doing nicely in new job. elleng Dec 2011 #2
Skip the insurance. izquierdista Dec 2011 #3
It's one hell of a risk to take Warpy Dec 2011 #5
The other thing to point out is that the current health care system truedelphi Dec 2011 #21
I would have to agree Seedersandleechers Dec 2011 #6
I had to stop taking pain meds because my doctor decided that I needed to see him every 3 weeks MedicalAdmin Dec 2011 #11
That is so not right. Seedersandleechers Dec 2011 #13
Those are great ideas. MedicalAdmin Dec 2011 #16
Our household has been in the same situation truedelphi Dec 2011 #23
That is just so not right. Warpy Dec 2011 #25
Good ideas, but I can't afford the appointment for the referral and then the referral appointment... MedicalAdmin Dec 2011 #27
+1 freshwest Apr 2012 #44
same here--cancer survivor at 39 zazen Dec 2011 #4
Glad you survived! Lindakimy Dec 2011 #10
That is great advice. And one other thing - for the duration of your time truedelphi Dec 2011 #24
Best of luck to you Irishonly Dec 2011 #7
Have you checked out the federal pre-existing condition pool? Vinca Dec 2011 #8
Checking it out now Lindakimy Dec 2011 #9
I just checked out the federal program in my state... MedicalAdmin Dec 2011 #12
I am so sorry Irishonly Dec 2011 #14
Chronic health and insurance Bully Taw Dec 2011 #15
I am glad that your son is getting good care. MedicalAdmin Dec 2011 #18
When your son is no longer able to be on your insurance, some fifteen years from now, truedelphi Dec 2011 #22
Working in admin in a private clinic as I do (and as a former drone for BCBS)... MedicalAdmin Dec 2011 #28
I had heard that information mentioned and didn't truedelphi Dec 2011 #30
you are correct. unapatriciated Jun 2012 #46
I'm going with "what is dumber than a sack of hammers, for $200 Alex?" n/t MedicalAdmin Dec 2011 #17
LOL Thank You! Irishonly Dec 2011 #19
Anytime and it was my pleasure. MedicalAdmin Dec 2011 #20
Yet our health costs in this country are significantly higher truedelphi Dec 2011 #31
I heard the crap regarding wait time - Canada vs US. unapatriciated Jun 2012 #47
I was thinking about the federal pool, too tpsbmam Dec 2011 #26
IT's good that you can afford that. MedicalAdmin Dec 2011 #29
OMG, that's the story of my life! tpsbmam Dec 2011 #32
Good luck and merry Christmas. MedicalAdmin Dec 2011 #33
Update on uninsurable Lindakimy Feb 2012 #34
Please . . . check the federal pool. Vinca Feb 2012 #35
Information? Lindakimy Mar 2012 #36
Here you go. Good luck. Vinca Mar 2012 #37
Where to start Lindakimy Mar 2012 #38
I just clicked on South Carolina at the link and you're in luck because the feds control it. Vinca Mar 2012 #40
New hook in the fish Lindakimy Mar 2012 #41
That's a big flaw in the law. My neighbors were in the same boat. Vinca Mar 2012 #42
That is exactly what I need - anon223 Oct 2012 #50
Here's what happened when I applied - Vinca Oct 2012 #51
PICIP (Pre-Existing Condition Plan Preybrother Mar 2012 #39
Holding pattern Lindakimy Apr 2012 #43
Spring for the high risk insurance and pray that Obamacare survives the SCOTUS. McCamy Taylor Apr 2012 #45
I am in heart failure. My insurance company dogday Sep 2012 #48
Just saw this and KNOW you can relate. Check it out. Proof that PCIP WORKS! SJohnson5677 Oct 2012 #49
That's great Lindakimy Nov 2012 #52
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