I need health insurance.

ben62670

Well I have some health issues that need to be taken care of ASAP. I need to find insurance that will take me with preexisting conditions. I am 39. MY bp is about 130/90 with about 80bpm. Any help would be appreciated. Please only respond if you have first hand knowledge of the insurance.
Thanks
Ben

KASR

I dunno about pre-existings, but Blue Cross Blue Shield is who I have my family under and their prices don't leave me feeling raped and broken. Hope someone here can assist.

dudeinaroom

Ben go to the hospital, tell them you have no ins. and will need help with the bill and you should be able to get some type of help. If you do not have a job, have low income or are self employed DHS should be able to help you also. DHS will help take care of some bills that are pre-existing but only back so far.

dkg999

Ben - you need to go to a faith-based healthcare provider/hospital. You also need to seek one out in the nicer areas of town, not one in the urban areas where everyone is seeking care without the ability to pay. Healthcare providers in the higher demographic areas typically have trouble meeting their committments for charitable care, and faith-based healthcare providers have the most lenient programs for charitable care.

Good Luck!

dudeinaroom

Ben give me a call. I will PM you my # just in case you lost it. If long distance is a problem, shoot me your number(I lost it) and I'll have my wife give you a call

TroyD

39 and just figuring out you need health insurance??

Good luck and all that, but, man.....

BDT

dudeinaroom

Troy, sometimes it's not a matter of just figuring it out, but rather could not afford it in the past and now have no choice. I know in some states (not sure if all states are like this) you can not get medicare if you are a single white male and not a senior and do not have any children living in your home. Not trying to be rude

ben62670

TroyD wrote: »

39 and just figuring out you need health insurance??

Good luck and all that, but, man.....

BDT

I appreciate the well wishes, but when most of your working life didn't include insurance because it cost so much for people in the construction field can't afford to pay insurance and your wages it makes it tough. Now that I am almost 40, and I have major health issues and no insurance, and I will not last long like this I need it taken care of.
Thanks
Ben

BlueFox

Gee. Is this a real example of what is currently being discussed in the Senate?

Good luck. I hope it works out.

bklynNupe

dudeinaroom wrote: »

Troy, sometimes it's not a matter of just figuring it out, but rather could not afford it in the past and now have no choice. I know in some states (not sure if all states are like this) you can not get medicare if you are a single white male and not a senior and do not have any children living in your home. Not trying to be rude

I think you might be a little confused.
Medicare is for anyone over 65 years of age. Gender and race is not relevant to this issue.

Ben. You cannot be refused emergency treatment at your local hospital by law. Perhaps they can enroll you in a managed care plan afterwards? Best of luck.

ben62670

I know that I can not be refused ER visits, but my issues are way beyond ER visits. My treatment is 80k.
Ben

ben62670

The reason for this thread is I am hoping to get insurance for $500 or less that can get me treated.

bklynNupe

I've heard a lot about these guys, they do good work.
Again, I can't speak for GA, but I would suspect that some type of Managed Care program is available on a sliding scale?
Check it out.
http://www.freeclinics.us/freeclinic.php

dudeinaroom

Sorry, meant medicade. If Gender is not an issue, then the system sure is pulling a lot of wool over peoples eyes.

bklynNupe

My neighbor and good friend is lawyer and solo practitioner.
He uses a plan linked to the Freelancer's Union.

Check it out.
http://www.freelancersunion.org/insurance/explore/30901/nonnymedical2010/

dudeinaroom

Double thinking what I said. Might not be a gender thing, but rather a single persons income. I know a few guys who have tried to get help and could not. They made enough to stay a float, but that was about it. I could have been because they made too much money. The reason I said male is because I have only know males to have trouble getting help. Even the ones that were having trouble making ends meet

bklynNupe

dudeinaroom wrote: »

Double thinking what I said. Might not be a gender thing, but rather a single persons income. I know a few guys who have tried to get help and could not. They made enough to stay a float, but that was about it. I could have been because they made too much money. The reason I said male is because I have only know males to have trouble getting help. Even the ones that were having trouble making ends meet

Well I will say that you do have more affordable opportunities to be covered on many state plans that are based on income if you are a single mother rather than a single male.

TroyD

First, let me say this...I'm very empathetic to Ben, or anyone that has health issues and no insurance. Seriously, I am.

That said, and I know folks and have family members that are in this situation.....but, the fact is, in a LOT of cases...this comes down to choices and priorities. Ben is 39 years old. He's not a teenager. A lot of folks (and I'm not saying that this is Ben's case but again, I've seen this more than a few times) make questionable life and/or financial decisions that end up biting them in the **** in cases like this.

Health Insurance is expensive, however, if your employer doesn't offer it....well, it's one of those things that you have to budget for....and many don't.

