Life insurance - death risk?

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Postby Pasics Pete on December 27th, 2005, 6:37 am

basso wrote:Better move to Canada. Long waiting lists but free health care.

Cheers, :D
Basso



No such thing as "free" health care. As PJ O'Rourke once said (regarding the current American health care system), "If you think health care is expensive now, wait until you see what it costs when it's free."
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Postby SuziQ on December 27th, 2005, 6:42 am

Wait-I missed the first part and I'm rushing off to work so I can't read the history.

WHY did they refuse to insure you?

Don't mean to bring the lighthearted humor to a screeching halt, I'm just wanting to catch up.
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Postby basso on December 27th, 2005, 8:34 am

Pasics Pete said:

No such thing as "free" health care. As PJ O'Rourke once said (regarding the current American health care system), "If you think health care is expensive now, wait until you see what it costs when it's free."


Oh goody, a debate on health care. :lol: Actually, you are right, in the sense that nothing is free; it comes from the good old tax payer. Every country has it's sacred cows and socialized health care is definitely one of ours. This is why serious debate on how to fix some of the many weak areas are, unfortunately, destined for failure. It would seem to me that there are glaring weaknesses in both systems.

In regards to Mr. O'Rourke, he has made a lot of hay out of sound bites full of, in many cases, naive generalizations. His comment on health care, in my opinion, is one of these cases.

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Postby JodiD on December 27th, 2005, 7:45 pm

basso wrote:Better move to Canada. Long waiting lists but free health care.

I would think that, if anything, life insurance would cost MORE in Canada. I mean with all those people dying while waiting for a doctor appointment... :lol: :lol:

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Postby SuziQ on December 27th, 2005, 7:56 pm

JodiD wrote:I would think that, if anything, life insurance would cost MORE in Canada. I mean with all those people dying while waiting for a doctor appointment... :lol: :lol:
Jodi


I THOUGHT you'd said "Life Insurance."

Why on earth were you turned down?

Basso wrote:Oh goody, a debate on health care. Actually, you are right, in the sense that nothing is free; it comes from the good old tax payer. Every country has it's sacred cows and socialized health care is definitely one of ours. This is why serious debate on how to fix some of the many weak areas are, unfortunately, destined for failure. It would seem to me that there are glaring weaknesses in both systems.


BTW-Basso-be careful-I work part time for an HMO here in the US. Them's fightin words.

Suzi-sheepishly retreating into her corner awaiting attack.
( she works for hmo, hubby works for a pharmaceutical company ) Y'all can't get any higher on anyone's p-ooplist than THAT!
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Postby basso on December 27th, 2005, 9:19 pm

Life insurance and health care at a hospital; the ultimate oxymorons. Death insurance and sick care would be more appropo don't you think?

Jodi, does that mean you are back to level one? :wink:

SuziQ you are always ready for a good fight aren't you. :lol: No doubt I would lose such an argument. I am feeling a little weak tonight, too much adrenaline has been pumped into my twitching legs from watching four episodes in a row of 24!! :shock: I am also listless from eating an entire box of coconut fingers, mmhh they were so yummy.

cheers,
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Postby SuziQ on December 27th, 2005, 9:38 pm

basso wrote:SuziQ you are always ready for a good fight aren't you. :lol:

No, you've reformed me. I am now a nonviolent pacifist, only seeking to spread peace for the rest of my fasciculating days. I do occasionally enjoy a good spanking, though. :twisted:

basso wrote:I am also listless from eating an entire box of coconut fingers, mmhh they were so yummy.


:P mmmmmm...they do sound yummy, indeed. You sharing?

I've never heard of coconut fingers. Why fingers and not some other, more substantial body part? :roll:
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Postby JodiD on December 27th, 2005, 11:13 pm

basso wrote:Jodi, does that mean you are back to level one? :wink:

Try as I might, I just can't figure out what you mean by "level one." If it refers to something insurance-related, please explain. If it refers to my health, I'm fine. If it refers to my mood, I'm also fine. If it refers to something sexual, that would explain why I didn't get it. :oops:

Jodi

P.S. I'm mad because I had a neuro appointment set for Friday (which is before the end of the year so it would be paid for by my insurance since I've met my insurance out-of-pocket maximum for the year), but now they've decided to take Friday off and want to reschedule me. :evil: :evil: :evil:
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Postby basso on December 28th, 2005, 12:25 am

I am sorry for the oblique reference; I meant level 1 in the hierarchy of needs. Level one in sexual terms is leering BTW. :lol:

cheers,
Basso

I am sorry too about your appointment being screwed up. That is a drag to be sure. :(
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Postby SuziQ on December 28th, 2005, 8:06 am

Jodi,
I'm curious and wondering why you are still seeing a neuro.

