NationStates Jolt Archive

.. by insurance?

Inspired by something else, and such..

Do you have health insurance, dental insurance, ect?


I'm always surprised when I talk to my friends about some topics like wisdom teeth. They complain about the pain and I ask why they don't just go to the dentis and have them removed then they tell me they can't afford it. I've always been covered and never had to experience what they do. Up until a few months ago I thought everyone had insurance.. But I was very wrong about that it seems.


So.. are you covered?

Also, here in PA they offer CHIP (http://www.chipcoverspakids.com/interior.php?subPage=AboutFAQ) for children. Anything like that in your area?

Car and house insurance. Don't need health insurance here, although I might get dental in the future as it's getting impossible to find a decent NHS dentist.

Yes. Sorry no sale here.

Up until a few months ago I thought everyone had insurance.Wrong country.

And yes, yes I am.

I have OHIP which covers a bunch of basic stuff and my school's health coverage which covers other stuff.

I do wish that OHIP still covered optometrists visits, but I don't have a huge problem with that as my eyesight's perfect so far. *knocks on wood*

Oh, and I don't own a house or a car so I'm not covered there, I drive sometimes, but you can be temporarily insured after reciving permission to drive a vehicle from the vehicle's owner. I don't think I have life insurance either, but I don't have any dependants and I don't know that I really care what happens after I'm dead. Hopefully cremation and no fancy funeral.

Health insurance, no.
Life insurance, no.
Home and auto, yes.
Vision/dental, no.

If I get sick I'll either get better or I'll die. If I die, well my 401(k) is meant to take care of funeral expenses. Since I'll likely never have any spawn to worry about life insurance is not a major concern. Anyone I'm seeing is expected to be able to handle themselves financially.

I have moderately good health insurance, that is pretty expensive. I have crappy dental insurance that is moderately priced.

I have home insurance and car insurance and I pray I never need to use them.

My children are covered under my policy but if I didn't have one or was unable to afford it, my state insures children until they are 21 if they can't get insurance elsewhere, it covers health and dental, and can be extended past 21 for pregnant mom's.

I guess men that are uninsured or women who aren't perpetually pregnant are out of luck though :( (unless they are poor, then they can get Medicare.)

health wise its all free so I guess I’m insured on that front

I’m also able to receive military insurance/whatever but I’m going to try and avoid that if at all possible

Sort of. I've got really crappy health insurance through the school that covers very little and requires me to go to the school clinic before going anywhere else.

Before I was enrolled in grad school, I went a year or so with no health insurance. It was pretty scary.

In April, I'll be able to get really good health insurance, assuming my fiance keeps his current job. =)

Home insurance, car insurance - yes
Life insurance - no

I was sort of expecting something about circumcision.

I have health insurance, dental insurance, and renter's insurance. No car or house, so I'm fine there.

Oh, and about getting wisdom teeth out? A lot of people can't afford it even with insurance. I know when I had mine out, it still cost me something like $1,100 after insurance.

health wise its all free so I guess I’m insured on that front

I’m also able to receive military insurance/whatever but I’m going to try and avoid that if at all possible

Hehe, in the American military breast implants are in the health plan.

.
.
.
<---

.
.
.
<---

Well, it's only right and proper that we care for our Galaxian warrior's.

Well, it's only right and proper that we care for our Galaxian warrior's.

That's not what it points to.

That's not what it points to.

It points to the space between 'Oct 2006' and 'Sweden', if you want to be fussy.

That's not what it points to.

You're right. It points to the no man's land between October 2006 and Sweden.

It points to the space between 'Oct 2006' and 'Sweden', if you want to be fussy.

You're right. It points to the no man's land between October 2006 and Sweden.

Don't be haters, kids. It's so unbecoming.

Don't be haters, kids. It's so unbecoming.

Oh fine. You're from Sweden, and everyone there has health insurance because Sweden is Swede-win.

i think i'm covered by the family bupa insurance policy back in jersey, maybe not now i live in the uk and my parents have split though. not that it matters since we have the nhs.

as for other insurence, i never got round to renewing my contents insurance for my flat this year so i really hope i never get burgled.

Oh fine. You're from Sweden, and everyone there has health insurance because Sweden is Swede-win.

Now, you're with it.

Alas, no.

The problem being that I make far too much money to be covered by any ‘safety net’, but getting an individual insurance policy is expensive. There are a lot of people who fall into that gap of not being covered by state programs and not being able to afford an insurance policy for their family.

The cost of living in the DC metro area is quite high, so even though you may make $50/yr, you still have very little spare cash. Even if you decide to live in the ghetto (and right next door to a crack house) you still pay $1400/month for a roach filled one bedroom apartment with questionable plumbing. Most people have rent control and public assistance housing so the average neighborhood resident is unemployed and indolent, but if you aren’t the poorest of the poor, you better be fairly well off to live in DC.

Anyway… you would be surprised at some of the people who visit the local clinics. They are specifically for those who fall through the cracks – those who make above the assistance threshold, those without sufficient paperwork (have to prove residency to get public assistance), etc. It is simply amazing the people who have to use these – I have met a lot of people with PhDs in the waiting room (it’s a long wait).

I am self-employed. Therefore I do not have any employer provided health insurance. The current system in the US greatly skews things in favor of large institutional policies though tax breaks and subsidies. Those of us who have to look for a policy on our own have to pay through the nose. I have even run into some people that get great benefits through work, but they just started the job and enrollment comes but once a year, and that is several months away. Yet another reason why I am opposed to everyone being completely reliant upon their job to provide health insurance.

The system should be geared towards helping everyone, not just helping big business attract high-earners with a better benefits package.

I would have to a high deductible and still pay about $150 a month. I would basically be paying $1800 each year just in case something catastrophic happens in addition to paying out of pocket for any office visits or prescriptions (up to my deductible – with I really don’t see spending more than $2500 a year anyway). Unless I am going to have major surgery or something, it just doesn’t make sense. Of course it is a risk, but right now that’s a risk I’m willing to take.

your friend should go into the dentist and talk about how to get the wisdom teeth done on a payment plan. while the price has gone up to what i think is an unreasonable price, its not out of the reach of most people unless they have such bad credit that they cant get onto the loan program offered by their dentists.

i have pretty good health insurance that covers me my husband and son. it allows me to go to any doctor but i probably have to have some kind of authorization before nonemercency procedures are done. it includes dental and vision to a limited extent.

your friend should go into the dentist and talk about how to get the wisdom teeth done on a payment plan. while the price has gone up to what i think is an unreasonable price, its not out of the reach of most people unless they have such bad credit that they cant get onto the loan program offered by their dentists.
QFT. When I had my wisdom teeth removed, I used something called Care Credit (http://www.carecredit.com/). You pay off what you owe over a certain period of time, and as long as you pay it off in full by the deadline they don't apply interest. I don't know if it's something all dentists or oral surgeons accept, but it worked out really well for me at the time.

Yes, I've got health insurance. I would be covered anyway, but it also has been made mandatory a couple years ago.

On a totally unrelated note, the price for health insurance has gone up and up in the last years...

I have health and life insurance under my parents. I pay for my own car insurance.

HA! NHS, people!

for the next couple of years at any rate.

The hospital where my mother works covers my family with just about the best health insurance possible which i get until I turn 25 and/or stop being a student, whichever happens first. By 25 I should be done with school and have my own job for health insurance, so that should work out.