DUer Health Insurance Quiz:

One thing I'm thankful for. No referrals required, good network, good selections and medication is generally 15 bucks a prescription. Copay only 15 bucks and I've never had any problems with them at all!

United Healthcare, by the way.

Get diagnosed with a chronic illness, you'll find the deal changing rapidly.

I was given the slow death sentence. I might as well move back to South America. :eyes:

and I see no reason whatsoever to put them down. When I read about other health insurance debacles I'm always thankful for my experience with UHC!

no major complaints, so far(other than cost, obviously).

year and this year our deductible is $600.00. i'm not complaining -- happy to have it but our premiums keep going up along with the deductible and it's through my husband's employer.

for several years in a row now, so our bottom line hasn't changed.

have chronic fatigue syndrome -- i don't think i ever answered a questionnaire though. i think maybe because my husband is the insured -- they might give me a break. one thing that i cannot get through any insurance company is a long term policy because of the meds that i take. we have my husband covered but if i need long term care we could lose everything we have. that's scary.:scared:

Have you heard of it or tried it? It hasn't done as well as I had hoped after reading the stellar reviews online, but it has taken away just enough of the severe fatigue that I can at least keep myself going to some degree, even though I'm still out of it.

doctor last week. he said they were have some good luck with lumesta for sleeping. gave me a prescription to give it a try. i've been taking klonopin and flexeril for years for the sleep and i know i'm addicted. so i'll have to try the lumesta maybe 2 nights a week and if it works wean myself off the other drugs. i've also been taking prozac which is supposed to help with the energy. don't know whether it does but it probably allows me to cope better with this illness. i've had it for more than 16 years.

he did mention rozeren for sleep -- said i should check it out on the internet and he said they're having good luck with Ribozipp which is an energy drink. and he mentioned Sterol for the immune system.

i find that altovis (herbal) sometimes helps with the energy. if i'm just tired from lack of sleep it helps but if i'm having a bad chronic fatigue day -- nothing works -- my eyes hurt and i have to stay in a dark room and would not even try to go out and drive. i have those rolling shutters on my bedroom window so i can keep that room nice and dark on bad days.

how long have you been ill? do you also have fibromyalgia. i don't and i'm thankful as i've heard that the pain in really bad.

The medical rocks my socks off.. but dental sucks.

Don't use it much though so I don't know how good they are.

:think:

:(

i've known people who have picked up classes just to get coverage.

the coverage sucks. (Pardon my language).

does i have it, but don't feel adequately insured -- not when my deductible has gone up. my husband's doctor wanted him to have an MRI of his foot which has been infected periodically and when she realized it would cost us $600.00 (deductible) she said "well maybe we can wait awhile".:dilemma:

describing as "private/consider myself underinsured" if you have trouble affording the deductibles.

In case of catastrophic health care emergency:
1. ask neighbor if I can borrow a shovel, and
2. start digging.

nOT JUST insurance, as in last election try.

drs
Big Pill
Hospitals/nursing homes
insurance

leave any private, and prices therein will keep on skyrocketing to make billionaires of the owner, and paupers of us.

PS HOUSECALLS in nationalized Eng. and Germany. Like to get that? I thought so LOL.

until I got a chronic illness. I carried private insurance for 27 years, paying the full cost myself for 20 years. Chronic illnes = reduced income = Can't afford insurance
Had to go on a government plan that I am fortunate even exists.
I try not to use it because it is considered a kind of charity and always headed for the budget chopping block.
I mainly need it so the hospital would not take my house if something serious happened. The hospital where I live is very agressive in seizing property.

If your premiums are so high (e.g., $3000) that unless you suffer a crisis you'll never reach it?

In the past with a couple of "emergency" situations, and several days of INTENSE privacy-invasive paperwork we have qualified for the state program for the poor. I am fairly certain we no longer qualify due to changes and more restrictions. I keep my fingers crossed and tell the kids to be carefull contantly.

I wouldn't even care if we had full coverage, but with emergencies it shouldn't be so hard to get help. That is all I ask for.

until I found out I was not. They don't tell you about the exceptions when purchasing the policy. Unfortunately I found out in the mist of a serious illness. Buyer Beware.

But, I'm also an advocate of socialized medicine.

At least for myself. I pay extra for dependent coverage. But as the premiums go up, the coverage gets worse.

If I had health problems, I'd be fcked.
I've been without health insurance most of my 30+ years. It has worked out fine for me because I am (knock on wood) a healthy person, with very few emergency room visits. It's a terribly risky way to live, though. Health care coverage is definitely a problem in the U.S. I would bet this contributes to the U.S' pathetically high infant mortality rate, which is barely better than Croatia's.

"seem" to be going fine.

Welcome to DU!! :toast:

when I ride by a hospital that's how it feels to me and I'm a nurse. I could never, ever afford an ER bill.