That's why many people get mental health services outside of their own PPO network insurance and pay it out of pocket 100%. What you will find is that HIPAA is a sham when it comes to your own PPO demanding mental health treatment records in order to review a case they themselves have already vetted. Which to me, is a crime.
But I don't need any mental health services and haven't in years.
My point is I can't get decent health care period. I'm not talking about mental health specific, I'm saying I am an auto-decline for any form of private health insurance because I was diagnosed with bipolar when I was 15. They consider it "high risk" so they won't touch it with a 10-foot pole. It doesn't matter how high your deductible is or how much you offer to pay per month, they do not want you.
I got strep throat a few years ago and had to pay close to $150 for it because CoverColorado (state-issued healthcare for people who get declined by real insurance) doesn't pay for sh!t. It will pay for some preventative but it doesn't pay for any tests and it doesn't really pay for being sick, especially if you live somewhere where they require you to go to Urgent Care. It basically just exists for absolute emergencies and some very basic preventative care.
So a 400 pound alcoholic smoker could have taken care of their strep throat for a $20 copay and $5 for antibiotics, but because I have bipolar I paid $150.
But I don't need any mental health services and haven't in years.
My point is I can't get decent health care period. I'm not talking about mental health specific, I'm saying I am an auto-decline for any form of private health insurance because I was diagnosed with bipolar when I was 15. They consider it "high risk" so they won't touch it with a 10-foot pole. It doesn't matter how high your deductible is or how much you offer to pay per month, they do not want you.
I got strep throat a few years ago and had to pay close to $150 for it because CoverColorado (state-issued healthcare for people who get declined by real insurance) doesn't pay for sh!t. It will pay for some preventative but it doesn't pay for any tests and it doesn't really pay for being sick, especially if you live somewhere where they require you to go to Urgent Care. It basically just exists for absolute emergencies and some very basic preventative care.
So a 400 pound alcoholic smoker could have taken care of their strep throat for a $20 copay and $5 for antibiotics, but because I have bipolar I paid $150.
This is my biggest problem with the so-called solutions that were created by the group-think going on in DC. I don't think anybody would be opposed to rules and coverage that open up access for everybody. Many think that what we got was just a solution that was only built upon failing programs, though. I look at it, and the more recent CBO estimates, and think, "Is this the best America can do?"
But I don't need any mental health services and haven't in years.
My point is I can't get decent health care period. I'm not talking about mental health specific, I'm saying I am an auto-decline for any form of private health insurance because I was diagnosed with bipolar when I was 15. They consider it "high risk" so they won't touch it with a 10-foot pole. It doesn't matter how high your deductible is or how much you offer to pay per month, they do not want you.
I got strep throat a few years ago and had to pay close to $150 for it because CoverColorado (state-issued healthcare for people who get declined by real insurance) doesn't pay for sh!t. It will pay for some preventative but it doesn't pay for any tests and it doesn't really pay for being sick, especially if you live somewhere where they require you to go to Urgent Care. It basically just exists for absolute emergencies and some very basic preventative care.
So a 400 pound alcoholic smoker could have taken care of their strep throat for a $20 copay and $5 for antibiotics, but because I have bipolar I paid $150.
$150 for strep sounds cheap, I'm sorry. But forking over 300 a month for insurance only to be met with $50 copay, 20% coinsurance, 20 prescription, 1500 ER visit (probably higher with 20% coinsurance), etc.
I won't be able to afford insurance if I lose my job... No one will cover me either... And so what if there is a preexisting condition clause in whatever is getting signed into law in 2014... I mite lose my job tomorrow.
Btw... I wasn't disputing that you don't have struggles, I was just pointing out that even full coverage insurance is a joke financially. Posted via Mobile Device
$150 for strep sounds cheap, I'm sorry. But forking over 300 a month for insurance only to be met with $50 copay, 20% coinsurance, 20 prescription, 1500 ER visit (probably higher with 20% coinsurance), etc.
I won't be able to afford insurance if I lose my job... No one will cover me either... And so what if there is a preexisting condition clause in whatever is getting signed into law in 2014... I mite lose my job tomorrow.
Btw... I wasn't disputing that you don't have struggles, I was just pointing out that even full coverage insurance is a joke financially. Posted via Mobile Device
That was $150 on top of paying close to $250/month for just myself on insurance. Not saying yours is perfect, but I am saying that anyone on any real plan would not have paid $150 for *strep throat.* That is not cheap by any stretch of the imagination.
Now thanks to Halien I'm just concerned that the government is going to make me buy encyclopedias.
Ahh, but you want government to step in and control health care.... Imagine what our country would be like if the government was in charge of mobile technology when it was nationalized. A "smart" phone would be one that included a contract for an annual subscription to the deluxe 28 volume of the 2012 - 2014 encyclopedia americana.
Ahh, but you want government to step in and control health care.... Imagine what our country would be like if the government was in charge of mobile technology when it was nationalized. A "smart" phone would be one that included a contract for an annual subscription to the deluxe 28 volume of the 2012 - 2014 encyclopedia americana.
I don't really want government to control healthcare. I just think there must be a way to provide reasonable benefits to more people.
Like I said before - basic healthcare seems more like a "right" than a "privilege."
Ahh, but you want government to step in and control health care.... Imagine what our country would be like if the government was in charge of mobile technology when it was nationalized. A "smart" phone would be one that included a contract for an annual subscription to the deluxe 28 volume of the 2012 - 2014 encyclopedia americana.
I was a geek as a kid and used to read the encyclopedia, so I could probably live with this. But god forbid they force me to eat broccoli ...
I was a geek as a kid and used to read the encyclopedia, so I could probably live with this. But god forbid they force me to eat broccoli ...
I'm with you there ... But I agree with NiceGuy that health care should be a given in this country. I personally think that Obama's campaign stance, when he argued on the rediculous nature of H. Clinton's suggestion of a federal mandate, is a telling argument of how it could've been done differently.
So - do you believe that our government is trying to intentionally expand its powers?
And - if so - what purpose would this serve?
You don't think Obama is planning to get $1 billion in donations just because people think he's a swell guy, do you? Or any republican, for that matter. Sometimes, returning those favors ends up making Solyndra donors fithly rich. Other times, one has to stretch the powers to pay back the donors through a health care system that is rigged to bleed the middle class dry. But really, Occam's Razor probably applies - What purpose? Because they can do it, but leaving it in the hands of the state might mean that it doesn't get done their way.
Okay - so true story this morning - we have a dog that my oldest basically dropped off in our back yard and we can't keep her (she doesn't like to stay in the back yard so she's always getting out), so we found a home for her at my mom's farm, but we have to have her spayed first.
Sooooo today I called the humane society to inquire about their $10 program for spaying and she started asking me all sorts of financial questions, i.e. are you on food stamps, are you on any housing assistance, etc. I said no, however, I just filed for bankruptcy, does that count???? So she indicated I was considered low income and therefore qualify for the $10 program.
So you mean to tell me if I already received gov't assistance I would without question qualify for this $10 program? But because I work for a living, I can't get a break? Of course it's a mute point because I did qualify, but I think it's just another example of how we, the middle class, are getting screwed.
And another thing that burned me about this whole thing and I understand owning a dog is exciting, but quite frankly if you can't afford to buy food for yourself and need the taxpayers help, how are you going to feed a dog?
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Re: Any thoughts on the health care crisis? 
. Anyway you look at it, its a mess all the way around.
