Advice for Daughter, Med insurance problem $34K

[bigmike]

Originally Posted By: CivicFan
Originally Posted By: bigmike


Bingo!

Now if you could only get the rest of our viewing population to understand this concept, we might have a breakthrough.


people understand and I think there was a discussion earlier in the thread.


Fair enough. Because you said it.

 

[MegaCorp]

Originally Posted By: motorguy222
Originally Posted By: LT4 Vette
Things are not all sunshine and roses in Canada.


Thats right,there was a high ranking Canadian official that came to Florida for heart surgery.


Unfortunately this thread has deviated from the OP's request for advice.

The "high ranking" Canadian official mentioned above was the Premier of Newfoundland. Made news here as well. Speaks to me of the "Spineless Jellyfish" nature of this guy. Didn't have faith in the system he oversees to use it. What leadership does he show? I guarantee you he will be tossed out of office the first chance the Newfoundlanders get...

 

[bluestream]

Originally Posted By: MegaCorp

Speaks to me of the "Spineless Jellyfish" nature of this guy. Didn't have faith in the system he oversees to use it. What leadership does he show? I guarantee you he will be tossed out of office the first chance the Newfoundlanders get...


And Rightfully so!

 

[GROUCHO MARX]

Originally Posted By: ddrumman2004
It was posted earlier about notifying the insurance commissioner.

Tell your daughter to call the state insurance commissioner office and let them know what's going on. I did this once back in the early 80s when my auto insurance didn't want to pay for damage to my auto due to the fact it was the other person's fault. Plus, it didn't help that my wife at the time was suing the other owner/operator of the offending vehicle. Because of that, their insurance refused to pay.

To make along story short, I called the TN state insurance commissioner, at my insurance company's request. The commissioner threatened to revoke my insurance company's rights to do business in the state if they didn't pay my claim. So they paid.

Sorry for the long post but your daughter calling the state insurance commissioner won't hurt anything.


This is the course of action with a copy of the letter to the state's attorney general. There should be some benefit to paying taxes.

 

[crinkles]

Originally Posted By: bigmike
Originally Posted By: sprintman
I just spent time in hospital for a throat operation. No insurance, no bills. Suits me just fine thanks.


Did magic fairy dust pay for the operation?


no, we all did, and I('m glad to.

 

[Shannow]

Originally Posted By: kb01
Our doctor said that if we were a couple of weeks later, he'd actually induce the last week in December to save us money -- apparently this is quite common. I can't imagine such a thing happening anywhere else in the western world.


When we had our children, we used private insurance, anticipating better care from EXACTLY the same doctor that we would have had if we went public. He was getting another $750 for doing EXACTLY the same job as he would otherwise do under public...exept as private, it was going to be him,and not the bloke on call/duty.

Daughter was due on 29th December, and we went for a check-up on the 19th. Doc decides to do a "routine" internal, and better half shrieks mid exam. Doc apologises for the discomfort, and gives me a silly grin.

When we had our second (different doc), son was stuck on pelvic bone, dilation wasn't right, and better half was flagging (had been a while). Doc asked permission to "ripen" the cervix, and did exactly what the first doc did...he also carried out an ultrasound to find out exactly what was going on (at no charge, he did it personally), and charged $250 more than insurance would pay.

When we asked a midwife (that we knew), about the first Doc, we were told that they hear a fair bit of that sort of behaviour, when he's trying to plan his $750 extra around holidays etc..

and with our tort reform, no harm, no foul.

 

[Shannow]

Originally Posted By: crinkles
Originally Posted By: bigmike
Originally Posted By: sprintman
I just spent time in hospital for a throat operation. No insurance, no bills. Suits me just fine thanks.


Did magic fairy dust pay for the operation?


no, we all did, and I('m glad to.


Too right.

If a taxpayer pays a half million dollars in tax, and gets half that back being fortunate enough to bludge off the rest of us by contracting cancer, I'm happy to pay.

If an unemployed person gets unfortunate enough to get cancer and has $250k in bills, I'm happy enough to pay for that if it means that their children don't grow up in poverty.

Simply the civil thing to do IMO.

 

[CivicFan]

The funny thing is, that beyond causing so much pain to the uninsured person, the cost of that bad debt is then subsidized by the other insured people.

 

[bigmike]

Shannow and crinkles,

Perhaps there should be an opt-out (or opt-in) process. I don't think there would be as much opposition from it here in the US if there were such a feature.

