Nurses working without health insurance - page 5

Wondering if there are any nurses on here working without health insurance? Does your employer provide this?... Read More

  1. Visit  cecilsgirl profile page
    0
    I'm lucky -my Employer pays 100 percent of my insurance, and it is awesome. this may change someday, but for now I am loving it!
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  3. Visit  Up2nogood RN profile page
    0
    Mine pays 100% for me and family with personal yearly deductible of $350 and total family deductible of $1200. Dr visits are $10, and 20% responsibility of labs, specialist's charges (anesthesia, surgeon,etc) but inpatient stay is covered 100%. RN's also get one free CBC each year.
    Each time our contract is up for renewal management threatens to increase our insurance rates/deductibles and our union works hard to keep it from happening.
    It's very disheartening to hear all these personal stories of such poor insurance to those who are the primary caregivers!
  4. Visit  redhead_NURSE98! profile page
    1
    Quote from Esme12
    In my previous post I stated that....... after the hospital I worked at for 15 years (with rave reviews and bonuses) dumped me due to the sudden appearence of "performance " issues, and COBRA was gone,while waiting for open enrollment at my husbands work combined that with no one hires a nurse that needs "accomodations" (although any hospital would cut their tounges out rather than admit they are a bunch of lying dogs) trust me your insurance does lapse longer than 60 days.........and BINGO you are now denied coverage because you have a pre-existing condition.

    With a "pre-existing" condition "they can only look back for 6 months" Really? just 6 months? What a relief!
    The reality is......if you have a pre-existing condition that they won't cover....... chances are you are recieving treatment on a daily basis with meds. Most MD's where I am from require you to see them at least once evey three months to get scripts refilled! (treatment) I happen to be on meds that require at the VERY least monthly moniotring.(treatment) Physical therapy a couple days a week off and on (treatment).

    Yeah.....I have been treated within the last 6 months for this condition .....it all sounds really good on paper until you see all the perforations that run along the side when you rip the paper out of the book. I used to believe all that stuff too............until I became a part of it all and it became a reality for me.......

    ps. I know I sound pitiful and I really don't feel pitiful.......just sharing my new POV
    Well I wasn't specifically referring to you, and I understand what you're saying...but they can only deny pre-existing conditions for the first 12 months of coverage. And within a few years they won't even be able to do that (as long as idiots don't come along and repeal the health care reform bill in its entirety because it's "too long to read.")

