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Money Matters

Started by jane, March 30, 2016, 11:37:08 am

Previous topic - Next topic

Carol

Update on my post about losing my doctor. I had been told everything was alright with my different medical insurance - it would be honored.  I went in for a blood test prior to my actual check-up.  A very determined young woman (new) told me that it would not be honored.  So, I asked Don what should I do - and he told me to go back to the desk and ask to speak to my primary care doctor as she did promise to keep me on.  I did.  4 days later, the phone rang with the news I could still see my favorite doctor.  Cannot tell you how relieved I was with that news.  Sometimes, the right thing happens. 

I wish everyone would do their research and have their problems solved. 


jane

Glad that worked out for you, Carol. 

We've never had to fight that insurance battle with a whole range of doctors and facilities, thank heavens. 

RAMMEL

My son has problems with the group (local) he is a member of.  No one seems to know which doctors are members.  Some are members when you start but down the road they say he is not a member of the group.  Other times he's told a doc is a member but when you file they say he's not a member doc.  Often things get corrected but it'd a big hassle to get results.  He's run into a situation where only selected doctors of a group practice are covered.  I think the object is to get you to give up.

The group I belong to, which is selected by my old employer, sends out glossy flyers and booklets. Also "offers" an "in home" interview with a licensed practitioner to help me determine if I'm getting correct services from my medical provider.  If I didn't trust my doctor I wouldn't be going to him.  I think the money spent on these "extra services" would be better spent on medical services.

:tickedoff:  :idiot2: --- kick my soapbox.
"What good fortune for governments that the people do not think."

             THIMK

angelface555

These type of programs are illegal in Alaska. You do not have to pick a particular doctor or have a primary doctor or specialist for every little problem. Also, there is no hard and fast 15-minute rule for office visits. Insurance companies try to get around this by offering special offers if you use one of their preferred doctors but that is up to you. It is not obligatory.

On the minus side, Alaskan doctors and dentists are the highest paid in the country. And if you are on Medicare or heaven forbid, some type of low income, (Drs. capp the number of Medicare patients they take as they only receive 71 cents on the dollar); you are out of luck. And will spend thousands at the emergency rooms that legally cannot turn you away. I believe low income has vouchers? Also, Alaskan Natives, Indians, Eskimo, and Aleuts get free medical care through a government program.

I have Medicare, Denali Care, and AARP and while I do not have the waiting time that seems to go with primary doctors and other insurance BS, I still have high prices.
Trumper, noun: One who sells things of questionable value in an aggressive or dishonest manner.<br />verb tr.: To sell something of questionable value aggressively or dishonesty.<br />verb intr.: To haggle.

angelface555

If you are having repeated insurances issues, you might want to see a lawyer if you have either Etna or Allstate. These two companies have been routinely and repeatedly fined and censured by the federal government. They are especially bad for older seniors.

https://www.publicintegrity.org/2014/05/05/14710/keeping-eye-insurance-companies-refuse-pay-claims

Trumper, noun: One who sells things of questionable value in an aggressive or dishonest manner.<br />verb tr.: To sell something of questionable value aggressively or dishonesty.<br />verb intr.: To haggle.

Carol

Tomorrow is my annual physical with my doctor. She will only continue the annual physical so I must find another doctor in my insurance plan.  The office she works with has opted to change to a plan that does not insure anyone stepping over the state line.  She is keeping a handful of patients only - so happy that I have known and chatted with her over the years. 

Health care is very expensive - there are more than a few hospitals in this country which have been subsidized for decades.  One hospital on the Texas border has never broken even - because poorest of the poor women walk over the border to have good care and they have never even seen medical care in Mexico.  That is only one example - someone has to keep the hospital going.  I certainly do not blame the poorest of the poor. 

Carol

Update:  I did have a free and final yearly exam with my favorite doctor.  She wants to meet for coffee -

After reading ratings of doctors on the new insurance plan, I found a nearby younger doctor who is tied into the University system (that is great news) and was told that there was one opening for one patient - me.  Such a load lifted.  She asked the right questions and I am impressed once again. Further, being in this system gives me a greater list of specialists. 




Carol

One DIL is a teacher and she buys school supplies for many of her children every year.  Our son and her just expect to do this yearly.  Several organizations and large churches buy new backpacks and fill them with the expected supplies. 

jane

August 14, 2018, 05:46:09 pm Last Edit: August 15, 2018, 04:19:15 pm by jane #98
Teachers have done this for years....I did it for 30+ yrs, worked days without pay, and had “vacationsl..i.e.  summer, Christmas. Thanksgiving, Easter, national holidays....all without pay.  People who don’t have teachers in their families don’t know and don’t believe it, but it’s true.  I’ve not not added the hours spent at home making lesson plans, and grading tests and homework, etc.

