Quote:
Originally Posted by Tileman
Now we are getting to your personal vedetta which shows the first sign of progress. *****It's all about me***** syndrome....
Okay, you have a hard luck story and expect someone to pick up the tab. I can understand, honestly I can! I married a woman who had a pre-existing condition and we could not get health insurance on her and I spent between 40%-60% of my paycheck monthly on her medical expenses for 9 damn years!!!!!!!!!!!!!!! Guess what we did? We lived at a much lower level than we wanted. We always ate at home, ate cheap but healthy foods, wasted no money on luxuries and NEVER asked anyone for a damn handout! I'll be damned if my next door neighbor ought to be forced to pay for her medical expenses! It was NOT their DUTY to pay for her! It was MY DUTY as her husband! FYI- she had 2 Dr visits per month, 2 MRI's per year, averaged between 350-600 dollars per month in medication (expcept when she was on experimental treatments) a total of 5 surgeries (2 of those were brain surgery*lobectomies*). Oh and our son which was a very high risk pregnancy costs almost 10K start to finish because of all the extra testing to the fetus (amniotic fluid tests twice)!
Do i complain? Do I want someone award? Did I go into debt wanting someone to bail me out? NO! NO! NO! We scraped by and made it SOLO just like everyone else should do!
Do not preach to the choir! Especially when the choir has trumped you....
Now, lets talk about your issues that are NOT self pitty which loathed for sympathy.............
--- Your situation having lost your job thus changing your insurance coverage is indeed a legitimate issue needing address... It was NOT your health condition that changed your insurance premium nearly as much as the fact you had to change insurance policies! Remember when I said those words earlier called *CONTRACT*? I said that contract cannot be violated and only altered based on a VOID or violation. In your particular case, having lost your insurance you essentially started from scratch which is (and should remain) perfectly legal to create a new contract based on the person PRESENT condition!!!!!!!!!!
If you do NOT want to run the risk of losing your existing contract then you should negotiate it at the beginning that you remain on the system under any and all circumstances so long as you are willing to pay the premium......
Stupid should hurt............ Prepare for the future and do not expect the present to stay with you in later life. Only blame your own ignorance when found on the wrong end of a contract that has since been VOIDED!
|
Its kind of ironic, but if I had married your wife, everything would have been covered simply by adding her to my company benefit because of the power of large corporations granted by ERISA to negotiate terms with insurance companies.
And, as I said, I wasn't the only one in my family. My brother had serious problems back when he worked for a small business, paying for company health insurance for himself and his wife and two kids. That was in the early 80s when diagnosing rare conditions was more difficult. As a result of my brother's efforts to find out what his problem was, he had a lot of expensive tests and visits to a series of specialists, made more expensive by the insurance company not approving the best and more expensive specialists. The insurance company refused to renew the insurance when the contract term was up, leaving my brother and all the other employees without insurance.
I'm not sure of the details, but I'm guessing he had the equivalent of a half million current dollars in medical bills, as well as being out of work for most of a year from complications. He had no choice but to depend on the handouts from others, the state of Kansas, the Federal government, for the Medicaid and welfare aid, reduced fees from the surgeon, the hospital, help from family, and a no interest loan from the state, plus the state insurance commission forcing a contribution from the insurance company.
Without the handouts, he never would have gotten the four surgeries, would have gone deaf in both ears (he is deaf in one ear from one of the four tumors), eventually become unable to stand from vertigo, and it doubtful he could have worked to support his wife and young kids.
What exactly did he do wrong in your view?
What would you have done if you were in his place?
And neither I, nor my sister, or our parents had the means to help him at the time. Before I learned of his problem and the broad strokes of the health insurance issues, my attitude was like yours.
So, if your wife required care you couldn't reasonably pay for, would you have let her die, or would you have taken welfare?