 |
 | Home | Contact Us | FAQ | Search & Site Map | Link to Us |
 | Sign In | Join | Other 45 Sites in Network |
Medical Forum / Diseases and Disorders / Arthritis / January 2008I am so over this insurance hell
So I opened my little holiday gift from my insurance company (CIGNA) and found that my rates had gone up (actually everyone's rates had gone up) 48.6 percent . I will now be paying 1850.86 cents for health insurance. It is a matter of mortgage or insurance. i do not have that kind of money. This reminds me too much of last year when pac advantage pulled out of california leaving me with Kaiser which was basically no insurance. i spent the month of December doing all the things like DEXA scans, cat scans. I am beginning to dread December. So I think I have two options; moving to Missouri where I can get insurance through my Uncle's company or going on disability. I probably qualify for disability. It is just a shame though, to enter that system because I can't afford health insurance. There is something very very wrong with this system that makes it impossible for people to afford health care insurance. I am thinking about a little performance art project where I will get a friend to come a shoot (video) me, head down to the mall, make some signs explaining the fact that CIGNA has raised rates to an unaffordable level, and panhandle for insurance money. Of course, I would get no money but for sure I can post that on youtube and possibly bring a little awareness to the issue. What the "system" loses with me going on disability is significant but i have to tell you i am sick of spending time chasing health insurance. M, if I had not gone on Medicare several years ago, I would be completely bankrupt by now. There is no way I could have afforded insurance coverage, or paid my medical bills, otherwise. I do empathize with you. Love, Gwen > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 21 lines] > loses with me going on disability is significant but i have to tell > you i am sick of spending time chasing health insurance. M, That amount if really outrageous. My last payment was $525/month a few years ago before my Medicare came through. I had to pay it under Cobra for a long time because it takes 2 years to get Medicare after going on disability. Is there any group you can join to get lower group rates. Sometimes fraternal organizations, unions, etc band together. I know my hairdresser joined an independent beauticians' group to lower her rates. Ann This is what good ole Arnie is doing for us huh. Oh M, I hope something works out for you and soon. I understand this issue all too well as you know since I can't afford insurance at all.  SignatureLove and Hugs to all Jo the squirrely one I am nuts about you. > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 21 lines] > loses with me going on disability is significant but i have to tell > you i am sick of spending time chasing health insurance. {{{{{{{{{{{{ M }}}}}}}}}}}}}}}}} No answers for you M, just hugs and total empathy for you on this one!!! Somethings got to give with this whole insurance mess sooner or later for everyone!!! . . . . Donna . . . . 1.) ANGELS EXIST, but some times, since they don't all have wings, we call them FRIENDS...... 2.) J.K.M.A. M - I wonder what would happen if you wrote to "Arnie" about this. Maybe something could be done on an individual basis. Or call your local TV station and see if they have an advocate there. If nothing moe the plight would be out in the open and maybe someone could step in to stop it. Just a thought, DeeTee > This is what good ole Arnie is doing for us huh. > [quoted text clipped - 26 lines] >> loses with me going on disability is significant but i have to tell >> you i am sick of spending time chasing health insurance. is this your MONTHLY rate, M? how awful. i simply don't know the solution. are you eligible for any groups that offer health insurance? i pay 500/month (government through my ex). john pays 800 as a small business owner in NC. they're intolerable rates, but yours is way beyond that. hugs. i can't picture you in missouri somehow. diane On Dec 3, 12:58�pm, shenmei9w...@gmail.com wrote: > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had > gone up) 48.6 percent . �I will now be paying 1850.86 cents for health > insurance. > is this your MONTHLY rate, M? how awful. i simply don't know the > solution. are you eligible for any groups that offer health insurance? [quoted text clipped - 12 lines] > > gone up) 48.6 percent . �I will now be paying 1850.86 cents for health > > insurance. Hi Diane, that is my monthly rate. it is the group plan for TEIGIT (the entertainment industry group insurance trust) the umbrella group for NWU. The whole entire group had a 48.6 per cent raise. It's kind of nuts in actuality. m My Medicare Part D has been with Cigna this year. It won't be in 2008. The price went WAY up and the benefits were cut WAY down! I'm still looking! Gwen On Dec 3, 4:07 pm, Diane <dc...