Jane, . Now getting off her soapbox.


RAMMEL

Quote from: jane on August 14, 2018, 05:46:09 pm
Teachers have done this for years....I did it for 30+ yrs, worked days without pay, and had “vacationsl..i.e.  summer, Christmas. Thanksgiving, Easter, national holidays....all without pay.  People who don’t have teachers in their families don’t know and don’t believe it, but it’s true.  Investors not added the hours spent at home making lesson plans, and grading tests and homework, etc.

Jane, . Now getting off her soapbox.
I think much of what you mention bears on where you are talking about. 
I had a teacher get up and walk out of a parent/teacher meeting because of the time. I took time off from work for the meeting (requested by the teacher).
I commend those that truly are there to teach.  But around bigger cities things are a bit different.

Off my soap box too  ???
"What good fortune for governments that the people do not think."

             THIMK

Carol

You are very fortunate if you have a few great teachers in your school experience.  I was reprimanded three times in a row for daydreaming and boy, did I ever shape up - Business Law 9th. grade.  My teacher knew I could do better than space out and he pushed me to answer the questions. 

Do you notice that COSTCO will deliver items free in two days - if tally is over $35.  You must be a member.  You need to sign for the delivery and order before noon for deliver in two days.  I have not signed on yet.  We do go to COSTCO about every two months and it is jammed with carts and people.  It could help people who must live somewhat close to a store. 


RAMMEL

August 20, 2018, 10:29:40 pm Last Edit: August 20, 2018, 10:31:45 pm by RAMMEL #101
Quote from: Carol on August 20, 2018, 03:38:57 pm
.........
Do you notice that COSTCO will deliver items free in two days - if tally is over $35.  You must be a member.  You need to sign for the delivery and order before noon for deliver in two days.  I have not signed on yet.  We do go to COSTCO about every two months and it is jammed with carts and people.  It could help people who must live somewhat close to a store.

I had a Costco membership but the local store is more of a zoo than I can appreciate.  I let it expire.  I have a Sam's membership but haven't used it lately. Other stores are now competing with Amazon with free shipping, and two day shipping.  Walmart has gotten on the bandwagon. Kohls, Target, Macy's - all getting in on it.  No membership required.
Surprisingly, Amazon is making shopping there a nightmare with their multiple "special" services. (Prime, Fresh, Pantry). The items you might want may now be in separate "programs", so you no longer place one order but must order from different "programs" - with separate memberships and shipping.
"What good fortune for governments that the people do not think."

             THIMK

Cottoncandy

Amazon always been my favorite shopping place......BUT...there was an fraud attempt on my account....so kinda scary now..even though changed password..of course...but Amazon did catch and prevent it...how does one create a strong password?

RAMMEL

August 21, 2018, 08:21:58 pm Last Edit: August 21, 2018, 08:25:13 pm by RAMMEL #103
Quote from: Cottoncandy on August 21, 2018, 08:04:32 pm
Amazon always been my favorite shopping place......BUT...there was an fraud attempt on my account....so kinda scary now..even though changed password..of course...but Amazon did catch and prevent it...how does one create a strong password?
Take a look at  -  https://passwordsgenerator.net/
There are other similar sites, and some software (like Norton AntiVirus & others) offer password creation.  They may be hard to remember but that's what makes them tough to crack. Write it down and keep in a safe place.
"What good fortune for governments that the people do not think."

             THIMK

Cottoncandy

Thank you for that information...going to try and have a more secure password and change it more often....CC

Carol

August 24, 2018, 11:28:14 am Last Edit: August 24, 2018, 11:49:39 am by Carol #105
I was just given an AMAZON gift card and have been trying to find something to buy online.  It is not going well with the search - women's items and they show men's shoes, all kinds of odd things. 

I do like Costco for their easy return policy.  It can be a madhouse - the parking lot is totally full too.  Still, I usually like their products and being miserly cheap - buy some products in bulk.  Of course, you must have the storage. 

Cotton Candy:  So frustrating to have to change the password. Someone said there should be numbers - at least they told me at my new medical insurance that numbers were required.   I have a sheet of different passwords and so irked by getting to that idea that "we" have to make the change. 

I do hope everyone is breathing fresh air.  Here, in Colorado, we have been experiencing one of the worst air pollution times.  It does look better this week.  My brother in  Washington is a volunteer fireman and they had to leave a hose and drive out fast.  These are dangerous times for fires.  Imagine the cost of fighting fires and all the extra costs that go with it.  Stay safe everyone.  /b]

RAMMEL

October 24, 2018, 10:11:32 pm Last Edit: October 24, 2018, 10:19:54 pm by RAMMEL #106
The Market today --

       :(    :'(    :(
"What good fortune for governments that the people do not think."

             THIMK