On How to Get Health Care While Uninsured

@elizabeast Employers are not required to pay for employee health programs, they just have to make one available if they have over a certain amount of employees. Employees now, more than ever are required to pay for own coverage, either through work sponsored programs or privately. Why they generally don't offer because they are new, is most employers not only employ people, they wait until enough people give them enough money to become self insured. This where they take your money, invest it and make money off of it. then tell you what they will what little they will cover, ...and, by the way, since they are your healthcare provider, has all access to your health record claims. So if your treated for anything embarassing or can be used against your position, they magically lay you off, or worst: find a reason to fire you. They aren't attempting to do you any favors by offering health ins t their employees. Go find a private company that has decent rates. Then your health info is truly covered by privacy release, away from your employer, unless you divulge it to them because it is interferring with your position. And don't ever let this happen, because once it causes required and re-occuring doctors excuses with reasons, it will become part of your work record for future employers. You'll be out of a job, misteriously fired or laid off, wondering why no one will hire you even with your advanced skills. All HR call previous employers. Don't make the mistake of your employer being your health care provider to boot. Get your if possible. Once that wasn't possible, but the democrats alone removed the requirement of employer only sponsored health-care. One way is join a membership. they are all over the internet, even Avon offers discounted health care companies for being a rep. (no you don't have to sell Avon to be a rep. just maintain at small order of $50 order every 6 weeks such as shampoos, bras, deoderant for youm, wedding gifts and family, all at discounts. if your good, you can even cover all your costs if you do decide to sell on the side so your health care will barely cost you anything-its one of the best kept secrets of staying an Avon rep-you get discounts on everything from Tv to auto insurance and life ins.)

Posted on September 22, 2012 at 6:29 am 0

On How to Get Health Care While Uninsured

@Aurora Almendral@twitter Yes, it happens all the time. Its the job of their HR personnel to detect or uncover any illnesses, or get let go themselves, whether or not it will actually impede your performance. First they do a pre-hire exam. If you pass that, Then, start monitoring any missed time, by requiring a doctor's excuse outlining the nature of your illness or reason. Always remember, legally you don't have to divulge any medical condition that doesn't interfer with your ability to perform for the position you were hired for. Time off, does this. Wearing braces to work does this also, unless very short term, but raises questions to lay you off first. And, especially "don't risk getting hurt at work" because then it goes into all your work history against prospective employers because your required to be treated by "Their Clinics" for first 10 days, which goes into your work record for perspective employers also. (mainly why smart people pass the buck, rather than simply pick up load of copy paper themselves. No employer will hire you, once they've check previous employers histories. Its the first thing they ask for (any absentee-ism, any work comp. claims, etc.) Even if you've healed, they shy. But lord help you if you are injured at work. Because to not file properly and immediately will just get you fired, laid off, at their very first convenience, only then without workmen's comp. covering the bills and no employer willing to hire you either. So Never, EVER Trust the Employer who offers to pay for your injury under the table. Its a well know trick to only pay a few while finding a reason adequate reason to fire or lay you off, then you won't be able to go back and sue to collect un-paid medical bills or lost wages. And Un-employment rules state You Must be available and ABLe for full time work. so you won't get that either. You'll end up out of work, trying to cover your bills with no income. So if you do get hurt on the job, even if it seems minor-Claim It or get hit in rear end or trip on city sidewalk. Because, wake up and look around. Only on T.V. are speach impaired, walking impaired, previous heart-attacks, employed. Convicts can. Medical conditions no, unless they run their own companies. So again, if you don't expect it will interfer with your ability to perform, your not legally obligated to disclose it and hope the pre-employment doctor doesn't un-cover it. The worst thing you can do is risk an on the job injury. Find another employer where you don't have to risk needle pokes or finger caught in machinery. Workman's Comp requires a lawsuit, even though your supposed to be covered. And Your paid for Social Security Disability benefits are also denied unless you sue them as well and can take 7-10 years with absolutely no income coming in and no employer/paycheck either. Why many who get hurt on job don't say anything, but wait until someone rear ends their car or instead trips over city sidewalk. because ssd is pretty grim even though your paying for it each paycheck. Many are smart people who pay for in between coverage from Aflac. Its expensive, but they kick in in times when others don't and have saved many a house payment, also good to get disability/unemployment ins with your home owners policy. Eat an apple a day, exercise regularly and get better educated to avoid those work environments that risk getting ill/injured, even at home, to stay well away from doctors, their costs and their recording stuff, until such time they reasonably bring down costs, offer superior coverage for risky environments. This exactly why most don't understand sport players getting the money the do. It because a person generally earns a couple of million over 25 year average work period. But sport players, not the coaches or administrators, are the ones using up their bodies for only 3 years, then spend rest of life un-able to work. So must purchase a bar, or get endorsements if ultra lucky. Blue and even white collar personnel can't mortgage the roof over they're head to risk funding a business start up-even with rehabs agencies help. And, state agency assistance absolutely won't attempt to work with you if your illness only allows for part-time capabilities. Vets are fighting for it now, cause Medicaide won't kick in either for part-time, and why many will drink until they get the nerve to commit suicide from hopelessness. So like VETs, fight for your entitlements. There's a reason why they are labeled "entitlements". Its because you paid for these out of your own pocket with each paycheck, your entitled to receive them just like the home owners insurance you also pay for. Don't con yourself into denial, like most of us have done. Be wise, ask questions like this and Look around with your own eyes to get these facts.

