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Offlinesprinkles
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pre-existing medical condition??
    #22003190 - 07/27/15 07:28 AM (8 years, 6 months ago)

so i have an apt with a hand surgeon tomorrow but I'm looking for temporary insurance to cover it.  I know i'm gonna need surgery at the cost of 7-10k. Obviously I dont have that kind of money sitting around.  I was looking at a policy but I don't qualify because I've been treated for alcoholism and substance abuse.

A lot of insurance companies wont take you if you have a pre-existing condition, I havent been seen by a doctor yet but after tomorrow it will be documented and probably an automatic no from that point forward I'm guessing.


Does anybody know where I can get insurance, and if this would be considered a "pre-existing" condition? 


This is seriously stressing me the fuck out.  I will go into debt to repair this fucker if I have to, but I am finally starting to get my head above ground.  I know God doesnt want people to get bored but come on.  Gimme a fucking break dude, damn.


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,372
Re: pre-existing medical condition?? [Re: sprinkles]
    #22003220 - 07/27/15 07:37 AM (8 years, 6 months ago)

Unlikely.  I don't know of any insurance plans that you can sign up for only when you need them.  That totally defeats the purpose of insurance.


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...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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Offlinetwelvelookslikeu
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22003227 - 07/27/15 07:39 AM (8 years, 6 months ago)

How's your credit


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Offlinesprinkles
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Re: pre-existing medical condition?? [Re: twelvelookslikeu]
    #22003259 - 07/27/15 07:46 AM (8 years, 6 months ago)

i dont have credit card debt or anything.  but I owe the court thousands, and I have a dentist bill.


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Offlinesprinkles
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22003268 - 07/27/15 07:50 AM (8 years, 6 months ago)

my medical insurance kicks in sept 10th.  But I will have a very high deductable to meet before they pay for anything other than routine or preventative care.  I also get bumped to salary so hopefully I'll have a little more wiggle room then, but I have mass tickets and a DUI (they gave me the maximum fine possible) to pay.


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Offlinetwelvelookslikeu
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22003290 - 07/27/15 08:01 AM (8 years, 6 months ago)

Try care credit its basically a credit card. Sometimes the hospital will work with you if they know you dont have insurance. My dad had a stent put in his heart and they cut the bill in half because he didnt have insurance.


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OfflineCHeifM4sterDiezL
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22003292 - 07/27/15 08:01 AM (8 years, 6 months ago)

hope ur finger feels better sprinkle


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Offlinezappaisgod
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Re: pre-existing medical condition?? [Re: CHeifM4sterDiezL]
    #22003486 - 07/27/15 09:04 AM (8 years, 6 months ago)

Just fucking make a payment plan and get it done.  It isn't hundreds of thousands and you need to get it done neow.

I don't think they can deny coverage because of your past junkiedom


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Invisibledeucedbi9
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Registered: 10/24/06
Posts: 4,594
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Re: pre-existing medical condition?? [Re: badchad]
    #22003741 - 07/27/15 10:15 AM (8 years, 6 months ago)

Quote:

badchad said:
Unlikely.  I don't know of any insurance plans that you can sign up for only when you need them.  That totally defeats the purpose of insurance.




Yeah. What do you expect. Treatment without paying into the totally superfluous scum sucking piece of shit insurance industry? What Are you. Some kind of fucking communist!!!

Sorry but you were born an American. :nonono:


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whether low pressure sucks or high pressure blows...
it's a bugger to cycle in.

even though I'm feeling good
Something tells me I'd better activate my prayer capsule


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Offlinesprinkles
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Re: pre-existing medical condition?? [Re: deucedbi9]
    #22004498 - 07/27/15 01:21 PM (8 years, 6 months ago)

I never go to the doctor.  shut the fuck up.  I have two broken bones in this hand already, and I refused to go for each of them.  In fact, I ALWAYS refuse medical treatment.  And I pay fucking taxes and into health insurance for years.  You can go eat a pile of shit.


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InvisibleAdden
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Registered: 06/04/03
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22004507 - 07/27/15 01:22 PM (8 years, 6 months ago)

Just wait until you get insurance and wait a little then go to the hospital if you're going to commit insurance fraud.


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InvisibleMr.GuessWork
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Re: pre-existing medical condition?? [Re: Adden]
    #22004523 - 07/27/15 01:30 PM (8 years, 6 months ago)

Did you try obama care?


