Individuals with pre existing conditions like diabetes, cancer, heart disease, heart attack, stroke, kidney disease, liver disease, AIDS, depression and a long list of other health conditions, have found it almost impossible to find affordable healthcare. These health issues are causing thousands of individuals to be declined for health insurance. If you are looking for uninsurable health insurance or pre existing condition health insurance, you know how hard a task that can be.
Sometimes preexisting conditions allow an insurance company to deny your health insurance request. However, there are ways you can be provided with affordable healthcare coverage. If you can combine creative insurance planning with the knowledge and understanding of what is available, you’ll greatly reduce the chance of potential financial strain on you and your family.
Should you find an insurance company that will provide health insurance; you’ll quickly discover that this coverage is not cheap. And… the coverage will probably be limited in scope when compared to the coverage for someone with no known health problems. The bottom line is this, whatever coverage you can get, it’s probably best to take it until something better comes along.
You can find affordable health care. I have listed 6 choices below.
Group Health Insurance: The best choice for those with a chronic conditions, pre existing conditions or even uninsurable. It’s really a guaranteed issue health insurance plan. With group health insurance, coverage is usually provided by your employer or your spouse’s employer. The employee will typically have little, if any, choice concerning the features of the coverage. The main advantage of group insurance: new employees will usually get coverage without any medical questions or concern for a pre existing condition. One disadvantage: coverage usually ends when the employee’s job ends.
Professional Organizations: Most don’t know about this option. A number of professional organizations offer their members a health insurance program as a fringe benefit. This health insurance coverage could be a great way to stay insured if you are uninsurable or have a preexisting condition. This is really like a group health insurance policy. See if you can get access to a membership organization which offers health insurance for preexisting conditions or health insurance for the uninsurable. A valid certification or career experience may be required to join. Other associations might accept your membership without these prerequisites. Look for local and national associations. Even with a yearly membership fee, it still might be worth the money.
Private Individual Health Insurance: If you are without group healthcare coverage from an employer or professional organization health plan, yet you have pre existing conditions that have caused you to be uninsurable, obtaining individual health insurance is probably going be a little tough. If you do find coverage, the premiums will often times be unaffordable. However, this still might be your best choice for now. You can always go with a better plan in the future.
State Risk Pools: For individuals who have serious medical conditions, some states allow access to either private individual health insurance for uninsurable or health plans for uninsurable. These plans are defined as high-risk health insurance pools. Individuals in these state risk pools have access to comprehensive private coverage plans. However, the premiums can be very costly, often double what private health insurance would cost for someone who is healthy. Individuals may find enrollment is closed to a new enrollee or the state pool has a long waiting list. These high-risk pools are often the last resort for people who have serious pre existing conditions and are paying exorbitant fees for their insurance, or who are able to meet key state conditions for enrollment.
Discount Health Cards: Companies selling discount health cards claim to save subscribers money by offering discounts on a hospital, doctor, prescription drugs, dental, vision and chiropractic care. Consumers seeking affordable healthcare may be confused by these health cards. They really are not health insurance. You’re still responsible for paying the medical bills. The discount health card simply offers a reduced price for services from participating healthcare providers. They often times make grossly inflated promises on expected benefits and savings. Use caution when purchasing these discount health cards. You may pay more than you save.
Guaranteed Issue Health Insurance: For those who are uninsurable, those with preexisting conditions or someone who just can not afford or qualify for health insurance, then a guaranteed issue health insurance plan may be a good choice. These plans, known as “mini-meds”, are not to be confused with “discount health cards”. These plans are usually quite affordable and offer a considerable amount of coverage. Most pre existing conditions are covered after 12 months. Understand these plans are not basic health insurance or major medical coverage but are limited indemnity plans. This just means the plan pays benefits based on a pre-defined amount per service or procedure. Usually covered are doctor visits, hospital stays, emergency room visits, surgery, accidental death, etc. Most do not require completing medical questions or taking a physical exam to qualify.
Here this nice Video about health insurance
***RIP Sis*** We are holding a Fashion Show in Nataline’s Legacy on July 12th 2008 @ Mercedez-Benz of Calabasas California. More information can be found @ www.myspace.com/fashionlegacy Download The Newly released song for Nataline found in the link below www.myspace.com/natalinesarkisyanbenefit
im calling that number that was shown at the bottom corner lol
When I first saw this, I thought it was for lottery tickets
thought he was gonna pull out his dick or take a shit at first.
50 is too young for medicare. Medicaid is for the very low income, you could certainly APPLY for medicaid, but if they have any assets, they are likely to not qualify. It doesn't change much, the income guidelines, from state to state, HOWEVER, coverage in one state (the state of residence) ONLY covers you for services in THAT STATE. So if they CALL their residence Texas, they won't be paid for any services in CA.
