Health insurance - I'm angry - who else?

episodic

Lifer
Feb 7, 2004
11,088
2
81
I know a guy who has worked his whole life, had a good job, a college degree, all of that. A taxpayer, good citizen, etc.

He has come down with a chronic disease that made working extremely difficult. He was eventually 'let go'.

He was smart guy, had a year's salary in the bank, a house, etc.

He paid the cobra premiums as long as he could with the money in the bank, all the while looking for a job with insurance that he could do. Of course noone would hire him. Social services refused to help him as he owned a house and had too much net worth or somthing.

So he had to sell his house. He lived off that money for a time longer. His disease is progressing. The medical bills are staggering. Church helps some, but can't do everything. He has had to stop paying cobra (which if you have not looked is a staggering bill in itself).

Now he is destitute insuranceless, and basically suffering - with little or no future.

This is the system we want, eh?


 

sixone

Lifer
May 3, 2004
25,030
5
61
Originally posted by: episodic
I know a guy who has worked his whole life, had a good job, a college degree, all of that. A taxpayer, good citizen, etc.

He has come down with a chronic disease that made working extremely difficult. He was eventually 'let go'.

He was smart guy, had a year's salary in the bank, a house, etc.

He paid the cobra premiums as long as he could with the money in the bank, all the while looking for a job with insurance that he could do. Of course noone would hire him. Social services refused to help him as he owned a house and had too much net worth or somthing.

So he had to sell his house. He lived off that money for a time longer. His disease is progressing. The medical bills are staggering. Church helps some, but can't do everything. He has had to stop paying cobra (which if you have not looked is a staggering bill in itself).

Now he is destitute insuranceless, and basically suffering - with little or no future.

This is the system we want, eh?

That's very sad. It's also a prime example of why not to put all your eggs in one basket: having health insurance is not enough - disability insurance could have made a big difference to this poor man.
 
May 31, 2001
15,326
2
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Over $100.00 comes out of each of my cheques for the next 19 pay periods, to cover the health cap. I am a single male for a while longer, but people with families covered by our insurance cause more cost-overrun than I do, yet pay only an equal amount. I wish they would change our plan so the amount of overrun we paid for was based on how much of it we actually caused.
 

Jadow

Diamond Member
Feb 12, 2003
5,962
2
0
he was stupid to sell his house, he could have kept it and filed BK. Also, if he has a chronic illness, he could qualify for Social Security disability, and also he could have probable gotten LTD through his former employer.