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Discussion Boards => Off-Topic => Topic started by: Mizzkizz7 on June 29, 2019, 02:36:49 pm

Title: No Health Insurance
Post by: Mizzkizz7 on June 29, 2019, 02:36:49 pm
Is there anyone who doesn't have health insurance? If you do, how did you get it? while not working?
Title: Re: No Health Insurance
Post by: timvolley on June 29, 2019, 09:06:18 pm
my understanding is that you have to look online and apply for it.
Title: Re: No Health Insurance
Post by: singletonb on June 29, 2019, 09:58:33 pm
I guess you just have to do a lot of research and carefully make the best decision.  NOT easy
Title: Re: No Health Insurance
Post by: hawkeye3210 on June 30, 2019, 05:50:43 am
Go to www.healthcare.gov
Title: Re: No Health Insurance
Post by: countrygirl12 on June 30, 2019, 12:17:42 pm
Is there anyone who doesn't have health insurance? If you do, how did you get it? while not working?

I don't have it.  Not sure how you get it if you are not working.  Heck, I don't know how to get it while working.

Kind of hard to pay over $1000 a month for premiums.
Have a $6,000 to $10,000 deductible.
Then you have to pay ALL your own medical expenses in addition to the premium because you have to met the deductible.
Title: Re: No Health Insurance
Post by: countrygirl12 on June 30, 2019, 12:18:17 pm
Is there anyone who doesn't have health insurance? If you do, how did you get it? while not working?

You could go to your local welfare office and tell them you are illegal.  That should get you signed up for free that very same day!
Title: Re: No Health Insurance
Post by: Work2hard on June 30, 2019, 12:26:51 pm
I don't tell anyone but sometimes none here
Title: Re: No Health Insurance
Post by: Mizzkizz7 on June 30, 2019, 12:46:34 pm
Is there anyone who doesn't have health insurance? If you do, how did you get it? while not working?

You could go to your local welfare office and tell them you are illegal.  That should get you signed up for free that very same day!

You got that right!!!
Title: Re: No Health Insurance
Post by: madeara on June 30, 2019, 01:02:45 pm
I would imagine your social security office could help you apply for government health insurance.  All the best to you.
Title: Re: No Health Insurance
Post by: mapiklfish on June 30, 2019, 01:19:46 pm
We do not have health insurance with my husband's job.  We had to get ObamaCrapCare.  We can't really afford to use it and we have to pay for it.  We had to apply for it online.
Title: Re: No Health Insurance
Post by: beatsdrop on July 01, 2019, 09:10:56 am
I don't have health insurance either. It's not fun.
Title: Re: No Health Insurance
Post by: bretay on July 01, 2019, 09:44:18 am
i was going to the free clinic here for years until someone told me i could get a subsidy off of my husbands disability check..i now have insurance and it it so nice..but free clininc was there when i needed them
Title: Re: No Health Insurance
Post by: betlynjua on July 01, 2019, 10:09:58 am
My husband and I are business owners.  We have health care coverage through our business.  I would have no idea how to get coverage it you don't work.  As far as getting insurance through the company you work for, that is going to depend entirely on the company and how the HR is set up.
Title: Re: No Health Insurance
Post by: JaniceSW on July 01, 2019, 11:43:30 am
At this time, illegals don't have free health insurance.  Fake news!!
Title: Re: No Health Insurance
Post by: countrygirl12 on July 01, 2019, 11:45:48 am
I would imagine your social security office could help you apply for government health insurance.  All the best to you.

Everyone does not qualify for government health insurance.
Title: Re: No Health Insurance
Post by: countrygirl12 on July 01, 2019, 11:46:55 am
i was going to the free clinic here for years until someone told me i could get a subsidy off of my husbands disability check..i now have insurance and it it so nice..but free clininc was there when i needed them

There are no free clinics in my area.
Title: Re: No Health Insurance
Post by: squirrelgirl44 on July 01, 2019, 11:53:37 am
I have coverage through my work. It was way too expensive to get coverage for my daughter through my employer so I had to go to the exchange ( http://connectforhealthco.com/ ) to get hers. For a health teen I pay over $200 a month in premiums and the deductible is crazy high. Insurance is a joke...
Title: Re: No Health Insurance
Post by: makeblessed on July 01, 2019, 12:37:47 pm
Contact you local government or county office; they should be able to guide you  in the right direction; good luck.
Title: Re: No Health Insurance
Post by: ancmetro on July 01, 2019, 02:35:14 pm

     I have health insurance.
     The real problem is: Some insurance companies deny your claim.
     You just have to take them to Court-Sue them!
Title: Re: No Health Insurance
Post by: countrygirl12 on July 01, 2019, 02:46:50 pm

     I have health insurance.
     The real problem is: Some insurance companies deny your claim.
     You just have to take them to Court-Sue them!

