General > General info Somewhat hot tub related
Health Insurance
Brewman:
--- Quote ---My 6 yr olds mouth is now worth enough that I could have had a boob job, a tummy tuck, and possibly some lypo... :)
--- End quote ---
I feel your pain. We have a daughter with Cystic Fibrosis. In the past 15 years, we've probably incurred close to $2,000,000 in medical and drug expenses.
Thankfully we have insurance. Still, our out of pocket costs are thousands of dollars per year beyond what insurance pays.
Brookenstein:
--- Quote ---
--- Quote ---My 6 yr olds mouth is now worth enough that I could have had a boob job, a tummy tuck, and possibly some lypo... :)
--- End quote ---
I feel your pain. We have a daughter with Cystic Fibrosis. In the past 15 years, we've probably incurred close to $2,000,000 in medical and drug expenses.
Thankfully we have insurance. Still, our out of pocket costs are thousands of dollars per year beyond what insurance pays.
--- End quote ---
Wow, I feel really crappy for complaining now. Have you had any problems with lifetime max issues? I know our insuranance has a lifetime max of a mil per person. That sounds like so much, but when you have a chronic condition that can be gone so quickly... then what?
96SC:
My DW works in the insurance industry (Allstate). I know insuring yourself is terribly expensive, like someone else mentioned. I'll see if I can get the names of some health insurance companies and post them in here (may not be until Monday) A lot depends on your deductable, what coverage you want etc. When our oldest son turned 22 he fell off our work coverage and had to get his own, but I don't recall the premium, it aint cheap.
imp etc:
Brookenstein,
I have Kaiser and am pretty happy with it - (more or less) self-employed so I went the self-insured route. I'm also pretty healthy so only use it for routine and preventative stuff.
I'm pretty sure they're active in SoCal, and they can give you a quote at www.kp.org
Hope that helps!
Brewman:
--- Quote ---
--- Quote ---
--- Quote ---My 6 yr olds mouth is now worth enough that I could have had a boob job, a tummy tuck, and possibly some lypo... :)
--- End quote ---
I feel your pain. We have a daughter with Cystic Fibrosis. In the past 15 years, we've probably incurred close to $2,000,000 in medical and drug expenses.
Thankfully we have insurance. Still, our out of pocket costs are thousands of dollars per year beyond what insurance pays.
--- End quote ---
Wow, I feel really crappy for complaining now. Have you had any problems with lifetime max issues? I know our insuranance has a lifetime max of a mil per person. That sounds like so much, but when you have a chronic condition that can be gone so quickly... then what?
--- End quote ---
That wasn't my intent with that post- you have every right to feel as you do.
Fortunately, my employer provides us with pretty good health insurance. The lifetime max per person is $5,000,000. If you hit the cap, insurance coverage STOPS.
DONE. NADA. And it's quite likely that the person who is this unhealthy is not insurable under a new policy anyway- No insurance company in the world will take a person with CF- she can't get life insuance for the same reason.
Except that employer provided health insurance has to accept them- it's private insurers that would decline coverage. So then you go to the medical assistance programs and see what's there- medicaid, state assigned insurance pools, stuff like that. We will be facing that dilema in a couple more years when she becomes inelligible for coverage because of her age. Children roll off at age 19, extends to 24 if they are full time students or dis-abled. She's considered disabled since she's now 22.
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