Ultimately everything comes down to cost since we are talking for-profit insurance providers. So when they deny coverage or kick someone out its not because of any issue other than cost. So due to them being cost-conscious we have to also put other rules into place to protect the citizenry.

 

 

So our system as in the actual care we get doesn't need reform.

 

So we need insurance reform?

I honestly have no idea. But, I also see my father, who had a heart attack and was prescribed a medication afterward, now taking it only every two or three days instead of every day, because his prescription plan (mandated by the previous attempt to lower health care costs for seniors) won't cover it. If he took it every day, it would cost him over $300 a month....in addition to his other medications. I'll limp along. But, I'm desperately worried about my father.

 

Your father's situation is unfortunate and the exact thing that needs fixed. There is an answer to all of this if partisan politics would step aside. I wish him the best.

 

Get rid of the painful limp as soon as possible. Nothing will age you faster.

This may not be fit for this thread but, I've already had a meniscectomy in both knees. I fear that knee replacement is inevitable. I'm sure the cost will be high. Do you think we would fair better under a public or private option? I'm 48 years old, 6'4" and a not fat 280 Lbs.

 

Related topic - a well known figure in my community went in for a knee replacement surgery two weeks ago...and died. Blood clot that resulted in a massive heart attack. Very shocking.

 

I had ACL replacement surgery nine years ago (age 26). I, too, see knee replacement inevitable in the future.

 

Best of luck on your recovery. :thumb:

Also...hold out another 3 or 4 years, and I'll hook you up with a discount on a physical therapist.

 

Gotchya! Son or daughter?

Related topic - a well known figure in my community went in for a knee replacement surgery two weeks ago...and died. Blood clot that resulted in a massive heart attack. Very shocking.

 

I had ACL replacement surgery nine years ago (age 26). I, too, see knee replacement inevitable in the future.

 

Best of luck on your recovery. :thumb:

 

You could have left the bolded out.:scared:

Gotchya! Son or daughter?

 

 

My son. If you wait a few more years, he'll be a DOCTOR of Physical Therapy, so knowing me will be a good thing for your wallet.

You could have left the bolded out.:scared:

 

I know...such a rarity, but scary.

I'm fine with the cost of my insurance, if the claims I have actually get paid.

 

I've had two instances recently where I go to the doctor, the doctor ordered testes, they check with the insurance company who says they're covered, I have the tests, and the claims get rejected. Guess who gets to pay 100% out of pocket afterall? I would have skipped the tests had I known they wouldn't be covered. Now, I won't go to the doctor unless there's no other alternative. I need a knee replacement, but can't risk having it done, only to find out afterward the claim's been rejected.

 

I'm not upset about the cost of my insurance, but about the way it's administered.

 

Did you dispute? I don't know how true it is, but I have read that a certain number of payments get denied. Some people pay them and others dispute. I have only had 1 preapproved item not paid. I disputed and it was paid. It is sad that you have to do that. I'm sure some are accidental on their part while others I don't doubt are intentional.

I have zero complaints about the system we currently have in place.....

I have zero complaints about the system we currently have in place.....

 

Without getting upset or considering my post to be antagonistic...do you have any complaints about the fact that Medicare and Medicaid are unsustainable, and your tax dollars and mine are paying for them?

Did you dispute? I don't know how true it is, but I have read that a certain number of payments get denied. Some people pay them and others dispute. I have only had 1 preapproved item not paid. I disputed and it was paid. It is sad that you have to do that. I'm sure some are accidental on their part while others I don't doubt are intentional.

 

 

Yes. And as I pointed out before, then I had to go back to the doctor, and ask him to change the way he'd written my chart. He wouldn't do it, and I don't blame him considering it was correct, and insurance had PRE-APPROVED the tests. I went back to the insurance company, who reviewed the claim again, and rejected it again. So I went back to the doctor, yada yada yada. End result, I'm paying for the tests. And I am reluctant to go back to the doctor for anything, even a sinus infection until I get these bills paid. It was close to $1000 between the two. Granted I don't owe the DOCTOR, I owe the lab. But I can't take the chance that something is more involved than the most basic, simple visit.

Without getting upset or considering my post to be antagonistic...do you have any complaints about the fact that Medicare and Medicaid are unsustainable, and your tax dollars and mine are paying for them?

 

I think most on here know my stance on tax dollars going to government funded programs...If you can afford it, good, if not, that's your problem, not mine, and my tax dollars shouldn't be paying for it.

I think most on here know my stance on tax dollars going to government funded programs...If you can afford it, good, if not, that's your problem, not mine, and my tax dollars shouldn't be paying for it.

 

So your solution for those that need healthcare but cannot afford it is what exactly?

So your solution for those that need healthcare but cannot afford it is what exactly?

 

This will come across as heartless probably, but like I said, it's not my problem, so I don't worry about it unless it impacts me or my family.

This will come across as heartless probably, but like I said, it's not my problem, so I don't worry about it unless it impacts me or my family.

 

 

How would you feel if it WERE your family?