What is the BEst BEST INsurance?
- Thread starter Bananas
- Start date
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- May 4, 2004
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- 169
No insurance and pay as you go. Insurance like you want is probably very expensive.
KB
KB
Cruci
Vet
- Joined
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No deductible? Never heard of such a thing.
Right now I have Aetna, but I haven't been with them for too long to give them a real review. I did have United Health Care in the past, and I think they were the best I used.
Cigna blows goats. They tried to refuse me care I needed without telling me why. Well I did some research and contacted the Virginia state insurance board about them. Once they got into the matter all of a sudden Cigna said that "My surgury was denied due to a "clerical" error (funny how they had that error 2-3 times) and that I was approved.
STAY AWAY from Kaiser Permanente. They suck ass, but don't take my word for it, ask a friend of mine from High School. She is now a millionaire. Kaiser almost killed her because they would not give her an MRI for her repeated migraines over a long period of time. Well come to find out that she had a brain tumor that covered over a third of her brain, that could of been fixed a long time ago if Kaiser had done their job. Her life was destroyed. I watched her go through all of these problems before we new what her condition was. She will never be the same again, her brain is permanently fucked up. She showed me an article about it in Time Magazine many years ago about the lawsuit. This was no BS lawsuit. It was pure negligence on their part.
http://www.washingtonpost.com/wp-srv/politics/special/healthcare/stories/h031598.htm
Here is an article from the Washington Post about it.
Costs vs. Care
Some ethicists worry that doctors will fail the moral stress test by acquiescing to overzealous cost control efforts and withholding needed care.
That's what 17-year-old Paige N. Lancaster of Stafford, Va., and her mother, Barbara L. Lancaster, allege took place at the Kaiser Permanente HMO clinic in Woodbridge over a period of almost five years while Paige Lancaster complained of severe recurring headaches, nausea and a bloodshot eye.
Beginning in September 1991, doctors at the clinic saw Lancaster at least 10 times, according to records of a lawsuit the Lancasters filed. The doctors treated her with adult-strength painkillers and other medication. But doctors Corder C. Campbell and Lisa Pauls did not refer Lancaster to a neurologist and did not obtain such diagnostic tests as an MRI or EEG until May 1996, after a worried psychologist at Lancaster's high school wrote a letter urging that tests be performed, according to court filings.
Tests then revealed a tumor and cystic mass occupying 40 percent of Lancaster's brain cavity, according to court records. Lancaster has undergone two brain operations and is likely to require periodic follow-up surgery as a result of the delay in diagnosing her, said Michael J. Miller, an attorney for the Lancasters.
Kaiser would not discuss details of the case, and the two physicians would not comment. "We believe the medical care provided to Miss Lancaster was appropriate," Kaiser spokesman Wayne Rosenkrans said. "We strongly dispute plaintiffs' claims . . . that the care provided was driven by economic considerations," he added.
Paige Lancaster, who is in the 11th grade, and her mother, Barbara Lancaster, who drives a school bus and helps teach special-needs students, said their trust in doctors has been shattered. "In this environment, medical ethics is a contradiction in terms," Barbara Lancaster said.
Not to mention, that they could of killed me recently as well. I had had a LOT of problems with Cigna as previously mentioned, so I went to the other provider that my old company used, Kaiser Permanente. Well I complained of pains near my appendix, and had a lot of symptoms that looked like Appendicitis. They took an Cat Scan and said that "my appendix looked fine" but that I had an infection (they noticed this due to my blood work) and told me to go to the hospital and get some antibiotics. I was pissed that they didn't just prescribe them to me themselves at first, but I am glad they did. When I went to the local hospital, they looked at my Cat Scan and said that "I don't know how your other doctor missed this, but you have bad appendisitis, and you need surgery now!"
If Kaiser hadn't sent me to another doctor, it might of burst. That can kill you.
Right now I have Aetna, but I haven't been with them for too long to give them a real review. I did have United Health Care in the past, and I think they were the best I used.
Cigna blows goats. They tried to refuse me care I needed without telling me why. Well I did some research and contacted the Virginia state insurance board about them. Once they got into the matter all of a sudden Cigna said that "My surgury was denied due to a "clerical" error (funny how they had that error 2-3 times) and that I was approved.
STAY AWAY from Kaiser Permanente. They suck ass, but don't take my word for it, ask a friend of mine from High School. She is now a millionaire. Kaiser almost killed her because they would not give her an MRI for her repeated migraines over a long period of time. Well come to find out that she had a brain tumor that covered over a third of her brain, that could of been fixed a long time ago if Kaiser had done their job. Her life was destroyed. I watched her go through all of these problems before we new what her condition was. She will never be the same again, her brain is permanently fucked up. She showed me an article about it in Time Magazine many years ago about the lawsuit. This was no BS lawsuit. It was pure negligence on their part.
http://www.washingtonpost.com/wp-srv/politics/special/healthcare/stories/h031598.htm
Here is an article from the Washington Post about it.
