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Reply #30 posted 12/04/06 8:25am

purplerein

applekisses said:

IrresistibleB1tch said:



boy, i sure hope Botox is not covered by insurance... disbelief


It's not...even though it's been proven to relieve migraine symptoms in many people as well as treat spasticity symptoms in children and adults.

http://www.migraines.org/...obotox.htm

http://www.medicalnewstod...wsid=32812

http://www.canchild.ca/De...?tabid=135


I would like to try it for my migraines.


some doctors will violate their own ethics, and prescribe it for "migraines" whilst injecting lips and brows.
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Reply #31 posted 12/04/06 8:27am

applekisses

purplerein said:

applekisses said:



It's not...even though it's been proven to relieve migraine symptoms in many people as well as treat spasticity symptoms in children and adults.

http://www.migraines.org/...obotox.htm

http://www.medicalnewstod...wsid=32812

http://www.canchild.ca/De...?tabid=135


I would like to try it for my migraines.


some doctors will violate their own ethics, and prescribe it for "migraines" whilst injecting lips and brows.


I know...and those docs ruin it for those who would benefit from it in a non-cosmetic way. sigh I missed last Christmas with my family because I was stuck in a dark room for two days with a migraine. It would have been wonderful to try a new treatment that could possibly work for a few months at a time.
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Reply #32 posted 12/04/06 8:28am

IrresistibleB1
tch

applekisses said:

IrresistibleB1tch said:



boy, i sure hope Botox is not covered by insurance... disbelief


It's not...even though it's been proven to relieve migraine symptoms in many people as well as treat spasticity symptoms in children and adults.

http://www.migraines.org/...obotox.htm

http://www.medicalnewstod...wsid=32812

http://www.canchild.ca/De...?tabid=135


I would like to try it for my migraines.


it's not covered for those problems? eek

i had horrible migraines for a while several years ago. Imitrex injections helped, but ultimately, i had to make some lifestyle changes. quit my job, and haven't had a migraine since... lol

feel better soon! hug
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Reply #33 posted 12/04/06 8:32am

applekisses

IrresistibleB1tch said:

applekisses said:



It's not...even though it's been proven to relieve migraine symptoms in many people as well as treat spasticity symptoms in children and adults.

http://www.migraines.org/...obotox.htm

http://www.medicalnewstod...wsid=32812

http://www.canchild.ca/De...?tabid=135


I would like to try it for my migraines.


it's not covered for those problems? eek

i had horrible migraines for a while several years ago. Imitrex injections helped, but ultimately, i had to make some lifestyle changes. quit my job, and haven't had a migraine since... lol

feel better soon! hug



One limitation for botulinum toxin's (Botox®) use in treating Migraines is cost. Unlike other treatments for Migraines, such as the prescription drug Imitrex® and nasal sprays (and other triptans or ergotomine drugs), Botox® injections are not covered by insurance and cost about $350 for each targeted area, (and will likely be used in multiple areas) so it appears expensive. But the cost has to be looked at divided by the 4 to 6 months that this preventive works between doses as compared to other preventive drug costs. In addition, it is important to note that prescription drugs like Imitrex® and nasal sprays are abortive treatments and not designed to replace nor use like Botox®, which is to be used as a preventative or prophylactic Migraine treatment.


I wish I could quit my job lol
My three biggest triggers are my periods, my allergies and strong smells.
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Reply #34 posted 12/04/06 8:36am

JustErin

avatar

CalhounSq said:

luv4all7 said:

Isn't insuranc free in Canada, or something like that?


I've heard that Canadian citizens are automatically insured, lucky bastids pout


Yes, but we are taxed to death, our wait times are totally out of control and our health care workers are understaffed and overworked which in the end hurts us all.

Plus our healthcare system does not cover everything, such as perscription drugs (which for a very ill person can be hundreds a month).