That is stupid.  They should not be able to deny a claim.  If you need medical care they should pay for it.  Unless it is elective.  You want a tummy tuck then you need to stop stuffing your face. But things that are needed they should not deny esp if you pay the premiums. That is another reason some people just say no way to paying ridiculously high premiums and all their own medical care because of deductibles higher than a lot of people spend at a doctor in a life time.
Title: Re: No Health Insurance
Post by: vg7405 on July 01, 2019, 03:35:00 pm
Thankfully, I have health insurance. But I had a feeling that the Affordable Care Act did more harm than good. It is heart-wrenching that even after the passage of the ACA, people are struggling to afford health insurance. Unsure when the United States will get on the same bandwagon as Canada and go down the universal health insurance avenue.
Title: Re: No Health Insurance
Post by: mrisha on July 01, 2019, 07:15:45 pm
You can go to the welfare office and hospitals who will help you out getting insured.  They set you up for vision, dental and other health care insurance.  They even help you set up everything to be covered.  It's out there, you have to do some research.
Title: Re: No Health Insurance
Post by: potluck6 on July 01, 2019, 07:50:50 pm
have it through Obamacare it works for me.
Title: Re: No Health Insurance
Post by: de3ik on July 01, 2019, 07:52:34 pm
My mother had no health insurance and had to go a free clinic for a while for her health care. I was worried about her because she needed a surgery desperately to get well. The only thing we were able to find was the Affordable Care Act health care in our state. She became signed up and thankfully got her much needed surgery in March and is recovering. It's not the best you can get but for her situation is helpful enough for her current needs.
Title: Re: No Health Insurance
Post by: countrygirl12 on July 02, 2019, 04:53:14 am
Thankfully, I have health insurance. But I had a feeling that the Affordable Care Act did more harm than good. It is heart-wrenching that even after the passage of the ACA, people are struggling to afford health insurance. Unsure when the United States will get on the same bandwagon as Canada and go down the universal health insurance avenue.

Praying they never do.  People need to get a clue and understand that the healthcare is NOT free.  And the healthcare is not worth anything.  People die waiting for a bed.  If people are so in love with Canada's set up they need to move there.  It's funny because people who have health problems try to get to the United States because we have better health care than any other country.
Title: Re: No Health Insurance
Post by: countrygirl12 on July 02, 2019, 04:55:18 am
My mother had no health insurance and had to go a free clinic for a while for her health care. I was worried about her because she needed a surgery desperately to get well. The only thing we were able to find was the Affordable Care Act health care in our state. She became signed up and thankfully got her much needed surgery in March and is recovering. It's not the best you can get but for her situation is helpful enough for her current needs.

I am curious where all these free clinics are.  I have never heard of that.  Certainly do not have anything like that any where close to me.

At least your mom could get the free insurance.  Most people can't get it.  I tried to get it because I can't afford insurance and I was told I did not qualify.  Here look at this.  It is affordable. NO, it was more than my income.  Not sure how I am suppose to afford that.  But hey, at least the baby machines all have insurance.
Title: Re: No Health Insurance
Post by: mrsmere on July 02, 2019, 08:02:59 am
I have health insurance but we have clinics in our area.  I volunteer at a homeless shelter and they have access to plenty of places that can help people.
Title: Re: No Health Insurance
Post by: ghunter on July 02, 2019, 08:12:29 am
I am still working, so I have health Insurance.
Title: Re: No Health Insurance
Post by: sfreeman8 on July 02, 2019, 06:55:13 pm
Is there anyone who doesn't have health insurance? If you do, how did you get it? while not working?

If you're laid off, CObRA through the state. Also, your state should have a health insurance office where you can apply for approved insurance plans. I was laid off 2010; got unemployment and checked into COBRA and state plans. I decided since I only had a year to go for Medicare I could wait. Ha! At 9 months was when I wound up with my knee sarcoma and 5 years later still fighting with the hospital over the bill. They wanted $1200 a month to pay the bill. My Social Security was %600. They said I didn't qualify for Medicaid. Why? That was my argument. Here they thought my husband had guaranteed payment. Nope. He never signed any papers. Only me. So, I got an attorney and he solved it with one 3 paragraph letter. So far (4 year later), they haven't bothered me but the stress was awful.
Title: Re: No Health Insurance
Post by: sdenimandlace1 on July 03, 2019, 03:27:50 am
It is very expense if you have to pay it without a employer paying  part of it.
Title: Re: No Health Insurance
Post by: countrygirl12 on July 03, 2019, 04:44:05 am
You can go to the welfare office and hospitals who will help you out getting insured.  They set you up for vision, dental and other health care insurance.  They even help you set up everything to be covered.  It's out there, you have to do some research.

