Health insurance problems

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"Spin it anyway you want it is what it is.Someone else working to pay your bills."

Same applies if you have to declare bankruptcy.
Sometimes "A mans godda do, what a mans godda do"
even if it's the lesser of two evils.

Morality is great if you can afford it.
 
May I suggest one more option if it is available to you:

There was a clause in my insurance policy that you can make change mid year if your spouse get in/out of unpaid leave or lost/get a new job.

So...

Keep her on your plan until a few months after child birth, let her leave her work and find another work so you can switch mid year in and out of your insurance.

If your medical cost is only going to be $13000 a year, divorcing and remarrying is going to be easily more than that. You have to remember if you are divorced you have to live separately or else the medicare may come after you as fraud. Did you factor in extra rent and family stress for that?

Since she is already on a high risk pool, I'd be careful about dropping coverage and let her get stuck in a "pre existing condition" pool in the future.

maybe we can ask Tempest for advise?
 
Trust me, I worked in health care for over ten years and I've seen Shaniqua type women (4 kids with different fathers, ain't got no money for baby food but wears gold jewelry, has elaborate hair weaves and long bright green/orange/hot pink/glitter finger nails, multiple tattoos...etc...) with zero insurance have kids in NICU or PICU and didn't pay one penny for their child's care.

Don't worry if you get a medical bill is $100,000. There is absolutely no need to pay it. Your baby will get the same medical treatments and care whether you are from the ghetto or from Malibu CA. I've seen some kids get very expensive care over a very long period of time and Shaniqua left the hospital with child # 5 without any financial concerns.
 
Originally Posted By: LT4 Vette
Trust me, I worked in health care for over ten years and I've seen Shaniqua type women (4 kids with different fathers, ain't got no money for baby food but wears gold jewelry, has elaborate hair weaves and long bright green/orange/hot pink/glitter finger nails, multiple tattoos...etc...) with zero insurance have kids in NICU or PICU and didn't pay one penny for their child's care.

Don't worry if you get a medical bill is $100,000. There is absolutely no need to pay it.



I see this in the welfare capital of the world (Buffalo, NY). It is absolutely amazing. The people on welfare here have new homes built for them, free health care, free heat and electric, free food, and now free cell phones.

These are the same people that I see at walmart on midnight of the first of the month shopping with multiple shopping carts shoved to the top! (I'm up at that hour because I work nights, lol)

https://www.safelinkwireless.com/EnrollmentPublic/home.aspx
 
I did field service for a medical company a while back , but I was always surprised that a hospital would actually do every thing medically possible no matter what the bill amounted to for a person with no heath insurance. I would sometimes talk to the NICU (neonatal ICU) and PICU (pediatric ICU) nurses and they would tell me it it was very common to have a child for 4 or 5 weeks. THE HOSPITAL IS OBLIGATED TO GIVE THE BEST CARE FOR YOUR CHILD.

$100K....$150K....$200K medical bill, don't worry.
 
Originally Posted By: JustinH
Originally Posted By: LT4 Vette
Trust me, I worked in health care for over ten years and I've seen Shaniqua type women (4 kids with different fathers, ain't got no money for baby food but wears gold jewelry, has elaborate hair weaves and long bright green/orange/hot pink/glitter finger nails, multiple tattoos...etc...) with zero insurance have kids in NICU or PICU and didn't pay one penny for their child's care.

Don't worry if you get a medical bill is $100,000. There is absolutely no need to pay it.



I see this in the welfare capital of the world (Buffalo, NY). It is absolutely amazing. The people on welfare here have new homes built for them, free health care, free heat and electric, free food, and now free cell phones.

These are the same people that I see at walmart on midnight of the first of the month shopping with multiple shopping carts shoved to the top! (I'm up at that hour because I work nights, lol)

https://www.safelinkwireless.com/EnrollmentPublic/home.aspx


Your post makes me want to vomit. I'm all for charity and some government assistance for people who truly need the help and can not help themselves for whatever reason. But the Welfare scammer baby producers........
mad.gif


Makes me wonder why I get up every morning and bust my [censored] all day.
 
Drew,

Keep working very hard, but most importantly keep paying those taxes (city, state, federal). You are supporting generation after generation of moochers and bums.

Now you know why I PM'ed you about asking advice on not paying inheritance taxes.
56.gif

I'm like Randy Jackson from American Idol, I like to keep it real and tell it like it is. Sometimes the truth hurts.
 
Guys,

Sure the kid will get medical service, but will the hospital sell the bill to a collecting agency to collect the rest of the 50k, 100k, 150k, 200k bill and bankrupt the OP?

What would happen then?


P.S. I cannot believe all the posts on this topic that draw in the term Moochers and Scammers when the OP is desperately trying to find a way to pay for an unexpected potential medical bill. An employer cutting medical benefit and causing someone to have no way of paying off this expense, for god's sake, and you guys call him a moocher and welfare scammer? Drawing in argument about you having to pay inheritance tax, and how unfair it is that people get free ride?

So it is his fault that he is not financially well off to pay for a sudden medical insurance change that his employer make?

Where are your hearts?
 
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PandaBear is right. The OP is in a bad dilemma and trying to do the right thing for his family's health and financial future.

Sidetracking on what a mooch would do is a diversion from the topic.
 
Originally Posted By: mormit
PandaBear is right. The OP is in a bad dilemma and trying to do the right thing for his family's health and financial future.

