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Do you have Health Insurance?

  • Yes, thru my job or job or SO

    Votes: 200 67.6%
  • Yes, pay on my own

    Votes: 30 10.1%
  • No

    Votes: 47 15.9%
  • Low Cost or Free Coverage thru Government

    Votes: 28 9.5%
  • DISCOUNT CARD

    Votes: 0 0.0%
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Discussion Starter #1
I'm interested, well because I have insurance now but won't when May 1st rolls around (we just can't afford it). I'm freaking out but hoping I'm not the only one whose been in this situation. So maybe I can get some "helpful" suggestions on what my options might be for seeking medical attention. Thanks
 

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Sorry I can't help you with any suggestions - I live in Ontario, Canada and am fully covered. I hope you will get some helpful advice here.
 

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<div>Originally Posted by <strong>Shantimama</strong> <a href="/community/forum/post/7976045"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Sorry I can't help you with any suggestions - I live in Ontario, Canada and am fully covered. I hope you will get some helpful advice here.</div>
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gosh! just rub it in. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/orngbiggrin.gif" style="border:0px solid;" title="orange big grin"><br><br>
Dh has insurance though his work or free. i have pregnancy Medi Cal (CA's medicaid) until 30 days PP then i'll have nothing. my two youngest have Medi Cal and my 3 year old through some BS loophole isn't eligiable for state aid so is uninsured. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:
 

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<div>Originally Posted by <strong>magstphil</strong> <a href="/community/forum/post/7976189"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">my 3 year old through some BS loophole isn't eligiable for state aid so is uninsured. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:</div>
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How is that possible?!? That's ridiculous!
 

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<div>Originally Posted by <strong>MamaWindmill</strong> <a href="/community/forum/post/7976192"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">How is that possible?!? That's ridiculous!</div>
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i totally have to rant about this now <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol"><br><br>
it's so BS! Dh co signed on a car for my mother and since he technically owns it if we were to sell it we could afford medical for her. <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/dizzy.gif" style="border:0px solid;" title="Dizzy">: it's total crap to deny her for a hypothetical thing. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">: Mable was under 1 when i applied and Olive is a NB and they are held to different financial qualifications to be eligible. after Mable turned 1 since she already had it they kept her on. it's all just so flipping ridiculous!
 

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<div>Originally Posted by <strong>magstphil</strong> <a href="/community/forum/post/7976206"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">i totally have to rant about this now <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol"><br><br>
it's so BS! Dh co signed on a car for my mother and since he technically owns it if we were to sell it we could afford medical for her. <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/dizzy.gif" style="border:0px solid;" title="Dizzy">: it's total crap to deny her for a hypothetical thing. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">: Mable was under 1 when i applied and Olive is a NB and they are held to different financial qualifications to be eligible. after Mable turned 1 since she already had it they kept her on. it's all just so flipping ridiculous!</div>
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Oh that is ~baloney!~ Is the car paid off? Maybe once it is he can "sell" it to your mom for a dollar or something?<br><br>
Here's a nutty idea, how about we get some universal health care in this rackafrackin' country! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:
 

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Do you mean for you yourself or your kids? I didn't have any medical insurance until this past November, but my kids had super great coverage through WA state.<br><br>
I see you're in WA too, if your kids don't have insurance look into the programs, the income guidelines are very generous.<br><br>
It was nerve-wracking when I didn't have insurance for myself. I rarely need or go to the doctor, but in the back of my mind I was always thinking what if something really bad happens?<br><br>
Sorry you're going through this <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/hug.gif" style="border:0px solid;" title="hug"> We need universal coverage in this country. Life is stressful enough when you're income is limited.
 

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We have insurance. We have to pay 700 dollars a month for me, DH and DS. It had medical, dental and vision. We had to move to a 1 car family, and honestly its killing us financially, but we just dont qualify for state help.
 

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We have insurance through my DH's work, but they don't pay for a family. To add me and the kids on is another $800/month. We have been paying this for years. A lot of people at his work get their families individual coverage because it can be cheaper, but I cannot qualify because of all my medical conditions.
 

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DH is in the military so we have Tricare. For all the complaints that different people have about Tricare I'm grateful to have it. Sure, we had to pay for DD's homebirth out of pocket but I have some expensive treatments through my neurologist that are completely covered.<br><br>
I'm in WA too and I know that there is <a href="http://www.hca.wa.gov/reducedcost.shtml" target="_blank">Basic Health Care Coverage</a> but I'm not too familiar with it.
 

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We have full family coverage through DH's work. We're in North Dakota.
 