I often hear of folks on the board going for follow up visits. Is it because the neuro is treating you for your symptoms somehow and you need to see him/her to get refills on prescriptions and stuff? What sorts of things does he/she give you besides Klonopin, anti-depressants, anti-anxiety meds, sleeping pills and Neurontin? Do these things help?

Or, are you going because you've been told to follow up with emg's and such.

I fired my neuro a long time ago and discarded the many drugs he kept pushing on me because thankfully my symptoms just don't bother me enough to take anything for them. I realize that I am the exception, however. He kept wanting me to go every month for follow up, but I've had enough of that. What more can he do but tell me what I already know and charge me 25 dollars for it?

Anyway, it really stinks that they are trying to move your appt. I assume you have told them to change it to sooner- not later. Can they offer you a covering doctor at least? Where do you live? If you lived in Jersey, I could see if I could pull some strings for you, not that I have too many to pull, lol.
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Postby JodiD on December 28th, 2005, 11:08 am

SuziQ wrote:I'm curious and wondering why you are still seeing a neuro.

It's just a follow up. I'm not on any medications, and I don't really expect to be going back much in the future. Here are my reasons for going now:

1) I'm sure they miss me terribly - it's been 3 months since my last appointment :wink: (but they're also rescheduling me... :evil:)
2) Follow up from seeing a rhumatologist in Oct (rhum found elevated IgM proteins. My theory is that this has something to do with VGKC antibodies :idea:)
3) Follow up from seeing a neurosurgeon in Oct
4) Take another look at my MRIs (PA said he thought he remembered seeing spots on my brain :shock:)
5) I've never been pronounced with an official diagnosis yet, so maybe it's time for that.
6) Discuss the life insurance thing :roll:

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Postby JodiD on December 28th, 2005, 3:03 pm

Well, I spoke too soon. I called to reschedule my appointment, and they said they had a cancellation for today if I could get there in 45 minutes, so I took it. I've already been there and come back. Here is my report:

1- He says that I'm a "giraffe." (Apparently that means that I'm an unusual case. Either that or I have an extra long neck.) Anyone ever heard that term before?
2- He doesn't know what to make of my elevated IgM proteins and my elevated sed rate.
3- I told him about being rejected for life insurance, and I pointed out that he had written "Abnormal MRI" in my file. He looked at the MRI again and said he didn't see any spots, so he's going to make a note in my file indicating that my MRI is normal.
4- He saw that my pcp had prescribed celexa. I told him I hadn't filled the prescription. He said that it might be good, but that I'd need to take it for at least 4 weeks in order to determine its effectiveness. (I still don't think I'll take it.)
5- I talked to him about VGKC, and he was familiar with it but didn't want to do the antibody test because there's not a good one. I showed him the Hart article. He hadn't read it but says he now wants to.
6- He declared me as having "benign faciculations of unknown etiology" (along with iron deficiency anemia). Hopefully that will appease the life insurance people.
7- He ordered more blood tests, but nothing exciting - just iron levels.
8- He said I don't need to keep coming back unless my symptoms get worse. Then he said to come back in 6 months.

Jodi

P.S. This is my 100th post, which I believe makes me officially a "selfless giver of time." Wow, I'm so proud I feel tingly all over. (No, wait, that's just my leg buzzing.)
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Postby Christina on December 28th, 2005, 5:13 pm

Hi Jodi,

I think that is great news. I am so glad that you got in your car and raced over there.

Now you have a diagnosis, that is the best news ever. Glad that he is straightening out the incorrect notations in your file too. As*h*le. Now you can fight the ridiculous insurance company. I had to go through this once when my husband had a physical for life insurance, they declined him, they said that his blood work showed liver disease. We were worried sick. Made an appointment with the best specialist on Park Ave., in New York. They did a sono, and repeated all the blood work. They found nothing but NORMAL test results. We resubmitted them to the insurance comp., and they reversed their desicion. Meanwhile my husband was sure he was a goner. Not to mention all the premature grey hairs that I got.

Now we can fix the love life, and get moving on that. Where is it that you live? I just may have to come for a vacation and we can cruise some of the hot spots in town, unless my husband wants to come....then we will have to tone it down a little.

Great news! You made my day. And long necks are a very classic feature. Like AUdrey Hepurn !

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Postby SuziQ on December 28th, 2005, 5:21 pm

Yes, Jodi, that is awesome and I'm so glad you were able to get to see the chump today. Imagine!

Well according to my vast medical experience and extensive research, I've concluded that "Giraffe," in medical terms means you have Dengue fever. :shock:

http://www.antiquusmorbus.com/English/EnglishG.htm

I hope it isn't contagious via the internet.
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Postby Christina on December 28th, 2005, 5:54 pm

Suzi...I went to that web-site, and I have all the symptoms of it. Especially the pains in the flesh of the legs!!!! I think you can catch it via the internet and I caught it from Jodi.

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