Sidetracking on what a mooch would do is a diversion from the topic.


There is a major lack of compassion among some posters here. They take a racist depiction of anecdotal cases (FYI, the most common medicaid recipients are not Shaniqua but Kathy) and then start making general conclusions.
 
Originally Posted By: CivicFan
Originally Posted By: mormit
PandaBear is right. The OP is in a bad dilemma and trying to do the right thing for his family's health and financial future.

Sidetracking on what a mooch would do is a diversion from the topic.


There is a major lack of compassion among some posters here. They take a racist depiction of anecdotal cases (FYI, the most common medicaid recipients are not Shaniqua but Kathy) and then start making general conclusions.


Thanks Civic Fan. I thought the exact same thing. And "Shiniqua" ( or "Kathy") isn't nearly the problem that the tax rebates (after paying no tax to begin with) given to Exxon, United Healthcare, hundreds of other billion-dollar corpaorations are. Not to mention billions of tax-payer dollars to private single-bidder contratctors (Halliburton, Blackwater) and the military industrial comples in the name of "national security" and to billion-dollar profit Wall Street firms and banks. As long as us "peons" are busy fighting with each other, the REAL welfare beneficiaries laugh all the way to the bank. (Hint: Not a one of them is named Shiniqua)
 
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To the original OP-

Is borrowing from your retirement plan an option? I know it not a recommended move, but it might make some sense in this case.

No way I would do a second mortgage for this. Smetimes people who try to do the right thing just bury themselves in a bigger and bigger whole.

I doubt hte divorce thing would be an option. You're too late in the game - it would never be finalized in time, and I doubt it would solve the problem anyway.

Only other things I can think of - try to negotiate ahead of time with the hospital, which it sounds like you're already doing. Most hospitals have someone with a social background whoe may be helpful - not usually part of the billing department. Is there any type of other group insurance you could get (professional associations, etc.)? No way your current insurerer can continue you at a group rate with any other insured group? Probably not - I'm sure they don't want to help you, but give it a try. Contact your elected representative - if you have a good one (who actually cares about the real people in their constituency, they can do a LOT).

Good luck - I feel for you.
 
Thanks for all of the encouragement!

I actually work for a medium sized business but am unfortunately in a very small branch office. Our corporate office has a better policy but the insurer charges a hefty surcharge because of the state that I'm in (our primary office is in the other side of the country). The special surcharge is levied against everyone in my office.

I guess I'm most frustrated because of the sheer quantity of money I've paid into the system. Between myself and my employer, we've given BC/[censored] well over $150,000 over the past 15 years, and have never used more than my deductible worth of medical care. I understand that's life and insurance is always a gamble but it sucks that now that we finally need it, we can't afford it. At this point, I'd be grateful just for the option of signing over my VA benefits (I served 7 years in the Army) to my wife like can be done with the new GI Bill.

We're meeting with the OB later this week and hoping that he can reevaluate whether the induction can happen before the end of the year. I wasn't at the last appointment and don't really understand if it's a scheduling or medical issue. I'm hoping it's just a scheduling issue and we can find somebody else who can do it.

We had never planned on having another child. The last pregnancy was incredibly rough but a failed vasectomy put us into this situation. I am absolutely terrified that something bad is going to happen. Worrying about money on top of it really makes me feel like garbage.

I just spent about an hour on the phone with the owner of my company and he said he'll "move some money around", so I should be getting a slight raise. I'm crossing my fingers but don't expect much.
 
It sounds like you've done everything the right way - you don't deserve the mess you're in, as many others don't either in this climate of blame the victim. I imagine it goes against your way of doing things, but don't discount what might be accomplished by bringing this to the attention of your elected representative, at the local level. Your status as a military vertan carries a lot of PR weight (not trying to minimize your service inany way), as it should. Hopefully there will be the possiblioty of inducing early - it's a very common practice now, often for exactly this type of reason.

Geez - failed vasectomy; happens more often than you'd think. Its a good idea to get your count checked at least once every two years (note to self)- they can reverse themselves.
 
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I traveled down the failed vasectomy road over 12 years ago and have a 12 year old autistic son as a result.

Talk to the hospital and doctor before hand. It won't hurt!

I did back 3 years ago before I remarried and as a result, got a big discount on the gall bladder removal I had. Over 22K knocked down to 4K.
It can be done.
 
OP -- i've been reading the thread, and it has me shaking my head in disbelief. especially the consideration of divorce and re- marrying, as a possible solution.if some form of govn't aid is available -- take it.your back is against the wall, and you have to take care of your family.
i don't know much about the u.s. health care system, but every country's system has it's flaws.i do hear a lot of horror stories like this,however, as i'm across the river from detroit, mi.,and we have a lot of exposure to americans.
at any rate, i wish you well in your time of need.good luck, man.
p.s.-- what is COBRA that was mentioned early in the thread? TIA.
 
Originally Posted By: yeti
p.s.-- what is COBRA that was mentioned early in the thread? TIA.


It is a way for you to continue to buy the existing medical insurance your former employer provide at your own cost. Most people do not choose this option because it is prohibitively expensive, especially for the recently unemployed (it can cost up to 1/2 of your original salary).
 
Sorry if I ruffled some feathers, I was just being honest. And for the record this lady with 5 kids was caucausion with blonde hair and blue eyes.

If you paid into the system for many many years.... you shouldn't feel bad to use it for your necessary health needs.
 
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