There is no hospital that will set you up with insurance.  And the "welfare office" as you say does not do this either.  You have to go online and apply.  And just because you apply does not mean you are going to be accepted to get it for free.
Title: Re: No Health Insurance
Post by: mapiklfish on July 11, 2019, 07:26:16 pm
We have Obama Crap Care which I can't afford to use but have to pay for every month.  The Dr. keeps bugging me to come in for this and that.  I was just there on a FREE THE DRUGS visit.  They were being held hostage.  She was bugging me to get on rat poison for Afib but, that would be sooooo expensive in blood tests.  Now, today, I just get another message that they want me to come in and discuss my Sjogrens.  ARGH!  There isn't anything you can do for Sjogrens.  I can't afford to go in and talk about something that you can't do anything about.  Maybe if I can find a good medicare plan, next year, I can get some stuff done but, in the meantime, I need to stay away, if at all possible from clinics and hospitals!
Title: Re: No Health Insurance
Post by: countrygirl12 on July 12, 2019, 04:44:39 am
We have Obama Crap Care which I can't afford to use but have to pay for every month.  The Dr. keeps bugging me to come in for this and that.  I was just there on a FREE THE DRUGS visit.  They were being held hostage.  She was bugging me to get on rat poison for Afib but, that would be sooooo expensive in blood tests.  Now, today, I just get another message that they want me to come in and discuss my Sjogrens.  ARGH!  There isn't anything you can do for Sjogrens.  I can't afford to go in and talk about something that you can't do anything about.  Maybe if I can find a good medicare plan, next year, I can get some stuff done but, in the meantime, I need to stay away, if at all possible from clinics and hospitals!

Why do you HAVE to pay for bamercare every month?  WHO is forcing you to take this insurance?
Title: Re: No Health Insurance
Post by: ktheodos on July 12, 2019, 04:49:20 am
Go to the exchange website for your state and obtain it that way. When I was underemployed, that's how I did it - actually had several options and wasn't really expensive fortunately.
Title: Re: No Health Insurance
Post by: countrygirl12 on July 12, 2019, 04:57:48 am
Go to the exchange website for your state and obtain it that way. When I was underemployed, that's how I did it - actually had several options and wasn't really expensive fortunately.

Not everyone can afford that.  That was the point of others.  It is WAY too expensive.  Not everyone is going to qualify for the free ride.  I know I didn't.  The only ins I have found costs more than I make in a month.  Maybe it has to do with the state you live in.  NOTHING is affordable about the so called affordable care act.  NOTHING.
Title: Re: No Health Insurance
Post by: nannycoe1 on July 12, 2019, 05:00:02 am
I have medicare and a prescription part D that comes out of my SS
Title: Re: No Health Insurance
Post by: vickysue on July 13, 2019, 02:41:31 pm
We dropped our health insurance as it had gotten so expensive we  couldn't  afford it .  Like $500.00 and over  each. Now we are on Medicare.   Just recently we  found out  there are programs out there that we  qualified for.  We now get Medicaid  also that pays for  C and D. So  we are getting everything  free and might have to pa$3.50 for meds.  We also do not have to pay that  deduction on  Medicare  either. Go to your  Social security office and ask for it. I also put  my day on it .  He is paying like $400.00  a month and  is only making $766.  A month.  So now he will no longer have to pay  for supplement insurance he will no longer pay for the deduction out of his Social security.  Folks the programs are  there you just have to  ask. 
Title: Re: No Health Insurance
Post by: teresa3200 on July 13, 2019, 08:46:31 pm
My friend has low income so she gets it free from the obamacare system but it really doesnt cover much.
Title: Re: No Health Insurance
Post by: mardukblood2009 on July 13, 2019, 11:31:06 pm
Apply for Medicaid. Look online how and you can do it over the phone if that works best for you.
Title: Re: No Health Insurance
Post by: countrygirl12 on July 14, 2019, 05:15:59 am
We dropped our health insurance as it had gotten so expensive we  couldn't  afford it .  Like $500.00 and over  each. Now we are on Medicare.   Just recently we  found out  there are programs out there that we  qualified for.  We now get Medicaid  also that pays for  C and D. So  we are getting everything  free and might have to pa$3.50 for meds.  We also do not have to pay that  deduction on  Medicare  either. Go to your  Social security office and ask for it. I also put  my day on it .  He is paying like $400.00  a month and  is only making $766.  A month.  So now he will no longer have to pay  for supplement insurance he will no longer pay for the deduction out of his Social security.  Folks the programs are  there you just have to  ask. 

Must be nice.  Yeah there are freebies for "some" people.  Be glad you qualify.  Everybody does not qualify.  And FYI FREE is not FREE.  YOU may not pay for it but somebody else is.  Like the people who are paying $1000 to $1500 a month for premiums.