One thing to look into – if they are on SSDI, after 27 months of SSDI, they'd qualify for MEDICARE, even if they aren't old enough otherwise.
Also, the diabetic should look into part time work, at Walmart or something. Walmart does offer group benefits to their part time employees – which is a MAJOR bonus for the older crowd.
There isn't a group for "hard to insure" people, because as a group, you can't get enough premium dollars from them to cover the costs, WHICH ARE EXTENSIVE. Sorry for the bad news.
Just the insurance for the working poor. I made one iota too much money to qualify…
Having been laid off, getting a new job, being fired while sick, and finding out only one little week afterwards that I had a hormone illness making me tired, unable to concentrate, wildly moody, and near to organ failure.
But my job that had promised insurance and failed to deliver, then fired me, left me without even the chance for COBRA.
Well, I went bankrupt trying to pay the bills for my medical care and survival on Long Island, NY.
God bless you all.
I hope your daughter is OK and stays that way, at leat until this all (hopefully!!) changes.
iF IT IS LIFE THREATENING SHE CAN GO TO ANY HOSPITAL VIA THE EMERGENCY ROOM AND IT WILL BE DONE AND SHE WILL BE BILLED ON PAY AS SHE CAN AFFORD BASIS .
That's because…
1) The United States is a capitalist society. Clearly socialism is not well liked in America.
2) The rich are in control of America, not the average people. Republicans act in the interest of the upper class more than anyone else.
i remember this commercial it used to come on all the time in the Chi….
Was it shown outside of chicago????
good lord i sadly remember this commercial growing up. i always laughed at the horrible acting haha
When you have many health problems, it's normal for an insurance company to turn you down. And unfortunately it is legal.
You might want to try a chiropractor, many are willing to work with you on a payment plan or reduce the cost based on your financial problems. They're also very good At treating the problems you suffer from.
I just came.
I remember we use to always mock this commercial back in grammar school lol..
Wait I gotta a question. You tagged this as The Original is that because the audio was altered later on for this commercial? I just watched the one uploaded by jd131 and the part where she ask “do you have insurance on this car” sounds different.
Male Eagles cannot lay eggs!
lmao!!!
Unfortunately, the Brigade is in charge and they are so thrilled with the Obama plan that nothing can derail it unless we kick out the Brigade idiots in 2010. But seems to be too many supporters of the brigade among voters for that to happen so…………we are screwed!!
genius piece of advertising. people remember the commercial and the product which is what advertising is all about.
Good for you for helping out mom. The boomerang of karma will definitely come back to you.
Considering the sum she should find out the minimum required to open an account at a Fidelity, Schwab or TDAmeritrade. Once opened she can buy some stocks that pay dividends (Bank of America yields around 9% right now) or buy municipal bonds ($1000 increments) that are yielding 4-6% tax free. These options are fairly safe investment options. Either way have her read up about investing and the options available to her.
Ok, the first thing you need to realize, is that the frustration will probably get worse before anything thing is resolved, so take a deep breath and prepare yourself for battle, because that's exactly what it is going to feel like. Secondly, remember that health insurance agencies are out to hold on to the money they already have and make more off of their policy holders…period. Don't take their crap personally or let it upset you. With that said, I've gone a few rounds with them myself, and though I can't give you all of the right answers, I can give you some tips and advice. Though this might sound stupid, get a current physical on record. Arthritis is either chronic or acute, and even though yours resulted from a car accident (which could lead to chronic), you had the hip replacement and you no longer have it, correct? You need proof of that, which is why you need the physical. When an insurance company hears "arthritis," they think "chronic" and that means long-term maintenance and payment for treatment. You need to prove that you currently have no condition. Another big catch with insurance is the ever-so-popular "preexisting condition" clause. So again, you're going to have to prove in documentation that the Arthritis is gone, was a one time deal, and that there is nothing lingering over from any previous time. This is going to most-likely require 5 years worth of medical records, as well as current documentation. Finally, contact the insurance company you want to enroll with over the phone, explain everything (you may have to do this more than once). MAKE SURE you also mention (again more than once) that you have in writing proof that you have no conditions that would disqualify you from the insurance. It never hurts to have your PCP sit in an office while you're on the phone with the insurance company
. Other tips: have access to a fax machine, it makes the whole document transfer process a lot easier; Have multiple copies of all documents (including your medical records); Don't request that your copies be mailed to you, it'll take weeks, call ahead and pick them up in person; Lastly, don't hesitate to firmly (but nicely) inform the insurance agency (if they continue to deny you) that you are disappointed that they are denying you for no reason, and you will gladly take your business elsewhere. Remember, it is a business, and most will not like hearing those words. Sorry this is so long, but these are things that have helped me over the years. Hope it helps you as well.