BDT

hearingimpared

dudeinaroom wrote: »

Troy, sometimes it's not a matter of just figuring it out, but rather could not afford it in the past and now have no choice. I know in some states (not sure if all states are like this) you can not get medicare if you are a single white male and not a senior and do not have any children living in your home. Not trying to be rude

I think you mean MEDICAID. Medicare is different.

dudeinaroom

thanks semi deaf dude. I corrected myself in post 14. It's all good

hearingimpared

dudeinaroom wrote: »

thanks semi deaf dude. I corrected myself in post 14. It's all good

Yeah I know, I posted my reply before I realized there were more posts below yours.:o

dudeinaroom

TroyD wrote: »

First, let me say this...I'm very empathetic to Ben, or anyone that has health issues and no insurance. Seriously, I am.

That said, and I know folks and have family members that are in this situation.....but, the fact is, in a LOT of cases...this comes down to choices and priorities. Ben is 39 years old. He's not a teenager. A lot of folks (and I'm not saying that this is Ben's case but again, I've seen this more than a few times) make questionable life and/or financial decisions that end up biting them in the **** in cases like this.

Health Insurance is expensive, however, if your employer doesn't offer it....well, it's one of those things that you have to budget for....and many don't.

BDT

I see your point and agree. You forgot the people who just don't know any better. And also the people who think they will never need it.

ben62670

Troy who do you think built your house. Thanks much.
Ben

tcrossma

TroyD wrote: »

First, let me say this...I'm very empathetic to Ben, or anyone that has health issues and no insurance. Seriously, I am.

That said, and I know folks and have family members that are in this situation.....but, the fact is, in a LOT of cases...this comes down to choices and priorities. Ben is 39 years old. He's not a teenager. A lot of folks (and I'm not saying that this is Ben's case but again, I've seen this more than a few times) make questionable life and/or financial decisions that end up biting them in the **** in cases like this.

Health Insurance is expensive, however, if your employer doesn't offer it....well, it's one of those things that you have to budget for....and many don't.

BDT

+1 to this. Although not the exactly the same situation as Ben, my parents have insurance but *choose* to have plan that costs them as little as possible per year. However, they have a $4000 yearly deductible, with yearly out of pocket expenses not to exceed $8000. Basically they have a plan that is relatively inexpensive but covers them for a *major* incident. Their choice. They could afford a better plan, but are rolling the dice.

A friend of mine (also in the construction trade) has gone without insurance for a lot of years until it was recently required by our state. Again, he could technically afford the insurance but was gambling that his yearly medical bills would be less than the coverage.

Both of these cases are risks I'm not willing to take.

dudeinaroom

In some cases people do not have the means to budget for Ins. I just happen to be one of those people.

ben62670

dudeinaroom wrote: »

In some cases people do not have the means to budget for Ins. I just happen to be one of those people.

Ah there are plenty o people that think the construction industry, and may other industries may keep you for more than 2 years may not dump you. Also if you have a pre existing conditions you can get serious medical conditions covered.

TroyD

ben62670 wrote: »

Troy who do you think built your house. Thanks much.
Ben

Ben,

I have great empathy for you, I do. However, spare me the martyr act. My grandfather, father and uncle all spent thier lives working construction. I'm not ignorant of the industry....which, in all actuality doesn't really help your case with me. My grandfather and father worked for the same companies for years, which came with health insurance. My uncle chased jobs around the country for bigger money (and no benefits) for many years and maintained his own coverage.

TLW, for example, has a degree in accounting and rather than go into private practice has chosen to work (for less money) in a situation that has great benefits due to her conditions. Again, choices. I also know that construction is FILLED with the itinerant workers who chose to live payday to payday. Choices that they make.

So, again, I don't wish ill on anyone Ben. I do wish you the best. It seems though that reading this, you've never really done a lot of homework on insurance until something catastrophic came up (and even then, you throw it out here for advice/discussion) Remeber my lecture when you FIRST came on the forum about you getting 'screwed' out of a TV at Circuit City? Different scenario but same message....

Call me crazy, but Moses had the right idea....build the ark BEFORE it starts raining.


BDT

TroyD

dudeinaroom wrote: »

In some cases people do not have the means to budget for Ins. I just happen to be one of those people.

Ok, I'll bite......yes, there are people who really can't afford coverage. I know this, I don't argue it.

However, there are a LOT of them out there who CAN find money for things like audio, cell phones, computers, internet access, cigarettes, new cars....you see where I'm going with this? Now, I'm not saying that this is YOUR case or Ben's or anyone elses....however, there are a lot of people who say I can't afford _________
but they can seem to afford a lot of other things that I would argue are not essential.

The people I have more sympathy for are people like TLW's friend who, owns her own business, carried her own health insurance and then when she had liver failure basically refused to pay for a liver transplant. She's hocked everything she owns and has mortgaged herself to the hilt to pay for it. THAT is criminal, IMO. That is the type of **** that makes me angry.


BDT

ben62670

Well Troy if you have no advice on what to do now please don't reply.
Thanks
Ben

danz1906

Ben,

I hope everything works out for you!

ben62670

danz1906 wrote: »

Ben,

I hope everything works out for you!

Thanks. Some think I am on a whoa is me trip, but it is I realy need help to get things taken care of me.