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"Seems like the insurance company has me by the balls."

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kpete Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 10:27 AM
Original message
"Seems like the insurance company has me by the balls."
Edited on Mon Jul-27-09 10:28 AM by kpete
This is the real face of our national healthcare catastrophe.

Dear nyceve:

Please tell jane and slink that all America thanks you for your service. I'm sorry to disturd you during what must be a very busy time, but i have a problem which i don't know how todeal with.

I am self-employed, I run a small family business. My health insurance premiums for me, my wife and our child are running close to $18,000 a year. Business is down and I need to cut back, I'm so frightened because the only way for us to survive is to drop the insurance. I never thought this day would come, though for many years as the rate hikes just mushroomed, every month I wondered whether i would be able to afford the premium for the next month.

Seems like the insurance company has me by the balls. Even if I downgrade I only save a very small amount, so what's the purpose? If we get sick I'll have a few dollars saved which I hope will be enogh.

nyceve, I don't know how to tell my wife that this is what we must do. What should I tell her?

When willhelp come from our government? nyceve,Is help is on the way? Can I tell my wife this?


please read more for action that can be done today at:
http://www.dailykos.com/storyonly/2009/7/27/758271/-Transitioning-from-insured-to-uninsured-a-citizen-asks,-is-help-on-the-wayURGENT-ACTION-ITEMS
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ejpoeta Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 10:39 AM
Response to Original message
1. wonder where this person lives, and if they would qualify for any public subsidized program.
though i would doubt it. In ny we have healthy ny... though i don't know who qualifies for that. it's ridiculous!! $18k a year!! geesh! but these jerk offs who claim to be all about helping small businesses.... what do they mean by small?? GE? this is ridiculous.
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sinkingfeeling Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 10:46 AM
Response to Reply #1
4. Doubtful, since he owns a small business. He's better off taking that $18K a year and putting it in
a safe place to pay for every day care and pray that nothing major happens.
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hunter Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 12:11 PM
Response to Reply #4
12. I was thinking that for awhile...
And what the heck, if anything major happens, the guy's gonna be bankrupt with or without medical insurance. And if it's him who is sick, and he can't work, he's gonna lose the insurance too, probably sooner than he expects.

Medicare awaits everyone who isn't wealthy, and most of us would be much better off in the long run if we could simply buy into Medicare now before the health insurance industry has sucked away the last of our savings.
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ejpoeta Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 01:38 PM
Response to Reply #12
16. that's why single payer would be better for everyone. if we were all in the same pool
and we were all covered from day one, then wouldn't we all be better off. we would all be paying into the system automatically and automatically be covered. i don't know what is so hard to understand about it. the anti healthcare reform folks like to use medicare as an example of the system going wrong, but I would like them to show me the people on medicare who want it taken away. I don't know anyone who would want it messed with.... in fact, how many on medicare would be up a crick without it. Since it is already existing and has shown to work, the best way would be just to expand it for everyone. If they are going to just have a public option, then expanding medicare for all ages to buy into would sound like the best way to do it instead of creating a whole new system. but i am sure that congress won't do that. even if they get a public option i fear they will sabotage it so that it is very costly and ineffective so it will fail. i know i am cynical and don't trust them, but I know where they get their money from. i swear they should wear the sponsors on their clothing they wear around all day.
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Wapsie B Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 10:43 AM
Response to Original message
2. Isn't America great or what?
This should not be happening in a country like this.
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Oregone Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 10:44 AM
Response to Original message
3. 18 grand is far more than it would take to immigrate to Canada
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abumbyanyothername Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 10:46 AM
Response to Reply #3
5. My wife has family in Belgium and more distant family
in France.

I'm all for moving.
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cliffordu Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 11:18 AM
Response to Reply #3
7. Hmmm... One of my doctors just moved to canada and she said
it took a fuck of a lot more than that.....

:shrug:
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Oregone Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 11:22 AM
Response to Reply #7
8. It cost me under 5 grand
Edited on Mon Jul-27-09 11:29 AM by Oregone
I did the paperwork myself, which was easy enough. Just a couple grand in application fees, landing fees, and medical tests.

All costs were made up for in a year of living there (medical for kids, birth, surgeries, CCTB, day care benefits, maternity pay, etc). Its not easy to save it up, but when you are uninsured and not paying premiums, its possible to put a little aside if you stay healthy.
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wolfgangmo Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 11:43 AM
Response to Reply #7
11. It does if you are also moving credentials.
Your doc had to get a new license in another country which meant new board tests, paying for the medical board to verify her qualifications, etc.

Of course it cost a doc more. The question is WHY did your doc move? My guess, based on my experience in running a clinic in the States is that she just got sick of insurance flunkies telling her how to practice medicine.

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cliffordu Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 12:43 PM
Response to Reply #11
13. That's right....
She hates American style insurance first medicine.
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liberal N proud Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 11:15 AM
Response to Original message
6. This sums up what is happening in America today...
The Cold Within (Author Unknown)
Six humans trapped by happenstance in black and bitter cold; each one possessed a stick of wood, or so the story’s told.

Their dying fire in need of logs, the first woman held hers back; for the faces around the fire she noticed one of them was black.

The next man looking cross the way saw one not of his church; and couldn’t bring himself to give the first his stick of birch.

The third one sat in tattered clothes and gave his coat a hitch; why should his log be put to use to warm the idle rich?

The rich man just sat back and thought of the wealth he had in store; and how to keep what he had earned from the lazy, shiftless poor.

The black man’s face bespoke revenge as the fire passed from his sight, for all he saw in his stick of wood was a chance to spite the white.

And the last man of this forlorn group did naught expect for gain; giving only to those who gave was how he played the game.

The logs held tight in death’s still hands was proof of human sin; they didn’t die from the cold without they died from the cold within.


This was something I received from our companies diversity director.
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Uben Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 11:24 AM
Response to Original message
9. I pay $18K/yr also
Wife had cancer six yrs ago. That's for a $5K deductible and 50%0f the next $10K! Sumpins gotta give!
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Medusa Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 12:57 PM
Response to Reply #9
15. Which is more than some Americans make a year
and people want to know why the system needs to be changed?
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ejpoeta Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 01:40 PM
Response to Reply #9
17. they want to make damn sure that you aren't likely to get much out of them.
it's insane!! if congress had to live like the rest of us, do you think they'd friggin get the stick out of their damned ass. yeah, we need to take it slow and take our time. meanwhile, how many will die!! how many will be closer to dying because they aren't getting the tests they need and diagnosed before it's too late.
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LiberalAndProud Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 11:38 AM
Response to Original message
10. I could have written that 18 months ago.
Health insurance is a luxery we can no longer afford. It's been priced out of reach for many micro businesses, I'd guess. Oh well, we all gotta die sometime, right?
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rollingrock Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 12:55 PM
Response to Original message
14. Here's where your 18k is going
straight into their pockets. This one insurance company reported
almost a billion dollar profit in the last quarter alone.


UnitedHealth Profit More Than Doubles
Wall Street Journal
JULY 21, 2009, 7:03 A.M. ET

http://online.wsj.com/article/SB124817178973668091.html

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ejpoeta Donating Member (1000+ posts) Send PM | Profile | Ignore Mon Jul-27-09 01:41 PM
Response to Reply #14
18. it also goes to fund anti healthcare reform lobbying and investing in
congress and senate members who will tow the line to keep us under the insurance companies thumb.
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