@aol.com> wrote: > is this your MONTHLY rate, M? how awful. i simply don't know the > solution. are you eligible for any groups that offer health insurance? [quoted text clipped - 12 lines] > > gone up) 48.6 percent . ?I will now be paying 1850.86 cents for health > > insurance. Hi Diane, that is my monthly rate. it is the group plan for TEIGIT (the entertainment industry group insurance trust) the umbrella group for NWU. The whole entire group had a 48.6 per cent raise. It's kind of nuts in actuality. m > My Medicare Part D has been with Cigna this year. It won't be in 2008. The > price went WAY up and the benefits were cut WAY down! I'm still looking! > Gwen I have Unicare, Gwen. I pay $150 a month for Medicare plus my additional coverage with them. The good thing is that doctor copays are only $10. For generic drugs, I go to Walmart as they only charge $4, and I have 3 prescriptions. I get my Coreg from a prescription plan for free and my doctor is great with samples of the other drug I take. If you find a really good one, please post it here. I'm sure we'd all like to find the best we can get for our money. Thanks, Carole Carole, right now I'm thinking of going with SilverScript Plus. The plan is only $42 a month with no deductible and some coverage through the gap. I'm going to talk to my pharmacist before I completely decide. I am now under catastrophic coverage and my drug bill for November was less than $100. Quite a change from the gap! Gwen >> My Medicare Part D has been with Cigna this year. It won't be in 2008. >> The price went WAY up and the benefits were cut WAY down! I'm still [quoted text clipped - 12 lines] > Thanks, > Carole On Dec 3, 4:07 pm, Diane <dc...@aol.com> wrote: > is this your MONTHLY rate, M? how awful. i simply don't know the > solution. are you eligible for any groups that offer health insurance? [quoted text clipped - 12 lines] > > gone up) 48.6 percent . ?I will now be paying 1850.86 cents for health > > insurance. Hi Diane, that is my monthly rate. it is the group plan for TEIGIT (the entertainment industry group insurance trust) the umbrella group for NWU. The whole entire group had a 48.6 per cent raise. It's kind of nuts in actuality. m Have been thinking about this trying to brainstorm, to get attention to this issue - Does Governor Terminator have any health care/insurance initiatives? Groups fighting privatization might use this rise to over 20K a year in premiums to be a good sound bite in their rhetoric? Being forced on the state dole because private insurance company raised rates so high would be good fodder for officials trying to fight privatization as victimization. (hope that's making sense.) Any watchdog agencies overseeing usurious or otherwise unethical business practices of insurance agencies? Do insurers need to get the increases in premiums approved by any state agency? If yes, approval of this big a hike would make good press for those decrying 'collusive practices' and 'government agencies in hip pocket of insurers.' Any disability rights organization working on people being forced off private insurance? Adelle > <shenmei9w...@gmail.com> wrote in message > [quoted text clipped - 47 lines] > > Adelle Hi Adelle, Thanks for those suggestions. I am so on this right now. I'll keep you posted. Ill either burn out or change this whole process. m Let's go for changing the whole process! Gwen >> <shenmei9w...@gmail.com> wrote in message >> [quoted text clipped - 60 lines] > > m Diane, I am also in N.C. I am on Medicare but I also have a BC/BS of NC policy. It went down last yr but already got a letter telling me increase for Jan. It is not a supplment policy but one i had before I became disabled. I would like to drop the policy and get a supplement. I am paying $300 for the BC and $100 approx for Medicare. I keep the BC policy in case I ever loose my Disability. I would be unable to get insurance again w/ all the pre-existing stuff (both hips replaced, lumbar and neck fusion). When do you reach the point where you feel comfortable dropping a regular policy and just going with a Supplment? At my age, 49, I am just afraid one day I will fail a SSD review and loose my Medicare. SignatureHAPPY HOLIDAYS! Kim in N.C. is this your MONTHLY rate, M? how awful. i simply don't know the solution. are you eligible for any groups that offer health insurance? i pay 500/month (government through my ex). john pays 800 as a small business owner in NC. they're intolerable rates, but yours is way beyond that. hugs. i can't picture you in missouri somehow. diane On Dec 3, 12:58?pm, shenmei9w...