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Health Care Insurance question[s]
#11
My wife and I have Kaiser you can apply online, we are pretty happy with it, and check out rates online. Definitely cheaper than kaiser on the mainland. Ps., somewhere back in my memory I remember a guy named Ollie from that place and time, wow !

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#12
quote:
My wife and I have Kaiser you can apply online, we are pretty happy with it, and check out rates online. Definitely cheaper than kaiser on the mainland. Ps., somewhere back in my memory I remember a guy named Ollie from that place and time, wow !





so you were there too Green? Let's see if we knew the same Ollie. The guy I knew was rather small had a scruffy beard always had a sack of weed, and what appeared to be a bottle with many different types of LSD from the Bay Area with him at all times. Green, does that sound like the same Ollie?

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#13
quote:
Hi, Beachboy.

I'm currently covered under an employer's insurance but was curious what my partner and I would need if he changes jobs. Poking around a bit, this is what I found.

Here's a link to get a quote from Kaiser.
https://ehealthplan.kp.org/ApplyOnline/toFramePage.jsp

HMSA has more options so I'm guessing prices vary. However, I did find this for their "PPO Conversion Plan".
Monthly Member Dues
* Single $178.50
* Two-Party $357.00
* Family $535.50
http://www.hmsa.com/healthplans/ppo_conv...enroll.asp

There "Individual Care Plan" looks like its a hundred dollars or so less.
http://www.hmsa.com/healthplans/individu...enroll.asp

Is your current HMO the "Health Plan Hawaii"?
If so, they guarantee conversion to a non-group plan. You need to apply within 31 days and you get to pay a whopping $730/month for a family.
http://www.hmsa.com/healthplans/hph_conv...enroll.asp

Looks like the eligibility criteria varies.

Good luck.
Robin





wow Robin, you really went the extra mile...mucho mahalos

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#14
Robin,
Let me echo Beachboy's thank you for the information and web sites. I've kicked this subject around on other threads and have done a lot of searching for options. I hope there are others on PunaWeb who will benefit from your posting.

Mahalo nui,
Brian

Aloha pumehana,
Brian and Mary
Lynnwood, WA\Discovery Harbour
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#15
Beachboy, I believe I may have met him once or twice, I think he was more of a friend of my older brother who lived in the city, did he have a large flat in the Haight Ashbury ?

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#16
On Xmas Day, my wife back in Brazil was bitten quite badly by a stray cat she was feeding. All 4 teeth drew blood. Not the cat's fault really, he just got WAY too anxious for the feeding. We have great private insurance there in Brazil, but her doctor wanted her to be treated immediately. The closest hospital was a Government Hospital. So she went and was treated to: Anti-rabies shots (including a 2 hour IV in case of a sever allergic reaction), Tetanus shot, antibiotic shot, and sutures. Will be going back for more anti-rabies shots and checkups.

Now... the total cost to us? $0.00. Total wait in ER before being attended? Under 2 hours. Level of care and competency? Probably as good as you would get anywhere else.

So why is it that a poor 2nd world country like Brazil has figured out how to deliver universal health care like this while in the US I'll bet the ER bill would have been at least $3K? I gave up trying to explain or justify it to my friends in Brazil because I don't understand it myself and doubt that it will get any better in MY lifetime.

Here is an interesting read from:

http://www.crooksandliars.com/2006/12/26...more-13076

The fact is that the U.S. is the only industrialized democracy on the planet that doesn't provide its citizens with some kind of universal health care system, and they do so at less cost per capita than the byzantine U.S. system. Ezra writes,

Indeed, in 2002, we spent $5,267 per capita on healthcare — $1,821 more than Switzerland, the nearest runner-up. And yet we had higher infant mortality, lower life expectancy, more price inflation and an actual uninsured population, a phenomenon virtually unknown in the rest of the developed world, where universal healthcare is, well, universal.




Edited by - toucano on 12/26/2006 17:31:12
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#17
Clinton tried to institute universal health care... and the Republica Right, strongly lobbied by the insurance industry, shot it down as a "socialist/communist plot by liberal democrats". Go figure.

The ONLY healthcare is not universal in this country is that insurance companies would lose their entier multi-billion dollar profit base.

Personally, I find it sad.

Just another day in P A R A D I S E !!
I want to be the kind of woman that, when my feet
hit the floor each morning, the devil says

"Oh Crap, She's up!"
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#18
Think medical bill caused bankruptcy can't happen to good, average, employed, hardworking, and insured people like you? Read this:

http://www.consumeraffairs.com/news04/20...study.html

Medical Bills Leading Cause of Bankruptcy, Harvard Study Finds

February 3, 2005
Illness and medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according to a study published by the journal Health Affairs.

The study estimates that medical bankruptcies affect about 2 million Americans annually -- counting debtors and their dependents, including about 700,000 children.

Surprisingly, most of those bankrupted by illness had health insurance. More than three-quarters were insured at the start of the bankrupting illness. However, 38 percent had lost coverage at least temporarily by the time they filed for bankruptcy.

Most of the medical bankruptcy filers were middle class; 56 percent owned a home and the same number had attended college. In many cases, illness forced breadwinners to take time off from work -- losing income and job-based health insurance precisely when families needed it most.

Families in bankruptcy suffered many privations -- 30 percent had a utility cut off and 61 percent went without needed medical care.

The research, carried out jointly by researchers at Harvard Law School and Harvard Medical School, is the first in-depth study of medical causes of bankruptcy. With the cooperation of bankruptcy judges in five Federal districts (in California, Illinois, Pennsylvania, Tennessee and Texas) they administered questionnaires to bankruptcy filers and reviewed their court records.

Dr. David Himmelstein, the lead author of the study and an Associate Professor of Medicine at Harvard commented: "Unless you're Bill Gates you're just one serious illness away from bankruptcy. Most of the medically bankrupt were average Americans who happened to get sick."

Today's health insurance policies -- with high deductibles, co-pays, and many exclusions -- offer little protection during a serious illness. Uncovered medical bills averaged $13,460 for those with private insurance at the start of their illness. People with cancer had average medical debts of $35,878.

"The paradox is that the costliest health system in the world performs so poorly. We waste one-third of every health care dollar on insurance bureaucracy and profits while two million people go bankrupt annually and we leave 45 million uninsured" said Dr. Quentin Young, national coordinator of Physicians for a National Health Program.

"With national health insurance ('Medicare for All'), we could provide comprehensive, lifelong coverage to all Americans for the same amount we are spending now and end the cruelty of ruining families financially when they get sick."

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#19

Today I came accross this article. Had no idea about the Medicaid rules of the road. Just a heads up for those interested.


http://news.yahoo.com/s/csm/20061226/ts_csm/amedicaid_1

mella l
mella l
Art and Science
bytheSEA
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#20
quote:
Beachboy, I believe I may have met him once or twice, I think he was more of a friend of my older brother who lived in the city, did he have a large flat in the Haight Ashbury ?



boy that's question I can't answer! I'm trying to remember back to the 70's, which is hard enough because of my age, compound that with all the "funny kine" cigarettes I've smoked over the years....it's all a fog 'Greeny', sorry. I mean I'm amazed that I can remember Kobataki's apts., and the "Hole in the Wall" resturant that is right next to those apts.

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