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#21
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The Disney Magic
On Sun, 30 Oct 2005 19:22:07 -0800, jps wrote:
In article , PocoLoco415 says... What a boat, what a ride, what a fantastic week! I *will* go for another cruise on the "Disney Magic", regardless of the number of kids aboard! The service, food, entertainment, and atmosphere were much more than I expected. I had taken three paperbacks to read, along with a new Nikon D70 book, to read rather than be bored. I finished none of them. However, we had some bad news waiting for us. My older daughter underwent an MRI which showed three breast tumors. Biopsies showed two to be benign, but one is malignant. Now the younger daughter is very concerned, and wants to have a test of her genes to determine if she inherited the BRAC1 or BRAC2 gene from her mother, who died of 'abdominal' cancer. She, however, is concerned that if the test comes back positive, she will lose her health insurance. Has anyone ever heard of that? Sorry to hear the news John. Cannot stand the thought of my kids sick. Hope the best for her quick and effective treatment. jps Thanks. Yeah, sick kids are a bummer. Makes me wish I was an oncologist rather than one who can do nothing but give emotional support. -- John H. On the 'PocoLoco' out of Deale, MD |
#22
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The Disney Magic
On Mon, 31 Oct 2005 00:19:54 -0500, thunder wrote:
On Sun, 30 Oct 2005 21:20:47 -0500, PocoLoco wrote: Thanks for quoting Harry's response. It seems to lend credence to what my daughter has heard. I just did a little search on this issue. Depending on the state, not only might she have insurance problems, she might also have employment problems. Not common, but still possible, depending on circumstances. I would suggest Harry's idea about maintaining anonymity might be best. There is federal legislation to address this, but . . . http://content.nejm.org/cgi/content/full/353/9/865 Thanks for your time. That's a good site with some good info. -- John H. On the 'PocoLoco' out of Deale, MD |
#24
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The Disney Magic
"PocoLoco" wrote in message ... On 31 Oct 2005 10:12:35 -0800, wrote: thunder wrote: On Sun, 30 Oct 2005 21:20:47 -0500, PocoLoco wrote: Thanks for quoting Harry's response. It seems to lend credence to what my daughter has heard. I just did a little search on this issue. Depending on the state, not only might she have insurance problems, she might also have employment problems. Not common, but still possible, depending on circumstances. I would suggest Harry's idea about maintaining anonymity might be best. There is federal legislation to address this, but . . . http://content.nejm.org/cgi/content/full/353/9/865 But seeing how NOYB lives in Naples, and is the best at everything there ever way, he knows everything, so the federal government couldn't possibly be right. STFU, Kevin. "there ever way"???? Should I "assimilate" that kevin has grasped basic english? -- John H. On the 'PocoLoco' out of Deale, MD |
#25
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The Disney Magic
"NOYB" wrote in message ink.net... "thunder" wrote in message ... On Sun, 30 Oct 2005 21:20:47 -0500, PocoLoco wrote: Thanks for quoting Harry's response. It seems to lend credence to what my daughter has heard. I just did a little search on this issue. Depending on the state, not only might she have insurance problems, she might also have employment problems. Not common, but still possible, depending on circumstances. I would suggest Harry's idea about maintaining anonymity might be best. There is federal legislation to address this, but . . . http://content.nejm.org/cgi/content/full/353/9/865 Since John's daughter is already insured under a group policy, she can never be rejected (or quoted a higher premium) by another group because she is protected by COBRA. She *could* have problems with medically underwritten individual plans though. She has a big problem if the husband has to leave a group plan to a individual / family plan. If the group also offers individual, then you can change plans, They can raise the rates for her, but they have to insure her. If they do not offer an individual plan, then after COBRA she goes on HIPPA. Lots of dollars for very little coverage. My wife is on Lipator, and had been on for 2 months when COBRA ran out, so we in a $1700 / month HIPPA, with 4k deductible and no office visits. |
#26
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The Disney Magic
"Harry Krause" wrote in message ... NOYB wrote: "thunder" wrote in message ... On Sun, 30 Oct 2005 21:20:47 -0500, PocoLoco wrote: Thanks for quoting Harry's response. It seems to lend credence to what my daughter has heard. I just did a little search on this issue. Depending on the state, not only might she have insurance problems, she might also have employment problems. Not common, but still possible, depending on circumstances. I would suggest Harry's idea about maintaining anonymity might be best. There is federal legislation to address this, but . . . http://content.nejm.org/cgi/content/full/353/9/865 Since John's daughter is already insured under a group policy, she can never be rejected (or quoted a higher premium) by another group because she is protected by COBRA. She *could* have problems with medically underwritten individual plans though. A. I wouldn't bet on anything in perpetuity. B. Protected by COBRA? You mean paying COBRA rates? That's hardly protection, and it expires. Most is 10% over the employers price. To cover administrative costs. If the employer goes BK, then no COBRA. 18 months coverage. The you go on HIPPA. Price will give you a heart attack, and you will not need it for long. C. If there is a change in employment and a change in insurers, the new insurer will have access to medical records. But the Group plan will be at about the same rate as the rest of the company. D. The best protection remains a universal health payment card issued by the federal government. BS. The best is a plan that requires the providers to provide at the best rate to a cash paying customer. Also, give coverage at a high deductible to all at a decent rate. Universal health would be like MediCal in California. The people on MediCal go to the doctor for everything. Costs them nada. If you have a universal health plan, make the first 5 visits or so a year a $100 deductible. Stop the abuse of the medical system. |
#27
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The Disney Magic
On Tue, 01 Nov 2005 03:55:27 GMT, "Bill McKee"
wrote: "NOYB" wrote in message link.net... "thunder" wrote in message ... On Sun, 30 Oct 2005 21:20:47 -0500, PocoLoco wrote: Thanks for quoting Harry's response. It seems to lend credence to what my daughter has heard. I just did a little search on this issue. Depending on the state, not only might she have insurance problems, she might also have employment problems. Not common, but still possible, depending on circumstances. I would suggest Harry's idea about maintaining anonymity might be best. There is federal legislation to address this, but . . . http://content.nejm.org/cgi/content/full/353/9/865 Since John's daughter is already insured under a group policy, she can never be rejected (or quoted a higher premium) by another group because she is protected by COBRA. She *could* have problems with medically underwritten individual plans though. She has a big problem if the husband has to leave a group plan to a individual / family plan. If the group also offers individual, then you can change plans, They can raise the rates for her, but they have to insure her. If they do not offer an individual plan, then after COBRA she goes on HIPPA. Lots of dollars for very little coverage. My wife is on Lipator, and had been on for 2 months when COBRA ran out, so we in a $1700 / month HIPPA, with 4k deductible and no office visits. Thanks for the info, Bill. -- John H. On the 'PocoLoco' out of Deale, MD |
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