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| *Loan,banking and credit>>>medical insurance |
Please help me in getting help with medical coverage on pre-existing conditions. Bad insurance hurts us..? |
I have diabeties type 2 and leaky heart valves. tried to get different coverage or 2nd coverage added but no- one will take us. The ones that will is asking for way to much for us to afford on our budget. I can't even afford my meds. and my co-pay visits of 50.00. Not to mention our part of the medical expense on hosptal stays and tests and treatments. Now I may loose my job because the company thinks I'm a risk. We are already behind in our bills because of all this. Where do I go from here? Goverment says we make too much for assistants. Where is our government at for folks like us? Do I want to vote this time? Who do I trust? I am getting so depressed with this all. We just wanted to live the AMERICAN DREAM!!! We wanted to buy this little place we are renting because our children are grown up now. And to enjoy our lives. Our credit is messed up now and not getting better. Is this it? And what of our kids and grandchildren? Whats in their futures? I need answers. I have a great solution for you. The plan I have can be used stand alone for a discount or as an insurance supplement to pay your co pay or deductible. You can have an existing condition and there are no limits or deductibles. It also comes with prescription, vision, dental, and chiropractic benefits. It is very reasonable, 59.95 for household, or 49.95 individual. Source(s): http://www.mybenefitsplus.com/40467229... Is your insurance through your employer? Maybe your lack of job security is a message from God that you should start looking for a different job, with a better benefits plan?? Unfortunately, the government doesn't HAVE anything to give. Everything it "gives" people, it takes away from other people to give. Government programs are purely redistribution programs. Take one thing at a time. Start looking for a new job, with better benefits. Fix up the credit - rip up the credit cards, stop spending money. If you have two cars, sell one. Never buy new, EVER. Let someone else take the depreciation. Never eat out. Get super thrifty. Put every dime into your debt. Cut your cable tv, give up your cell phone, go to the library and check out a copy of The Tightwad Gazette. Go to www.hillbillyhousewife.com to learn how to eat super cheap, and healthy, too. You need to trust YOURSELVES, and not rely on "the government" to get you out of your situation. As you've found out, you can't trust the government to do what's best for you. Because NO ONE can take care of you better than you can take care of yourself. first of all, if your employer wants to fire you b/c you are a high risk, then you can take them to court for discrimination. an employer can not fire you b/c of medical costs. unfortunantly, having a pre-ex condition makes it difficult for you to be approved for an individual plan. you will have to honestly fill out a medical questionaire that will be underwritten and you could be denied. the best thing for you to do is have health coverage through your employer. i can't stress enough that they can not fire you due to medical expenses. also, to help pay for copays etc...if your employer offers an FSA, i highly recommend using. you can put money away tax free, but you must use it all b/c it has a use it or lose it clause. also, try things to cut down on costs like using a mail order pharmacy for your meds. they might have a mail order plan through your works health carrier that saves you a copay every 3 months. Sad to hear about your illness and your financial state. You may want to consider going to a South or Southeast Asian country like India, Thailand or Singapore, or across the border to Mexico as medical treatments are much cheaper. Even after paying for your travel expenses, medical costs and hospital stay you end up saving 60-80%. However, you need to be careful about the quality of hospitals there. You must make sure that they are JCI/JCAHO/ISO accredited. One such medical tourism facilitator that works only with quality hospitals abroad is Healthbase (http://www.healthbase.com). You can research about the various medical procedures - plastic as well as cosmetic, communicate with the surgeons overseas, plan and book your travel all at their website. You can also apply for a medical finance loan at their website. They even consider those with bad credit history." http://www.healthbase.com I'm sorry to hear about your health problems. It also sounds like there may be better opportunities out there for you as far as your employment goes. There are companies that accept people with existing medical conditions and offer quality health programs. Look at http://www.affordable-health.com... Hope all turns out well Petrea Dishman |
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