    I had a chronic pain condition for five years. All of the mumbo jumbo does su*ck!
    Esme12 likes this.
  5. Visit  Psychtrish39 profile page
    0
    That is what is odd. My very first RN job out of school at a small two hospital system in Missouri offered me first day benefits for me and my children. I didnt make the highest wages but for a new nurse and newly divorced single mom it was wonderful. This was in 2003 not really that long ago. I wonder if they still offer first day benefits for full time employees at the time they offered some to part time and on call as well. I think its just management and corporations saving a dollar on the backs of employees. Its done all the time but it is a bit embarrassing to tell people I work the equavalent of full time and have no benefits but I am looking for full time with benefits all the time. Most places at a minimum you have to wait 90 days and no pre existing conditions and expensive if you are not in the best of health.
  6. Visit  redhead_NURSE98! profile page
    1
    Quote from roser13
    Thank you redheadnurse! I was just scrolling through the thread to see if someone had posted this rebuttal. I wish people wouldn't post what they don't understand.
    I often wonder if people don't self-impose their "pre-existing conditions." As in don't get treatment because they think they have a pre-existing condition when they don't. That is sad if it is the case.
    Esme12 likes this.
  7. Visit  netglow profile page
    1
    I've been self-employed for many years in my past and have bought health insurance on the individual market. I have also processed claims for a doctor's office. I've worked with people in Washington and pressured a particular insurance lobby to force payment and was successful. One thing you need to understand is that insurance companies run the government in regards to healthcare, it does not work the other way around, FYI. I know what it is I speak of.
    Esme12 likes this.
  8. Visit  Psychtrish39 profile page
    0
    Quote from Psychtrish39
    That is what is odd. My very first RN job out of school at a small two hospital system in Missouri offered me first day benefits for me and my children. I didnt make the highest wages but for a new nurse and newly divorced single mom it was wonderful. This was in 2003 not really that long ago. I wonder if they still offer first day benefits for full time employees at the time they offered some to part time and on call as well. I think its just management and corporations saving a dollar on the backs of employees. Its done all the time but it is a bit embarrassing to tell people I work the equavalent of full time and have no benefits but I am looking for full time with benefits all the time. Most places at a minimum you have to wait 90 days and no pre existing conditions and expensive if you are not in the best of health.
    They still do offer first day benefits and still are a non-profit system at my first hospital I worked at. I agree sometimes maybe people do label themselves having pre existing conditions but I have had many HMO and PPO applications ask if you are under a physician's care. I dont have any pre-existing condition per se other than a tired butt some days but our nursing cadre is aging and being a nurse for years wears out the joints and other parts of the body not even counting the stress we endure which leads to stress related illness . I believe healthcare will not change all the way per se until profit is taken out of it. I dont see that happening anytime soon in America.
  9. Visit  Psychtrish39 profile page
    0
    Thats what I am planning on doing.. Onaclearday as I like working the way I am now and I am in generally good health. I believe Group Health here in the Pacific NW offers individual plans and Regence does too.
  10. Visit  lrobinson5 profile page
    1
    Quote from Up2nogood RN
    Mine pays 100% for me and family with personal yearly deductible of $350 and total family deductible of $1200. Dr visits are $10, and 20% responsibility of labs, specialist's charges (anesthesia, surgeon,etc) but inpatient stay is covered 100%. RN's also get one free CBC each year.
    Each time our contract is up for renewal management threatens to increase our insurance rates/deductibles and our union works hard to keep it from happening.
    It's very disheartening to hear all these personal stories of such poor insurance to those who are the primary caregivers!
    Where do you work, and are they hiring? :redpinkhe
    Esme12 likes this.
  11. Visit  SandraCVRN profile page
    0
    All employees at my current hospital are required to have health ins. If you can't show proff through your spouse you are automatically enrolled. We have different choices of deductables, I think the coverage is average. About 425 a month for hubby & myself, would be a little lower if I could get him to quite smoking.
  12. Visit  FLmomof5 profile page
    2
    48yo here and I have not seen the likes of what some posters are putting on here! I have worked for the USAF (AD and Civil Service) and assorted corporate entities. The MOST expensive ins I had was as an IT contractor @ $1000/mo but it came with low deductible, co-pays, et. al. Other than this, I got fam coverage, with low OOP costs for ~ $300/mo for decades. I don't have to purchase ins anymore because I married a wonderful man who is AD military.

    BTW, jenin.....would you mind informing the gang here about how much you lose each pp for taxes? My hubby worked in Aus. (Was married to an Aussie at the time.) Truth be told, he would get more $ on the dole than working FT and paying the enormous taxes he had to pay! He did love the socialized medical care....but you should see the size of the scars that he was left with! (10 in lateral scar for kidney stones!) But, everyone needs to realize that medical bills will be paid one way or another. Either you pay premiums or you pay taxes. The problem with the current political (US) model is that it rewards the lazy and irresponsible (octomom comes to mind) while penalizing those who work! [All you wonderful nurses with astronomical premiums pay for your own insurance AND your taxes pay for the likes of octomom!]
    Esme12 and JacobK like this.
  13. Visit  Mudder profile page
    5
    I've got an idea.......I think if I get really sick and can't afford insurance/deductable anymore, I'll just go to a post office and slap a postal worker, that's a federal offense Hey, we house federal inmates at my facility (post op, IV ABTs etc) and they get treated like kings........all on OUR dime!
    trixie333, Hoozdo, Esme12, and 2 others like this.
  14. Visit  Esme12 profile page
    4
    Quote from redhead_NURSE98!
    Well I wasn't specifically referring to you, and I understand what you're saying...but they can only deny pre-existing conditions for the first 12 months of coverage. And within a few years they won't even be able to do that (as long as idiots don't come along and repeal the health care reform bill in its entirety because it's "too long to read.")

    I had a chronic pain condition for five years. All of the mumbo jumbo does su*ck!
    Thanks........all the mumbo jumbo crap is crazy. Denials, repeals, and paperwork......and in those 12+ months MASSIVE bills. It's all so frustrating........they can debate healthcare reform all they want to......especially when it has absolutely NO effect on them at all! They have insurance and always will have insurance.....that they don't pay for plus their saleries in full for the rest of their lives. They're all in bed with each other (politicians, insurances, drug companies, and hospitals)......they just like to make noise.


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