We have "sick leave pools" that are similar in nature. In the federal government, people can "donate" sick leave to people in need as well.

 

[TooManyWheels]

Originally Posted By: bigmike


Perhaps there should be an opt-out (or opt-in) process. I don't think there would be as much opposition from it here in the US if there were such a feature.



If you happen to have the unique ability to predict catastrophe, that should work great. I don't think most people are that prescient, but somehow they still think that when the worst happens there should be some fallback plan, even if they didn't anticipate the need for it, and didn't want to pay for the chance to use it. And they think that when they "just happen" to need it, it should have been paid for by the people who subsidized it long term.

 

[bigmike]

Well, we can't fix stupid, unfortunately.

And, we currently already do this in many ways. Life insurance is the biggest example. Some people get it and other roll the dice, so to speak. Financial issues are inherently tied to medical issues, and therein lies the rub.

 

[JHZR2]

Originally Posted By: PandaBear

As a society, most people "want" cheaper health care that only cover most people's situation, rather than a more expensive health care that cover every one. The scary thing is, most people feel lucky that they will not be the 10% that isn't covered by the "most people" category.


The problem is that all the non-producers taking advantage of the system, let alone the illegals, many dont care to pay for someone else... And in a way there is a good reason for it.

Is it the same in Canada? Illegals all over? excessive "mooching" off the system? Maybe so, I just dont know. Personally I do not care to pay for illegals at all. I dont mind pooling risk and collectively trying to care for the population who does produce, pay taxes, does not collect off the system, etc. But then the "others" seem to cry foul.

Owning a lot of cars, I have a hard time with auto insurance being for profit. Why do I pay to insure a car that is locked in the garage, when I can only drive one at a time? There are aspects like that which IMO are purely driven to making profit. I would not have an issue with insurance being no-profit, but it still needs to be sustainable. Insurance profits are a tough thing, as they may be because of good luck, like premiums collected with less claims naturally, but it sounds more and more like profits are pushed higher via refusal of claims that would/should be sound. That is a problem.

 

[stockrex]

LT4 Vette, bud you seem to be well verse how things are in Canada, could you please offer us insight other than the ones we see on fox channel?

motorguy222, I read about a few Floridian's who flew to India for heart surgery, so US is worse than India for heart surg?



Originally Posted By: MegaCorp
Originally Posted By: motorguy222
Originally Posted By: LT4 Vette
Things are not all sunshine and roses in Canada.


Thats right,there was a high ranking Canadian official that came to Florida for heart surgery.


Unfortunately this thread has deviated from the OP's request for advice.

The "high ranking" Canadian official mentioned above was the Premier of Newfoundland. Made news here as well. Speaks to me of the "Spineless Jellyfish" nature of this guy. Didn't have faith in the system he oversees to use it. What leadership does he show? I guarantee you he will be tossed out of office the first chance the Newfoundlanders get...

 

[oilboy123]

Originally Posted By: brave sir robin
a post thats in my wheelhouse!
I'm a patient advocate and there is a possiblity she can apply for a program that can help.
1. how old is she?
2. does she live at home?
3. what state is she in?
4. does she have children?
5. is she disabled? (as in collecting ssi)
6. what month was her date fo service?


She lives in Oregon, and is 24, she does not live with me. She has no children, and is not disabled. I will get some answers from her and post them. Wow, lot's of discussion here.

 

[stockrex]

Originally Posted By: oilboy123
Originally Posted By: brave sir robin
a post thats in my wheelhouse!
I'm a patient advocate and there is a possiblity she can apply for a program that can help.
1. how old is she?
2. does she live at home?
3. what state is she in?
4. does she have children?
5. is she disabled? (as in collecting ssi)
6. what month was her date fo service?


She lives in Oregon, and is 24, she does not live with me. She has no children, and is not disabled. I will get some answers from her and post them. Wow, lot's of discussion here.


jacob, your best bet is to go after the insurance co, bring visibility to your case. keep beating the drum till someone listens.
your kid has the right to live with dignity as does everyone else. Most insurance cos DENY first and then pay if you fight, dirty but true. send everything in writing, registered mail, fax etc. Your states insurance comm'ners office might have a process to review such violations by insurance cos.
Post a video on youtube on how insurance co is ruining/ed your kids life.
Negotiate with the hospital, before that send a request for copy of all her records, mention you will get a subpoena if needed.
Ask same from insurance co for doc which they used to deny claim.
review all documents. they probably read knee pain on a office visit from when she was 3 yrs old.