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Post by friskers on Jan 10, 2009 20:58:56 GMT -5
this is funny i need to laugh ....... ;D "The Top 10 Signs You've Joined A Cheap HMO 10. Annual breast exam conducted at Hooters. 9. Directions to your doctor's office include "take a left when you enter the trailer park". 8. Tongue depressors taste faintly of Fudgesicle. 7. Only proctologist in the plan is "Gus" from Roto-Rooter. 6. Only item listed under Preventive Care feature of coverage is "an apple a day". 5. Your "primary care physician" is wearing the pants you gave to Goodwill last month. 4. "Patient responsible for 200% of out-of-network charges" is not a typo. 3. The only expense covered 100% is embalming. 2. With your last HMO, your Viagra pills didn't come in different colors with little "M's" on them. 1. You ask for Viagra. You get a popsicle stick and duct tape." ;D ;D - - - - - - - - - - - - - - - - -
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avatard
Jan 10, 2009 20:43:53 GMT -5
Post by friskers on Jan 10, 2009 20:43:53 GMT -5
Carrie Your new bitch avatar is just too funny!!! ;D I think when a man calls you a bitch with a smile on his face then it is a good thing ;D But if he calls you that and hes not smiling then its a bad thing ;D
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Post by friskers on Jan 9, 2009 12:37:43 GMT -5
Toni Well its no wonder your so worried . And i was rather angry and shocked when I read they missed Curlypainters cancer an misdiagnosed it. But still this could be different so hang in there and dont keep thinking the worst. Just tell those thoughts to STOP when they start . Im sure you need to be the strong one right now to help your hubby through this . Somehow you need to replace those fearful thoughts with bravery. Whenever you think thoughts of disease or illness it may be helpful to think thoughts of wellness and health instead and see his llungs filled with health and viitality. Laying your hands on his chest and asking God to heal him imagining white light may be helpful to to. If anything it can open up that heart energy center and let him feel how much hes loved keep us imformed Toni and please we all want to know whats going on and try to help and be there for you
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Post by friskers on Jan 8, 2009 22:56:47 GMT -5
tinyurl.com/9pr6zr So today I saked my customer what health insurance she carries as she is a self employed hairdresser. she said bluesheild is good and has had them for a few years. So ............in my research found this. So what are all health insurance companys rippoffs!!. There must be at least one good one out there?
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Post by friskers on Jan 8, 2009 11:37:35 GMT -5
I agree this is an incredible step foward JJ and ditto Kmarie (try to keep yourthoughts positive!)
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Post by friskers on Jan 8, 2009 11:18:51 GMT -5
Toni Im sorry the tests showed something of concern. Why dont you think it could be cronic brochitis?Not being a smart ass ;D I really want to know why? I knew someone who had that and she had that constant dry cough you spoke of. If that is the diagnosis and he smokes( dont remember oif you said he does or not) than quitting could help the condition quite a bit. Maybe this is incentive enough to get you to quit too. I used to be a smoker ,10 years .........I cant tell you how much better you will feel and the money you will save. Sorry your going through this and hope it turns out to be nothing serious
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Post by friskers on Jan 7, 2009 21:19:03 GMT -5
Hey Toni! How did the Dr appt go with your hubby? I hope it went well
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Post by friskers on Jan 7, 2009 21:16:53 GMT -5
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avatard
Jan 7, 2009 21:11:16 GMT -5
Post by friskers on Jan 7, 2009 21:11:16 GMT -5
ah the good ole days ;D
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Post by friskers on Jan 7, 2009 20:57:32 GMT -5
MEN!! Quit your bickering and boasting fellas! ;D Anyways I feel kind of terrible now that I ranted on these companys because I was talking with a mechanic friend of mine who had insurance through midwest and he says there great ,hes had them for 7 years and he did have a heart attack and they paid up just like they should no problem. He also said a friend of his works in billing and they said that particlar insurance always pays and they never have problems with them. Jeez its hard to know what to beleive or who to trust. I am just going to leave all of this alone for now and go without insurance ..its fried my brain and I need a rest. Its such an important decicion to make I dont want to make a bad choice. The good part is having a little extra money to spend on my preventitive health care and it makes me want to take even better care of myself because Ill be so screwed if something happens to me . I cancelled Aetna 's application I had with them too I read so many bad things about them but Im not going to go there!! Oh and whats the difference between anthembluecross and bluecross/bluesheild??Anyone know?