I FEEL VIOLATED!
…AHAHAHAHAH
My IQ dropped just by looking at this.
You have two options. You and your wife could both get on one family HDHP. If you get on the right plan the deductible is per family, not per person. When you have children you could just add them to that plan. Your other option would be to put the kids on a plan of their own. Most companies have children only plans. "Traditional" copay plans are usually better for younger children because most children have several doctor visits each year. If your HDHP is HSA qualified you can open a health savings account and will be able to pay the childrens' doctor visits from that account.
You don't get health care nor should you.
Here is the same analogy without using health care. A person goes and buys a new care and car insurance is mandatory. He can't get insured because he has 6 dui's, 4 car accidents and has been caught driving on a suspended license. What should he do? You see, you should have gotten insurance when your company laid you off, it's called COBRA and you have 6 months to get insurance before it expires. Your examples negligence should not require government intervention.
whatta fakk?! o__O
it looks like a trailer to the 80s trash film…
“It must be Eagleman!”… wow…
LOOOOOOOOOL!
Fucking horridass acting.
Hahahaha.
Goodness.
Go to your Planned Parenthood/Free Clinic & ask where you can get on public assistance.
Sometimes they have it worked out where you can get seen there on an income scale that is affordable (sometimes it's FREE) or they'll refer you to the proper office – same place will also set you up on WIC (free food) if your income allows it.
I did this with my 2nd child – and my whole 9 months, labor & delivery cost me $24.86 (for eating at the hospital for 2 days!) and they gave me WIC certificates for some free food (milk, cheese etc) for me while I was pregnant and for my baby (formula & cereal & cheese) until my daughter was 5yo.
that was so disturbing get some acting lessons. the eagle just craped out an ostrage
@-_-@;
how’d he like it if i reproduced on his car!
Homeopathic Treatment(s) for Gallbladder :-
Head remedy; pain through the lower edge of the right shoulder blade. Liver tender to touch and pressure; dirty yellow face and vomiting Chelidonium 30 4 hourly
Head remedy for gallstone colic Cholesterinum 3X, 4 hourly
Gall stones; jaundice, uncomfortable fullness in liver region Carduus Mar Q (20 Drops)or 6X, 3 hourly
Violent pain liver region; sensitive to touch, feet constantly cold Lycopodium 200 or 1M, weekly (3 Doses in all)
Gall stones colic; patient craves for icy cold water/drinks Phosphorus 200 weekly (3 Doses)
Gall stone colic; itching,pain in the region of liver with renal disease.Twitching and shooting pains; spasmodic pain confined to a small spot Berberis Vulgaris Q or 30, 4 hourly
Violent pain; worse by movement or jar, flushed face Belladonna 30, 4 hourly
Great chilliness; darting pain from right to left with profuse sweating Calcarea Carb 30 or 200, weekly (3 Doses)
Periodic recurrence of colic. Stools undigested; liver sensitive to touch and pressure; loss of appetite though feels hungry China 6X, 6 hourly for 1st month, in 2nd month 30, potency on alternate days
Gall stone colic; shifting,cutting pains; better bending backwards Dioscorea V 30, 4 hourly
Gall stones; discomfort in stomach after eating, constant gagging or empty retching; stools white, loose Podophyllum 30, 4 hourly
Bilious colic; gall stones; constipation;to prevent formation of gall stones Chionanthus V.Q or 6X, 6 hourly
Intercurrent remedy Medorrhinum 200 or 1M fortnightly (3 Doses).
Take the remedy which is similar to your symptoms. No side effects or complications if taken as directed, please do not exceed the given dosage and under any circumstances do not try to mix any remedies and avoid Chocolates, Mints, Coffee, Red Meat, Alcoholic and Carbonated drinks, Spicy Rich Food while taking any Homeopathic remedies, and keep the medicines away from direct sunlight, heat strong smells and perfumes and do not store them in the fridge.
Curing without any side effects or Complications Thats the Beauty of Homeopathic Medicine (Cures Par Excellence)
Take Care and God Bless You !
I don't understand how your payments can be more than when you were covered under the HMO. When I present an HSA option to a business client, I would never suggest it unless there were significant savings in premium. Also, I would never recommend it if the employer were not willing to make some contribution toward the deductible for the employees.
About 75% of all of my clients offer a HSA-qualified plan at least as an option. I have seen it work to control the ever-increasing cost to the employer and don't hear many complaints about coverage, especially if they are set up properly.
I would suggest that your husband contact the HR department and inquire about employer contribution to premium and deductible to make sure that he fully understands your responsibility.
And I thought I were the only one!