Costs vs. Care
Some ethicists worry that doctors will fail the moral stress test by acquiescing to overzealous cost control efforts and withholding needed care.
That's what 17-year-old Paige N. Lancaster of Stafford, Va., and her mother, Barbara L. Lancaster, allege took place at the Kaiser Permanente HMO clinic in Woodbridge over a period of almost five years while Paige Lancaster complained of severe recurring headaches, nausea and a bloodshot eye.
Beginning in September 1991, doctors at the clinic saw Lancaster at least 10 times, according to records of a lawsuit the Lancasters filed. The doctors treated her with adult-strength painkillers and other medication. But doctors Corder C. Campbell and Lisa Pauls did not refer Lancaster to a neurologist and did not obtain such diagnostic tests as an MRI or EEG until May 1996, after a worried psychologist at Lancaster's high school wrote a letter urging that tests be performed, according to court filings.
Tests then revealed a tumor and cystic mass occupying 40 percent of Lancaster's brain cavity, according to court records. Lancaster has undergone two brain operations and is likely to require periodic follow-up surgery as a result of the delay in diagnosing her, said Michael J. Miller, an attorney for the Lancasters.
Kaiser would not discuss details of the case, and the two physicians would not comment. "We believe the medical care provided to Miss Lancaster was appropriate," Kaiser spokesman Wayne Rosenkrans said. "We strongly dispute plaintiffs' claims . . . that the care provided was driven by economic considerations," he added.
Paige Lancaster, who is in the 11th grade, and her mother, Barbara Lancaster, who drives a school bus and helps teach special-needs students, said their trust in doctors has been shattered. "In this environment, medical ethics is a contradiction in terms," Barbara Lancaster said.
Not to mention, that they could of killed me recently as well. I had had a LOT of problems with Cigna as previously mentioned, so I went to the other provider that my old company used, Kaiser Permanente. Well I complained of pains near my appendix, and had a lot of symptoms that looked like Appendicitis. They took an Cat Scan and said that "my appendix looked fine" but that I had an infection (they noticed this due to my blood work) and told me to go to the hospital and get some antibiotics. I was pissed that they didn't just prescribe them to me themselves at first, but I am glad they did. When I went to the local hospital, they looked at my Cat Scan and said that "I don't know how your other doctor missed this, but you have bad appendisitis, and you need surgery now!"
If Kaiser hadn't sent me to another doctor, it might of burst. That can kill you.
C
CO-B16
Guest
Well i got Kaiser.....Better than nothing i guess.....
Cruci
Vet
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Better than nothing, absolutely. I was just suggesting that if he has another choice in the matter I would avoid them.
how expensive. I am willing to shell out about 200 a month. I dont have a family or nething you know)
So so far looks like Aetna, or maybe BC/BS . I just saw the movie "sicko" last night. ANd it literally made me sick.Had tears in my eyes. There was a similar story like your friends cruci. ASian woman that had a tumor in her brain. If its going to be like that where they deny me every mri, every CT I might as well not get nething
- Joined
- May 4, 2004
- Messages
- 169
We just renewed our company group plan with Aetna. For a single person the premium is $853 per month. That is a PPO (you don't have to go to a primary care Dr. first) with $0 deductible if you're in network, $10 co-pay for doctor visits, and $10 co-pay for generic presecriptions ($30 for brand name). We have less than 25 employees so it is crazy expensive!
KB
KB
- Joined
- May 4, 2004
- Messages
- 169
Yup. $2,185/month for a family. We (the company) pay 75% of the employee portion and 25% of the dependent portion.
H
HugelyGifted
Guest
they all seem to have that quality
C
CO-B16
Guest
Im assuming this is what the company pays, not the employee.....No one would have insurance if it was $853 a month.....Mine is too high at 155 a month if you ask me...
- Joined
- May 4, 2004
- Messages
- 169
J
-JP-
Guest
First and foremost is where you live? Second prexisting conditions? Third deductibiles? Depending upon that diticates what insurance you can and should have... Once you can answer those questions shop around on the websites as long as you have no prexisting condition most of the estimate prices are pretty close to what you will pay... one problem bodybuilders have is being considered an unhealthy weight for any given height you might want to put down your lightest weight of the year HA
Otherwise I have Aetna which I am very happy with... I have seen decent personal plans run between $88-$130 the higher dollar amount equaling less deductibile(but a deducitible should only matter if your going to a doctor frequently) Emergency deductibiles are something to look at because they can really screw you over if they are to high
Otherwise I have Aetna which I am very happy with... I have seen decent personal plans run between $88-$130 the higher dollar amount equaling less deductibile(but a deducitible should only matter if your going to a doctor frequently) Emergency deductibiles are something to look at because they can really screw you over if they are to high
C
CO-B16
Guest
Yeah, thats what i figured......That makes sense....
