레이블이 United Health Care Supplement인 게시물을 표시합니다. 모든 게시물 표시
레이블이 United Health Care Supplement인 게시물을 표시합니다. 모든 게시물 표시

2013년 12월 4일 수요일

About 'united health care supplemental insurance'|VIVA FRENCH HEALTH CARE







About 'united health care supplemental insurance'|VIVA FRENCH HEALTH CARE








               Ray               is               in               his               middle               fifties.

I               met               Ray               nearly               fifteen-years-ago.

I               was               managing               a               restaurant               and               he               worked               at               a               hardware               store               up               the               street.

I               had               an               account               there               and               purchased               tools               and               hardware               from               him.

Eventually,               we               became               good               friends.

We               both               belonged               to               the               local               Elk's               lodge.

We               played               golf               together.

We               still               see               each               other               from               time-to-time.

A               couple               of               week's               ago,               I               called               him               up.

It               had               been               at               least               three               years               since               I               had               talked               to               him.

We               met               for               coffee.



               Ray               was               raised               along               with               his               two               brothers               by               his               mom               who               worked               in               the               same               factory               for               forty-five               years.

His               father               left               when               he               was               three.

His               mom               never               remarried.

Most               of               the               time               he               stayed               with               his               grandparents               while               his               mom               worked.

Ray               was               the               youngest               in               the               family               and               rather               sickly               as               a               child.

Later               on               in               life               this               would               manifest               itself               when               he               came               down               with               severe               hypertension               and               diabetes.
               Despite               his               health               problems,               he               did               well               in               school               and               actually               got               a               partial               scholarship               to               college.

He               was               interested               in               medicine               and               wanted               to               be               a               doctor.

Maybe               that               was               because               he               had               been               so               exposed               to               it               when               he               was               a               child.

But               unfortunately,               he               had               to               put               his               plans               on               hold               and               get               a               job               when               he               was               eighteen.

He               moved               out               of               the               house               a               few               months               later.

His               job               was               working               in               a               retail               store               for               a               large               national               chain.
               Eventually,               he               worked               his               way               up               to               assistant               manager.

The               pay               was               alright,               but               really               not               enough               to               get               ahead.

Despite               the               long               hours               and               his               health,               he               sometimes               worked               a               second               job               on               his               days               off               to               make               ends               meet.

At               first               he               intended               to               go               back               to               school,               but               he               never               made               it.

He               just               didn't               have               the               time               or               money.
               After               about               thirty               years               in               the               retail               job,               he               found               that               he               could               no               longer               do               the               long               hours               standing               on               his               feet.

Besides               the               diabetes               had               started               to               take               its               toll.

He               had               neuropathy               in               his               feet               and               legs               and               vision               problems               that               required               extensive               laser               surgery.

He               went               blind               in               each               eye,               but               fortunately               he               eventually               regained               most               of               his               sight.

He               also               came               down               with               severe               end-stage               kidney               disease.

Despite               all               of               this,               he               still               managed               to               keep               his               job,               even               though               he               was               on               the               firing               block               a               lot               of               the               time.
               Finally,               he               had               to               give               up               when               he               was               in               his               early               fifties.

He               just               couldn't               do               it               anymore.

He               went               on               Social               Security               Disability,               but               he               wasn't               eligible               for               Medicare               for               two               more               years.

During               that               time               he               paid               $500/month               to               COBRA               to               keep               his               insurance               active.

During               those               years,               he               used               up               what               meager               savings               he               had               and               nearly               starved.
               When               he               finally               got               Medicare,               he               bought               a               top               tier               supplement               policy.

That               cost               him               two               hundred               a               month,               but               he               figured               it               was               worth               it               as               many               times               as               he               went               to               the               doctor.

Then               his               kidneys               failed               altogether               and               he               went               on               dialysis.
               He               was               on               dialysis               two               years               before               a               kidney               became               available               for               transplant.

During               that               time               he               switched               to               Medicaid               as               his               supplemental               insurance               because               it               was               free               and               he               was               struggling               to               make               the               United               Health               Care               payment               every               month.

The               only               way               that               he               could               get               Medicaid               was               to               have               a               spend               down.

The               spend               down               was               over               seven               hundred               dollars               a               month.

It's               complicated,               but               if               you               incur               medical               bills               over               the               spend               down               amount               at               the               first               part               of               the               month,               then               you               have               coverage               for               the               rest               of               the               month.

For               the               two               years               that               Ray               was               on               dialysis,               it               wasn't               a               problem               as               a               single               treatment               cost               that               munch.
               He               had               the               transplant               and               it               didn't               go               well.

There               were               a               lot               of               complications               and               he               was               in               and               out               of               the               hospital               a               lot.

That,               plus               the               expensive               cost               of               the               anti-rejection               drugs               met               the               spend               down               for               several               months               after               the               operation.

Then               he               messed               up.

He               started               to               get               better.

He               still               couldn't               go               back               to               work               because               of               the               other               complications               from               the               diabetes.

He               had               to               face               the               fact               that               he               would               be               disabled               for               the               rest               of               his               life.

But               he               still               managed               to               work               a               part-time               job               that               paid               about               two               hundred               dollars               a               month.
               Then               his               Medicaid               became               inactive.

He               wasn't               accumulating               enough               bills               to               cover               the               spend               down.

Suddenly               he               was               responsible               for               twenty               percent               of               his               medical               bills.

Even               though               he               was               healthier,               he               still               had               weekly               labs               and               other               expenses               that               came               to               a               lot               more               than               he               could               afford               to               pay               each               month.
               None               of               the               private               insurance               companies               would               take               him               back               even               during               open               enrollment.

He               lived               in               a               state               where               the               new               laws               against               being               turned               down               due               to               prior               conditions               didn't               apply.

His               state               opted               out.

He               tried               to               get               help               through               numerous               other               programs               like               "Ticket               to               Work"               but               he               made               too               much               money.

Between               his               job               and               Social               Security               he               made               about               $1600               a               month               and               the               cut               off               point               for               aid               was               $1279               for               a               single               person.

To               get               Medicaid               without               the               spend               down               you               have               to               make               around               $650               a               month.

Ray               has               no               family               left               to               help               him.

How               can               anyone               possibly               live               on               $600               a               month?

Even               on               $1600               a               month               Ray               has               trouble               making               ends               meet               sometimes.
               He               doesn't               qualify               for               food               stamps,               assistance               with               his               utilities               or               rent               because               again,               he               makes               too               much               money.

His               social               worker               suggested               for               him               to               ask               the               doctors               if               they               would               just               accept               the               Medicare               payment,               but               two               have               already               said               no               and               now               require               the               twenty               percent               upfront.
               He               needs               an               operation               to               help               the               vision               in               his               left               eye,               but               he               can't               afford               it.

He               worries               a               lot               about               becoming               an               "emergency               room               patient"               even               though               he               has               Medicare.

The               only               solution               is               to               reject               the               kidney               and               go               back               on               dialysis.

In               other               words,               get               sicker.

Then               everything               would               be               paid               for.

Ray               is               being               penalized               for               getting               better               and               there               is               no               way               out               in               sight.

He               makes               just               enough               money               to               not               get               the               help               he               needs,               but               he's               still               poor               and               struggling.

That's               a               tragedy               for               someone               who               has               worked               hard               his               entire               life               just               trying               to               get               by.






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