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Offlinesprinkles
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Re: pre-existing medical condition?? [Re: Adden]
    #22004690 - 07/27/15 02:07 PM (8 years, 6 months ago)

Quote:

Dys said:
Just wait until you get insurance and wait a little then go to the hospital if you're going to commit insurance fraud.





help me out, you make big bucks right?  You've got money.

"Patients usually have good results when suture repair is done within four weeks after the injury. After surgery, pain and stiffness are usually minimal, and thumb strength will normally return.

The joint feels painful when pinching or grasping and is generally weak. Most of the time, chronic instability tends to happen when the patient doesn't get treatment"

tomorrow will be one month after the injury.  basically I have a three week window or im fucked.  I cant afford to wait any longer.


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welcome to my world http://www.shroomery.org/forums/postlist.php/Board/326


Edited by sprinkles (07/27/15 02:09 PM)


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OfflineTNK
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Re: pre-existing medical condition?? [Re: sprinkles] * 1
    #22004705 - 07/27/15 02:10 PM (8 years, 6 months ago)

Put a carrot in your ass and start a GoFundMe for medical bills. :shrug:

Hospitals cannot deny you care for lack of insurance, I'm pretty sure they cannot FORCE you legally to pay either.


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Edited by TNK (02/22/22 22:22 PM)


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OfflineAmishmedic8
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22004756 - 07/27/15 02:17 PM (8 years, 6 months ago)

Perfect example of why in this capitalist society everyone NEEDS to have helath insurance. Because no matter who you are or how healthy youve been. Eventually youll need health care. Hope you can find coverage and dont go temporary what if you have complications a year later. Once you find someone that will carry you stay. I suggest one of the new state based plans. The affordable health care act should stop insurance companies from excluding you for a pre exsisting condition. I hope it all goes well.


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Well at least thats what my granmother would say, Medicine from the hinterland :thor:

Your vision will become clear only when you look into your heart ... Who looks outside, dreams. Who looks inside, awakens. - Carl Jung


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Offlinesprinkles
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Re: pre-existing medical condition?? [Re: TNK]
    #22004758 - 07/27/15 02:17 PM (8 years, 6 months ago)

I will pay, and Im not looking for handouts or to scam anybody.  I just can not afford to pay 10 grand right now.  I need a skilled hand surgeon because I work with my hands.  Its very important it be done right.  I dont want to have to get it fused later, I wont be able to earn a living and i dont want to live in chronic pain.


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Offlinezappaisgod
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Re: pre-existing medical condition?? [Re: sprinkles] * 1
    #22004779 - 07/27/15 02:20 PM (8 years, 6 months ago)

What part of "make a payment plan" did you not understand?  They do that all the time


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Offlinesprinkles
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22004803 - 07/27/15 02:22 PM (8 years, 6 months ago)

im going to Washington Hand Surgeons (aka prohand) in kirkland tomorrow at like 8am.  I'm afraid they're going to give me a shot and do stress testing...and what they are going to say needs done Im not gonna wanna hear.  i hope i dont cry. omg i better bring xanex.


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Offlinesprinkles
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Re: pre-existing medical condition?? [Re: zappaisgod]
    #22004808 - 07/27/15 02:23 PM (8 years, 6 months ago)

I get 20% off if I pay up front, and they dont do payment plans.  Cash at time of service.  they would take half and then do a payment plan, but if im going to do that i may as well pay it all and get a discount.


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Invisibledeucedbi9
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Re: pre-existing medical condition?? [Re: sprinkles]
    #22004920 - 07/27/15 02:43 PM (8 years, 6 months ago)

Quote:

sprinkles said:
I never go to the doctor.  shut the fuck up.  I have two broken bones in this hand already, and I refused to go for each of them.  In fact, I ALWAYS refuse medical treatment.  And I pay fucking taxes and into health insurance for years.  You can go eat a pile of shit.




I'm sure I could, but not as large a pile as you are being forced to eat due to your being born in America.
Sucks to be an 'first world' American citizen sometimes dont it. :shrug:


--------------------
whether low pressure sucks or high pressure blows...
it's a bugger to cycle in.

even though I'm feeling good
Something tells me I'd better activate my prayer capsule


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