Joined: 07 Aug 2007 Posts: 1 Location: Brooklyn, NY
Need Health Insurance Posted: 08-07-07 10:25am
Hello,
I am a 23 year old registered dental
hygienist and I work in two offices who do
not offer employee health insurance. I
make too much money to be eligible for
medicaid and I've tried internet searches.
I suffer from extreme menstrual cramps
that land me in the emergency room and I'm
tired of paying ovre $900 for my ER bill
and over $300 for routine doctor visits.
Are there any options for me so I can
obtain "affordable"health insurance? I do
not want to pay $600 a month as I would be
with certain plans.
|
DoorIn
New User, Becoming EHEALTHy
Joined: 16 Aug 2007 Posts: 19 Location: Coral Springs, Fl
Re: Need Health Insurance Posted: 08-16-07 07:47am
Hi Lachomba,
Unfortunately, there is probably no
private insurance company that will cover
your "pre-existing" conditions.
Unfortunately, we do not have a
"healthcare" system in the U.S. We have
insurance. By definition, healthcare is
for people who are already in need of it.
Insurance is for healthy people who have
not yet shown symptoms of a problem.
In the insurance companies' defense, (or
any company for that matter) I can't
imagine why they would take a couple of
hundred dollars from you knowing they are
going to have to spend a few thousand on
you. That's just bad business.
However, you still need insurance for two
very solid reasons!
#1 is even if it doesn't cover your
menstrual cramps, it may cover things that
haven't developed yet if you qualify for
it. Injury from accidents, cancer, heart
attack etc. are all very real situations.
And if you think a $900 hospital bill is a
lot, wait until you see a hospital bill
for one of those problems (hundreds of
thousands). And while the law says they
must give you treatment with or without
insurance, the reality is you won't
receive the best treatment without
insurance. That's because hospitals and
doctors are also in business and must
focus on the patients who will pay them if
they're to continue in business. It's a
viscous cycle.
#2 is that while insurance may not pay for
your menstrual issues, you may receive
enough of a discount by being a member of
the insurance companies' network. After
all, the insurance companies don't pay
what you pay, they pay less through
pre-negotiated rates. By having their
insurance, you'll get their pre-negotiated
rates also. That may pay for itself and
then some.
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This page was last updated on June 11, 2008