The reason is that many insurance companies have a "preexisting condition" clause that says if you had a medical condition before you bought that insurance, they don't have to cover any costs related to that condition. They do have to cover other problems that arise after you purchase insurance, and cannot discriminate or jack up your rates if you have the misfortune of illness after you buy insurance. But if you are sick before you buy the insurance, they can deny you, or deny coverage for the illness that existed before you bought the policy. For example, if you bought insurance after you found out you had diabetes, they might not cover the diabetes treatments, but if you later were diagnosed with cancer, they would have to cover the chemo treatments.
If you and/or your husband are employed by a large employer, such as a big company or a city/town, then they probably do not have a "preexisting condition" exclusion. So, one way to get insurance for difficult diseases like diabetes is to get a job with benefits with a company who's policy does not have preexisting condition exclusions.
There are also insurance programs for children of low income families that you might want to look into, if that situation applies to you.
Diabetes is a very dangerous disease, and expensive to treat. It is important that you get some insurance for your child.
Best of luck with this, and I hope your daughter does well.
You need to visit an agent that works with all the major companies in your area. Many conditions may be a decline with any one company but be accepted with another company. The agent can find out what the companies will do in your situation. There is no extra charge using an agent.
The migraines would not be a decline with most companies in my area. However, they may increase the premium to cover the medication or place a rider on the policy. A rider means they'll accept you but not cover the migraines. The allergies will generally be accepted with an increase in premium unless you smoke; then it will result in a rider or a decline. The hypoglycemia would depend on the severity, control, if the cause is known, and when you were diagnosed. Many companies in my area will decline if the diagnosis has been within one year or if the hypoglycemic episodes are frequent or severe.
Each condition by itself would not prevent you from getting a policy with many companies. However, when all three conditions are taken into consideration it may result in a decline with most companies.
that’s soooo good!
classic commercial! brings back memories! this and the victory auto wreckers commercial!
It doesn't matter if you allow your insurance to pay, or pay for mental health out of pocket, it will still be on record. Any insurance that you may apply for in the future will ask the question about your mental health, and if you try to keep it off the application, it's called misrepresentation of the facts, or in some cases, fraud.
So, go ahead and let your insurance pay. Your policy, if the benefit is included, should have a $10K-$15K lifetime limit for mental health problems.
Edit:
You might want to consider what's causing the depression. Maybe you need to change your lifestyle, job, diet, etc.
Regardless of the outcome, it's better to be safe than sorry, and get treatment. It might save your life.
Being treated for depression does not necessarily cause you to be uninsurable, depending on the severity.
The application would normally ask questions like these:
Are you under observation, receiving treatment, or taking medication for any reason?
In the last ten years, been diagnosed with, treated for, or had any of the follwing diseases or disorders:
(Check all that apply) (There are more, but the only on in question is the Mental)
__ Mental or Nervous disorder
Then they ask for the names, addresses, and phone numbers of your personal physicians, and the dates of, and the reasons for visitations.
If you have not been to a doctor for this problem, and have not been diagnosed, then no one but you knows of the problem. But what would a normal prudent person do in this case?
It would depend on the wording of the question on the application that you would fill out. Not all applications are the same. Ask the agent his/her advice.
you are correct lord however that was no egg, basically they ran the video backwards so it looks as though that egg (actually a 37″ wide butt plug) is comming out of him when in reality it was being magically inserted
what are they selling? PCP?
This is one of those that you can’t help but talk along with them, in that bad acting tone.
“I’ve got something for you” (squats)
Actually, while I'm not a fan of Mrs. Clinton, her proposal does account for people in your situation, namely that a person cannot be refused insurance because of a pre-existing condition. Now, what I don't know, is what the impact of said condition on the premiums will be.
The point is they don't want to insure someone who is likely to cost them a bundle. It would be like giving car insurance to someone who has multiple dui's. Sorry to say it is monetary and not humane motivation. I hope things go well! Good luck.
i remember this! it used on all the time when i was little!
Thank God for Mrs. Clinton. She is so much smarter than everyone else. She will take good care of me…………
~ Well, I've got one too… right now !!! I've asked my smart friend, he says that there's a muscle i've probably pulled. I asked a couple of other students, they said, YES, there a muscle there. My Teacher said i might have ran and twisted or some how sprained my neck. It doesn't hurt much, I've got one to ~ But i've booked my family doctor. Lets hope it ain't to bad for me. You should do the same too.
~ Bye the way, you should seriously see a doctor fast. I've had it for a week now. I'm finally getting that lump checked… The lump is on the side of your right hand, i suppose, right?
~Might be the best thing if you don't ignore it.
Any veteran is eligible for VA health care. None are turned away.
The prices charged to veterans for healthcare by the VA are based on that person's ability to pay.