Internet's first get-out-of-debt community - 168,000 members

Posted: Sun Oct 14, 2007 5:45 pm Subject:

FYI - I totally agree with you on not wanting to sue the school. When my daughter got hurt at school, requiring an ER visit, and the school never called to inform me of the accident, my ex (then my husband) wanted me to sue the school, reasoning that it would be college money for my daughter. I refused - I just wanted the hospital bill paid - also, I worked for an insurance agency at the time - the insurance agency that carried the liability policy for the school my daughter attended. To sue them for payment under the very policy my employer carried for them would be a conflict of interest....I would stand to lose my job, therefore losing the larger part of my family's income, only to gain a small amount for my daughter's future? Didn't make much sense to me.

Posted: Sun Oct 14, 2007 5:45 pm Subject:

Well after all was said and done and my oldest daughter was in remission in 2001, hubby and i sat down and added up all her medical, with insurance! We owed $22,000! Some of the shots she took cost $2,500 a piece and she had them every other week for 7 days!!! I'd love to know what insurance paid! Ok NO i wouldn't!
Shocked

Ang

Posted: Sun Oct 14, 2007 5:53 pm Subject:

If I could read my darn insurance papers I'd know how much it all cost. Its all jibberish to me sometimes!

Posted: Sun Oct 14, 2007 7:09 pm Subject:

I am going to the school on Tuesday. My job requires that I go on a training confrence tomorrow and I have to be that 9am sharp. I will let you all know what happenes.

Something I don't understand about the bill, there is no itemization. Just Emergency Services and Supplies. No detail. Or is that it? I do not have insurance for my son and I am trying to get them back on CHIPS but I make more than I used to now but I still can't afford the 450 a pay check to get my companies insurance.

No one from the school has contacted me. In fact I need to go check my home records (have Vonage , I can look at my itemized bill immediatly after a call) and my work records. I was at work and at my desk when they supposedly called me repeatedly.

Posted: Sun Oct 14, 2007 8:09 pm Subject:

hospitals usually don't send an itemized bill unless you ask them to do so.

Posted: Mon Oct 15, 2007 12:25 am Subject:

$450 a pay check for insurance? wow do you make a grip of money?! Our employees (in a less than a 50 employees program family business company) have Kaiser and it is $25-50 a week $10 co-pay for meds--I believe in health care for all and that it isn't socialization if our country provides this--still majority of our employees make $9-$12 hr and pay ave of less than $50 per week( which is still too much in my opinion!) --yet you are required to pay $450 per check? what's wrong with this picture?

Posted: Mon Oct 15, 2007 12:31 am Subject:

as an after thought--how often do you do you get paid? if your company requires a $450 deduction for insurance out of checks--what kind of money are people in your line of work making?

Posted: Mon Oct 15, 2007 4:40 am Subject:

I pay $430 a month just for me and the wife!If kids were added it would jump to $600 month! Shocked

It is kind of a trade off I guess. Smaller companies pay more for what I do but benefits suck or take a pay cut to work for the majors. Evil or Very Mad

Posted: Mon Oct 15, 2007 4:42 am Subject:

Hanky, I suppose everything is realitive. I live in NYC and for a crappy HMO. pay 150.000 per week for insurance .If I did want (which I do .but cant afford it ), an out of network plan it would cost almost 300.00 per week. What I have now is good. 10.00 fro meds , 20.00 to see a dr. , But I can onky see DRs in the plan.

Posted: Mon Oct 15, 2007 4:51 am Subject:

I pay $1,200/month for insurance for 5 of us. And to top it off it's crappy insurance!! $1,000 ded and NO co-pays!
Ang

Posted: Mon Oct 15, 2007 8:56 am Subject:

If we had to pay for our insurance, it would cost us over a thousand dollars for just the two of us because of my pre-existing things.

FYI- you can call and ask them for an itemized bill- I always do- you would be surprised to see what errors there can be! Let us know what happens..KAren Very Happy

Posted: Tue Oct 16, 2007 10:36 pm Subject:

wow no wonder so many people in America are pushing for what Bush has called "socialized health care"--my co pay is $10 for generic meds (went up from $5 --2 years ago) -and $10 for doc visit--$15 for ultra sound x-rays etc --this costs my employer $200 a month which is considered part of my bonus salary--it is all very relative--I totally understand how many people are in lower paying jobs but their health insurance benefits are why they stay --I'm wondering if small companies are able to offer so much more affordable health coverage like this to employees why are so many people out there having to pay such outrageous premiums? -- my best friend has been employed with state for 10 years started as 911 operator- went to counseling of juvenile delinquents--now in county health care- her main job now adjusting inmates back into society--her medical insurance is free--yet--her husband just started with state as a mental health counselor and the health care they are already receiving through wife -- now costs new hires $600 a month! Ang my younger brother self employed with 6 children (8 people on plan counting him and wife ) pays less than $900 a month for same deductables I have spoken of and has an individual health care plan not business with employees plan --so the horror stories we are hearing makes me totally in support of national health care system--I always thought that for people making $9 an hour $25-50 a week was too much to be able to afford with high cost of housing here in Ca-- obviously there are tons of people out there who have to pay more if they want health insurance guess I'm also thinking pay period is either weekly or bi-weekly here.

Posted: Wed Oct 17, 2007 4:14 am Subject:

I think the reason our health insurance is so much is cuz of pre-exisisting Hanky! When we first started out it was a LOT less expensive but each year it keeps going up and NO one else will cover hubby or son so we're stuck!! Ur very lucky to have such a good insurance plan! Although we do have a very high deductible, u can't go without insurance. One hospital stay could wipe u out.
Such is life i guess,
Ang

Posted: Wed Oct 17, 2007 5:11 am Subject:

My husbands insurance is free for him but to add me it would be 250 a paycheck which would take a lot of his pay so I dont have any. I am going to have to get the girls on medicaid or chips since their father wont cover them on any insurance He is supposed to.
I did take my youngest to the doctor and she wound up having to go to the hospital for an MRI and it is over 3000. My insurance did not cover it as it was out of network. I had insurance until 9/30/07 and it did not cover my MRI for the same reason but the clinic I used reduced by bill almost 1200 so I only pay 289. Hopefully I can get my daughters reduced too

Posted: Wed Oct 17, 2007 6:33 am Subject:

I'm sure u know this missy but u need to check into some sort of coverage both for ur kids and urself!! Even if the plan u get for urself is a 5 or 10,000 ded at least u have it!! As i said above, one hospital stay can wipe u out!!
My hubby's last hospital bill was over 75,000!!!
Shocked

Ang

Posted: Wed Oct 17, 2007 9:16 am Subject:

WOW

I didn't know insurance costs were so different. The company I work for has a self funded insurance but a insurance company does take care of all the paperwork and we only pay $30 per week for health and dental Embarassed