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Post by friskers on Jan 7, 2009 0:37:12 GMT -5
Hi Bonnie yes thank god for the internet. I was really close to taking that insurance too ! im not that crazy about the whole HMO plans although I may still consider Kaiser in the future. I wrote Blue cross and told them I couldnt afford to pay them and to please not bill me anymore ;D i wonder whats going to happen next?! John and Ant . Why dont we just settle this right now and say your equally great lappers ! ;D
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Post by friskers on Jan 5, 2009 3:17:13 GMT -5
I think it was Ants cute elfs costume everyone was lookin at! ;D
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Post by friskers on Jan 5, 2009 2:55:01 GMT -5
OMG i just cant beleive it. This insurance agent is trying to rip me off or at best just try to keep me uninformed .It all started sounding pretty good great in fact until I asked for the policy in writing and he emailed me this bogus looking policy that didnt give any details to the plan. So I went online to check out each of his companys and all 3 have the same complaints over and over again about the policys are vague and not written in a understandable way , have caps and exclusions all over the place and are just plain bad policys and inpaticular the agents wont give you the full plan until you sign the papers and this waas the deal breaker. they want an automatic premium taken payment from your bank every month. I also asked him if my premium would go up during the underwriting proccess and he said no it shouldnt and I brought up the fact I take a prescription med and he said oh well maybe it will go up just a tiny bit like 20 or 30 dollars 20 percent . I said 20 percent of of my premium would be 50 dollars!! What does he think I cannot do math?! im so utterly disgusted right now . Sorry to be a downer here but if it saves anyone else from this kind of experience then its worth sharing.These are all the companys hes affiliated with Also horror stories of people getting premiums withdrawn after canceling and not gettting them to stop the automatics bank payments. tinyurl.com/73frm6I think Im going to just go without insurance for a while and take my chancesand pray to God nothing happens to me!
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Post by friskers on Jan 4, 2009 20:13:03 GMT -5
Yes Toni i see what your saying we are all brainwashed or hypnotized and infuenced by what we tell ourselves or what others tell us. Our thoughts are much more piowerful than we realize. But I think its important to get to know and thouroughly check out aperson if your going to allow them to hypnotize you before you trust them. I was lucky enough to have it done by a friend I knew and trusted for some time. And if your a woman I would probably have another woman just to be on the safe side.
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Post by friskers on Jan 4, 2009 19:59:54 GMT -5
Hi Bonnie Thats great your offered health care through your work. If your choice docs are in the HMO why wouldn't you take the cheaper plan? i don't know much about HMO's , Ive always had PPO plans because to like to choose my own doctor . I could be totally wrong about this but I dont think your allowed to carry more than one health insurance policy Carrie PPO stands for preferred physicians organization, meaning doctors take a lesser negotiated fee for their sercvices. So even though ive had very high deductable plans what Ive paid out of pocket has been considerably less with the bluecross PPO doctors for example.
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Post by friskers on Jan 4, 2009 0:25:16 GMT -5
well now im confused ;D I hope your not taking offense to what I said . Maybe Ill say it in a different way...........and i could be wrong but you seem very open minded and open to suggestions (except for the not eating icecream , your kind of stubborn on that one. ;D) That would be good thing
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Post by friskers on Jan 3, 2009 20:11:34 GMT -5
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Post by friskers on Jan 3, 2009 20:04:16 GMT -5
Hi Carrie No they are making me pay for dec 1 through jan 1. I didnt understand their cancelation policy and thought they would just drop me when I didnt pay my bill and alsowas waiting to hear from them on the other plan they jacked up on me.My brain is too tired to explain it all, Im just fried from all this. Sorry Ive reached my melting point with all this insurance crap! ;D i think Im going with this other plan for small business owners that includes disability . This insurance agent is very anxious to meet with me but Im putting him off till I understand 100 percent completely what Im getting into. So far hes been very patient with me . he did neglect to tell me though there is a one time association fee of 115.00........not too much i suppose and I checked out his credentials and he is a licsensed insurance agent. I started reading about insurance fraud and got very worried he might be scamming me. Check this out........on insurance fraud tinyurl.com/9fonqffirst his name and id number didnt check out and i freiked but the second time I put it through he did checkout This has been quite an unpleasant learning experience about health insurance!
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Post by friskers on Jan 3, 2009 3:51:23 GMT -5
Carrie Im still in shock that they can even do that. You should be able to cancel at any time and not billed forany day after that. Blue cross just got fined a million bucks for dropping peoples policys after they got sick . tinyurl.com/89kz6jThe more I read about peoples horror stories about insurances not paying and rejecting claims I wonder if id be better off not even having it!
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Post by friskers on Jan 3, 2009 3:29:43 GMT -5
tinyurl.com/73pwnmHey Toni I stumbled across this . I hope you find it helpful! Darn the link wasnt the right one but of you keep going at the end of the urine pages one should come up about the many reasons for coughs tinyurl.com/7xsb5tHere it is ! Ill leave the other there about urine ;D
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