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<div>Originally Posted by <strong>MamaWindmill</strong> <a href="/community/forum/post/7976215"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Oh that is ~baloney!~ Is the car paid off? Maybe once it is he can "sell" it to your mom for a dollar or something?<br><br>
Here's a nutty idea, how about we get some universal health care in this rackafrackin' country! <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/irked.gif" style="border:0px solid;" title="irked">:</div>
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Careful what you wish for. There are long wait lists for surgeries, scans, etc. in part of Canada. If it's an emergency, of course it's done right away but if it's not, you wait. Infertility treatments in parts of the country are almost impossible to get.<br><br>
The grass is not always greener.<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink"><br><br>
Jenn
 

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My kids would be covered but I'm too lazy to send away for their birth certificates and honestly, the welfare offices in Oregon leave me feeling less then human and way more degraded then I ever felt even homeless. I was in long enough to grab a medical application in March and I'm in no hurry to go back. Actually, the deadline was a couple days ago so I should be getting a denial here soon.... Anyway.....I don't worry about health insurance. If something icky happens, I'll go ahead and go in and apply and it'll go retroactive. Saves my pride and my tax money that's going into the program <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/lol.gif" style="border:0px solid;" title="lol">
 

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<div>Originally Posted by <strong>rabrog</strong> <a href="/community/forum/post/7976392"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">Careful what you wish for. There are long wait lists for surgeries, scans, etc. in part of Canada. If it's an emergency, of course it's done right away but if it's not, you wait. Infertility treatments in parts of the country are almost impossible to get.<br><br>
The grass is not always greener.<img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/winky.gif" style="border:0px solid;" title="Wink"><br><br>
Jenn</div>
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I assume if you go private paying or have supplemental insurance, you can get in and have that stuff done faster? If so, you're better off them most of the US cause not all of us can be seen for emergency things. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad">
 

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Yes, through DH's job. If we had not had health insurance a few years back ($250k bill), we would either still be in debt or have claimed bankruptcy. :/
 

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<div>Originally Posted by <strong>Synthea™</strong> <a href="/community/forum/post/7976400"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">I assume if you go private paying or have supplemental insurance, you can get in and have that stuff done faster? If so, you're better off them most of the US cause not all of us can be seen for emergency things. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"></div>
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I have no idea - I'm in the US. But if you have to have supplemental insurance or private insurance to get something done, how does universal healthcare help anything?<br><br>
And I'll be upfront and say I don't believe in universal healthcare, however I am always interested in why people think the U.S. needs it.<br><br>
Jenn
 

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And I'll be upfront and say I don't believe in universal healthcare, however I am always interested in why people think the U.S. needs it.<br><br>
Jenn</td>
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I'm American and I live in Europe. Despite problems already mentioned (such as waiting lists for some procedures), I can't tell you how much it improves the quality of life of a population to have everyone universally covered.<br><br>
My son has had to have various medical treatments and surgery and we never saw a bill. When I hear of a working family having to pay $700 (or more) out of pocket for healthcare, I'm shocked and appalled. I wonder what sort of family values politicians are promoting when they leave vulnerable people unable to access decent healthcare.<br><br>
I also wonder about the people who whine about the increased tax burden. Yes, I pay more taxes in Europe. However, when you factor in the fact that I don't have to pay $700 a month for my family's coverage, I'm still ahead and have the comfort of knowing that not only am I and my family covered, but that everyone, rich or poor, can have access to health care.<br><br>
To answer the question as to why the US needs universal care:<br><br>
1) I think access to affordable, good healthcare is a basic human right;<br>
2) I think it is shameful that so much else can be paid for by the US gov't (i.e. taxpayers) such as wars and porkbelly projects but not well-baby visits for children or necessary surgery for citizens;<br>
3) It ultimately costs the taxpayers more to <b>not</b> cover everyone. Recently I read in the Washington Post about a boy who died because of an abssessed tooth. No dentist would see him without insurance. In the end, the infection got so bad that he had to go to the hospital. His care cost well over $200,000 before he died -- paid, of course, by the taxpayers since he was an emergency case. Not only is it absolutely incredible that in a rich, developed nation a child can die because of this lack of basic care (and, obviously, a tragedy for the family), but it is ridiculous that $200,000 was spent on emergency care when $120 could have been spent by the taxpayers on basic care.<br><br>
I would turn the question around and ask why anyone would think the US *doesn't* need universal care?
 

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<div>Originally Posted by <strong>Synthea™</strong> <a href="/community/forum/post/7976400"><img alt="View Post" class="inlineimg" src="/community/img/forum/go_quote.gif" style="border:0px solid;"></a></div>
<div style="font-style:italic;">I assume if you go private paying or have supplemental insurance, you can get in and have that stuff done faster? If so, you're better off them most of the US cause not all of us can be seen for emergency things. <img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/greensad.gif" style="border:0px solid;" title="greensad"></div>
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Whoa! You're talking two-tiered health care. It's a no-no in my books. That means the rich people can pay to get in ahead of the poor people. And IMO would eat away at doctors/resources etc working in public health care. There is a debate going on, on whether or not Canada should have 2 tiered health care. Sadly, I think a couple clinics have opened up already. Even though there may be longer wait times, it's still way better than paying hundreds a month in health care. And yes, I know that in Canada, we pay for health care at tax time, but our income was so low last year that we didn't have to contribute at all.
 
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