Just Wanted To Introduce Myself...

Swill369

Swill369

Member
Joined
Oct 25, 2012
Messages
106
I just wanted to take a minute to say "hi" to anyone that might remember me. I joined here this past October just to view and speak with some old friends. As of about 2 weeks ago my insurance decided they didn't like me anymore! So, even though I am "new" here I am everything but! I posted under the same UN at DB with a pinky and the brain avatar. So, I just wanted to say "hi" to everyone and wish everyone nothing but the best!

 
Hello and welcome! Sorry to hear about your insurance issue /default_sad.png

 
Hi Mike!

I know im off topic but I enjoyed your posts in the 80's thread last night!

and now back to your regular broadcast  /default_biggrin.png

 
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longwaydown said:
Hello and welcome! Sorry to hear about your insurance issue /default_sad.png
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Well, that makes 2 of us! The thing that gets me is 1)I received no kind of notification until the pharmacist told me. 2)my insurance premium went up $17/month this month???

 
Swill369 said:
Well, that makes 2 of us! The thing that gets me is 1)I received no kind of notification until the pharmacist told me. 2)my insurance premium went up $17/month this month???
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That really sucks /default_sad.png  I am sorry to say but I think that is going to be the trend from now on unfortunately...

 
Well hello to you. Welcome back. New here myself, but learning the ropes mighty fast. Gotta be quick in today's fast paced IT world.

I'd say "take a seat" but by doing so you might fall behind.

Just post away. Try to hit 50 in one night. Those are the kinda posters I like the best.

In any event, cheers my friend.

 
@Puzzler. Lol. I think 100 I'm one night is much better. Maybe there should be a thread in the introduction section called "I don't care about DBG. I just want some drugs. Here are my 30 posts "

 
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longwaydown said:
That really sucks /default_sad.png  I am sorry to say but I think that is going to be the trend from now on unfortunately...
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I agree that it is definitely becoming a trend. I wouldn't have such a issue with it had I been notified in some manner. How hard is it to send out a letter so someone has time to prepare. They could have used some of that monthly increase to send a form letter saying "you've got to such and such date, then nada" but I guess that would be expecting to much!

 
Swill369 said:
I agree that it is definitely becoming a trend. I wouldn't have such a issue with it had I been notified in some manner. How hard is it to send out a letter so someone has time to prepare. They could have used some of that monthly increase to send a form letter saying "you've got to such and such date, then nada" but I guess that would be expecting to much!
Click to expand...
Try going from a typical HMO with $50 copay doc visit to $2500 deductible and no doctor copay of any kind and no free physical/ well-woman checkup - nuthin. It's BS. My cost used to be about $200/month pre tax and then $10-$20 prescription co-pay and $50 doc co-pay and free physical and well-woman check up each year to basically nothing AND a premium increase because I'm now over 40. 20% increase. I work for a small company and I guess I should be happy to have anything but Jesus Christ I need something catastrophic (hope not) before I get any benefit. I have to see my orthopedist 4x yearly for script and cortisone shot. Then 2x year to ob/gyn because we have cervical cancer in my family.

I'm very healthy minus the degenerative bone disease that requires the ortho. I'm not remotely overweight and am in really good shape and a non-smoker and non longer considered child bearing age. So now I pay $5500/ year before I get one dollar of medical benefit. I wouldn't mind the high deductible so much if my rates had gone down you know? At least I have an hsa though that is deducted pretax.

I think in the long run we have two options in this country and they are both extremes. From what I understand healthcare premiums would actually go down if everyone paid individually - no business could provide the benefit. It's the buying power of business that allows cheaper premiums for their employees. Small business and self employed are screwed. So that's one option. Fend for your self. The other is more or less Medicare for everyone but then obviously our taxes go up. Seems to me either way sucks for some and is good for others.

The big problem in my opinion is that Americans want services but don't want to pay for them. Everyone says they don't want the poor lady with cancer to die BUT they don't want to pay more to help her. We want the money to magically appear. I think the more honest conversation (which will never happen btw) is really "this is how much money we have $100 - this is what we want $1000. Do we really care if the woman with cancer dies? If yes pay more if no pay less." Problem is everyone including myself feels a moral obligation to say yes we care. I'm willing to pay more so this theoretical woman gets chemo. I don't think everyone else is willing and they should say so. In those folks defense ( my hubby is very Ron Paul supporting libertarian) at what time is enough enough and you worry about yourself. Idk the answer. I just know it sucks to pay a lot of money and only get 4 shots and a papsmear

 
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