@gmail.com wrote: > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had > gone up) 48.6 percent . ?I will now be paying 1850.86 cents for health > insurance. Diane, I am also in N.C. I am on Medicare but I also have a BC/BS of NC policy. It went down last yr but already got a letter telling me increase for Jan. It is not a supplment policy but one i had before I became disabled. I would like to drop the policy and get a supplement. I am paying $300 for the BC and $100 approx for Medicare. I keep the BC policy in case I ever loose my Disability. I would be unable to get insurance again w/ all the pre-existing stuff (both hips replaced, lumbar and neck fusion). When do you reach the point where you feel comfortable dropping a regular policy and just going with a Supplment? At my age, 49, I am just afraid one day I will fail a SSD review and loose my Medicare. SignatureHAPPY HOLIDAYS! Kim in N.C. is this your MONTHLY rate, M? how awful. i simply don't know the solution. are you eligible for any groups that offer health insurance? i pay 500/month (government through my ex). john pays 800 as a small business owner in NC. they're intolerable rates, but yours is way beyond that. hugs. i can't picture you in missouri somehow. diane On Dec 3, 12:58?pm, shenmei9w...@gmail.com wrote: > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had > gone up) 48.6 percent . ?I will now be paying 1850.86 cents for health > insurance. I totally empathize with you. And the trouble with disability is then you have to wait two years to get Medicare. Since Cingular Wireless is a totally screwed up company, I lost my COBRA (no one could find the papers I sent even though they were sent with my payment check and they cashed that), so I went for over 6 months with no health insurance. I was lucky that nothing big happened to me. With congestive heart failure, the bills can add up very fast. I hope at some point they will do something about health coverage in this country. Carole I relate completely, M. We were just notified we're being sued for $1200 in medical bills that my insurance company should have paid in 2003. I will take it up with the insurance company, but I have to pay off the collection agency FIRST as I've got a 20-day deadline before they garnish my wages. It's very frustrating. Here i am with a lawsuit due to insurance shenanigans ("oh they billed us wrong, we won't pay it and won't tell her") and I have to pull $1200 out my ___. After the burglary in January, car accident in May and T being out of work for 4 months this summer, we're already behind on everything. I'm feeling a little bit hopeless at the moment... I wish i had a rich old relative I never knew about. Aim > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 21 lines] > loses with me going on disability is significant but i have to tell > you i am sick of spending time chasing health insurance. I relate completely, M. We were just notified we're being sued for $1200 in medical bills that my insurance company should have paid in 2003. I will take it up with the insurance company, but I have to pay off the collection agency FIRST as I've got a 20-day deadline before they garnish my wages. It's very frustrating. Here i am with a lawsuit due to insurance shenanigans ("oh they billed us wrong, we won't pay it and won't tell her") and I have to pull $1200 out my ___. After the burglary in January, car accident in May and T being out of work for 4 months this summer, we're already behind on everything. I'm feeling a little bit hopeless at the moment... I wish i had a rich old relative I never knew about. Hrmph. Happy Holidays. (Bah Humbug) May 2008 be a much better year. Aim > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 21 lines] > loses with me going on disability is significant but i have to tell > you i am sick of spending time chasing health insurance. Sorry for the triple-post. Apparently my newsreader is being a monkey. Anyway, I'd really appreciate any spare prayers you all have got for us (see below). Thanks. -Make my address less GIRLY to reply- > I relate completely, M. > We were just notified we're being sued for $1200 in medical bills that [quoted text clipped - 41 lines] >> loses with me going on disability is significant but i have to tell >> you i am sick of spending time chasing health insurance. Oh Aim, I sure hope all goes well with all this stuff. I feel for you. Take care and thanks for checking in with us and letting us know how you are doing. SignatureLove and Hugs to all Jo the squirrely one I am nuts about you. >I relate completely, M. > We were just notified we're being sued for $1200 in medical bills that my [quoted text clipped - 15 lines] > > Aim Thank you SJ. 2007 has really been a year of tough stuff. My brother lost his job just before thanksgiving, too. And my parents had a massive blow as well. Oh, and my gramma had a stroke last week. When it rains it pours. I'm REALLY looking forward to 2007 being GONE. It can let the door hit it on the way out, too. ;-) Thanks for the sympathy. I just needed an ear. Aim > Oh Aim, I sure hope all goes well with all this stuff. I feel for you. Take > care and thanks for checking in with us and letting us know how you are > doing. Wow. i really wish there were a way to get life to slow down and give you a chance to adjust. Hold on and find comfort in each other and may this all turn around YESTERDAY! SignatureNann remove the Gator cheer to email me Simply the thing I am shall make me live --- William Shakespeare > Thank you SJ. 2007 has really been a year of tough stuff. My brother > lost his job just before thanksgiving, too. And my parents had a massive [quoted text clipped - 11 lines] >> care and thanks for checking in with us and letting us know how you are >> doing. Yeah Aim it seems to have been a bad year for alot of us. I don't know what the heck is going on. Hopefully 2008 will be such a better year for all of us. I can only hope and pray that way. We are always here for you sweetie, we know how it goes. So whenever you need us just pop on in here and tell us what is happening. That is what we are here for. You take care and I do so hope 2008 is a better year your you Tish and your family. SignatureLove and Hugs to all Jo the squirrely one I am nuts about you. > Thank you SJ. 2007 has really been a year of tough stuff. My brother lost > his job just before thanksgiving, too. And my parents had a massive blow [quoted text clipped - 6 lines] > > Aim I relate completely, M. We were just notified we're being sued for $1200 in medical bills that my insurance company should have paid in 2003. I will take it up with the insurance company, but I have to pay off the collection agency FIRST as I've got a 20-day deadline before they garnish my wages. It's very frustrating. Here i am with a lawsuit due to insurance shenanigans ("oh they billed us wrong, we won't pay it and won't tell her") and I have to pull $1200 out my ___. After the burglary in January, car accident in May and T being out of work for 4 months this summer, we're already behind on everything. I'm feeling a little bit hopeless at the moment... I wish i had a rich old relative I never knew about. Hrmph. Happy Holidays. (Bah Humbug) May 2008 be a much better year. Aim > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 21 lines] > loses with me going on disability is significant but i have to tell > you i am sick of spending time chasing health insurance. aye, m, that is just nuts. I agree with you - there is something very wrong with our system as it stands. My brother is self-employed and I know keeping him and my SIL in insurance has been a real trial. Their rates saw an astrnomical rise last year, even with their deductible changing from $1000 to $5000. I don't know when, if ever, our national officials will find the guts to deal with it head on. I keep saying we need to make it so Congress has to buy private insurance on the open market. things would change very fast if tat happened! SignatureNann remove the Gator cheer to email me Simply the thing I am shall make me live --- William Shakespeare > I am thinking about a little performance art project where I will get > a friend to come a shoot (video) me, head down to the mall, make some [quoted text clipped - 4 lines] > loses with me going on disability is significant but i have to tell > you i am sick of spending time chasing health insurance. just a lurker, but this sounds like a great idea. > So I opened my little holiday gift from my insurance company (CIGNA) > and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 5 lines] > things like DEXA scans, cat scans. I am beginning to dread > December. That is my biggest problem with the idea of universal health care plans. I'm afraid beyond the point of being rational that we would all end up with the equivalent of Kaiser. Jo > > So I opened my little holiday gift from my insurance company (CIGNA) > > and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 9 lines] > I'm afraid beyond the point of being rational that we would all end up with > the equivalent of Kaiser. The scary thing is that for some people that would be an improvement over what they have now. Signature"[xxx] has very definite opinions, and does not suffer fools lightly. This, apparently, upsets the fools." ---BB cuts to the pith of a flame-fest I also got hit with 48.6 rate5 rate hikes here in Los Angeles from CIGNA Healthcare. Are you a California member of TEIGIT, the Entertaiment Industry Group Insurance Trust? I am tired of borrowing to pay these high premiums. And I got turned down by Medicare, because I was a little above the earnings limit. Every time I apply to other health plans I get turned down due to "pre-existing condtions." If you haven't moved to Missouri yet or gotten on Medicare, please contact me, I think I have found a lawyer who may be able to help fightCigna. kf >So I opened my little holiday gift from my insurance company (CIGNA) >and found that my rates had gone up (actually everyone's rates had [quoted text clipped - 21 lines] >loses with me going on disability is significant but i have to tell >you i am sick of spending time chasing health insurance. |
Reply to this Message |
 Sign In
 Join
 My Latest Posts My Monitored Threads My Blog My Photo Gallery My Profile My Homepage Start New Thread Enable EMail Alerts Rate this Thread
|
©2008 Advenet LLC Privacy Policy - Terms of Use
This website includes both content owned or controlled by Advenet as well as content owned or controlled by third parties.