Posted on September 22, 2012 at 5:06 am 0

On How to Get Health Care While Uninsured

@Amanda Webber@facebook Just please don't count on that method. Myself (and many others) been demanded by physicians time and again during Urgent Care office EEG monitor picking up irregular heart beat with pain to seek ER immediately. Mostly, Why people see ambulances outside offices. Just to be told by ER docs haven't a clue what's causing irregular beats and pain, except it does seem to be actual heart-attack,but go back to doctors, because not quite full cardiac arrest yet. I under-gone repeatedly over and over for last 2+ years, sent all around from ER, to everyone else, including cardiologist, PT and exercise. At over $1250 a pop,($1000 for only 2.5 hours ER, plus all the hidden ala carte style lab and doctor readings that come seperately afterwards, is why I and many others now wait for full seizuring, knowing the terror in loved ones not wanting you to die in front of them, but trying to save them from financial ruin in doing so. As urgent care won't see emergencies, are now not open after hours or weekends. Forget jewelry's unreasonable mark ups, why are hospitals charging $500 an hour, when your only there 2.5 hours, only have a doctor total of 6 minutes, including reading test results, and a best 3 aids,maybe 1 nurse for discharging telling you to return to your doctor for better diagnosis or come back if they are wrong and you go into actual seizure?

Posted on September 22, 2012 at 3:18 am 0

On How to Get Health Care While Uninsured

@MuffyStJohn I worked in dentistry for seventeen years as collection specialist. Most offices have always made exceptions to keep seeing the un-insured, or referred them to someone that does. Hospitals, as stated in their emergency rooms, are required by law to provide enough treatment to stop you immediately from dying. ex: I couldn't have tumor surgery, until it ruptured, then I could have life saving surgery, at least enough to keep me alive. Not a winning solution at all. But, neither is paying $500 monthly for health ins, just to find you then have to pay even more for deductables and out of pockets and uncovered to boot.

Posted on September 22, 2012 at 1:56 am 0

On How to Get Health Care While Uninsured

@Michelle Like Michelle said, It (Canada) isn't great, it misses quality. Many Canadian's still come here ex: maternaty because imagine having your baby on the hottest day of the year in an unconditioned delivery room, thereby putting your child in distress. Now, ours isn't great either. Doctors and hospitals with 1000% mark up and no answers just to keep billing you more like Michelle said for bloodtests. Better we have Sweden's health care and include total health such as Dentist, eye, hearing and Mostly catastrophic. No one should go bankrupt trying to stay alive to provide for their children. Good luck to all on this. By the way save your Social Security Benefits-You've paid for them, your entitled to receive them just like your car insurance policy. And while we are on subject-Be sure to demand to stop the corporate sponsoring and gifting and super-pac grafting of favors to political candidates in America. Return campaigns back to the people and restore democracy by forcing them to only receive the public funds of the people. Countries should maintain freedom of socially democractic-Capitalism is a tool for businesses and markets only.No more corporate or private wealthy sponsors dictating the peoples lives in U.S. or abroad. Regardless of what they tell you, or what your parents were...When in doubt-vote democracy or Green instead:)

Posted on September 22, 2012 at 1:04 am 0