Everything has it's pros and cons, that's for sure.
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Reply #35 posted 12/04/06 8:42am

UCantHavaDaMan
go

avatar

JustErin said:

CalhounSq said:



I've heard that Canadian citizens are automatically insured, lucky bastids pout


Yes, but we are taxed to death, our wait times are totally out of control and our health care workers are understaffed and overworked which in the end hurts us all.

Plus our healthcare system does not cover everything, such as perscription drugs (which for a very ill person can be hundreds a month).

Everything has it's pros and cons, that's for sure.


Wow, I didn't know about that. Thanks for sharing.
Wanna hear me sing? biggrin www.ChampagneHoneybee.com
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Reply #36 posted 12/04/06 10:10am

SupaFunkyOrgan
grinderSexy

avatar

luv4all7 said:

I wish I could help.

I haven't had ins for over a year myself and now my kids both got dropped also. sad

My husband has COBRA at work and its gonna cost 600 bucks a month to insure both kids, and thats not including dental.

How much are the ins's your looking at?


One of my friends continued her insurance coverage on Cobra and over a period of 4 years it went from 200 a month to a little over 800 and that is for ONE PERSON!. She didn't have any major medical emergencies or expenses either. She finally had to drop coverage because she couldn't afford it anymore confused
2010: Healing the Wounds of the Past.... http://prince.org/msg/8/325740
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Reply #37 posted 12/04/06 10:13am

luv4all7

SupaFunkyOrgangrinderSexy said:

luv4all7 said:

I wish I could help.

I haven't had ins for over a year myself and now my kids both got dropped also. sad

My husband has COBRA at work and its gonna cost 600 bucks a month to insure both kids, and thats not including dental.

How much are the ins's your looking at?


One of my friends continued her insurance coverage on Cobra and over a period of 4 years it went from 200 a month to a little over 800 and that is for ONE PERSON!. She didn't have any major medical emergencies or expenses either. She finally had to drop coverage because she couldn't afford it anymore confused


nod Its sad. Makes ya wanna go out and vote, huh? biggrin
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Reply #38 posted 12/04/06 10:23am

ladygirl99

IrresistibleB1tch said:

[b]Blue Cross/Blue Shield seems to have some good individual rates. also, if you are part of certain industries, you might be able to get insurance through their state or national organizations.

HMO vs. PPO - i'm not sure what the better deal is in the long run. i suppose a PPO gives you more flexibility if you want to go to particular doctors, even if they are not on the PPO list.

if you're in fairly good health, it might be worth going with a higher deductible/lower premium plan. hospitals are often willing to work with you if you do encounter an unusually high expense. [/b]

I am also going to look into this. I am self employed and I currently dont have any health insurance and I was looking around for some with reason options and price.
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Reply #39 posted 12/04/06 10:25am

SupaFunkyOrgan
grinderSexy

avatar

luv4all7 said:

SupaFunkyOrgangrinderSexy said:



One of my friends continued her insurance coverage on Cobra and over a period of 4 years it went from 200 a month to a little over 800 and that is for ONE PERSON!. She didn't have any major medical emergencies or expenses either. She finally had to drop coverage because she couldn't afford it anymore confused


nod Its sad. Makes ya wanna go out and vote, huh? biggrin

If anything should it's this! Vote Hilary in 08 and we can take the money we're wasting on war and corporate welfare and have healthcare for everyone in the country! woot!
2010: Healing the Wounds of the Past.... http://prince.org/msg/8/325740
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Reply #40 posted 12/04/06 10:26am

luv4all7

SupaFunkyOrgangrinderSexy said:

luv4all7 said:



nod Its sad. Makes ya wanna go out and vote, huh? biggrin

If anything should it's this! Vote Hilary in 08 and we can take the money we're wasting on war and corporate welfare and have healthcare for everyone in the country! woot!



Okay. I saw on E! that George Clooney may run. Is that true?????
[Edited 12/4/06 10:27am]
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Reply #41 posted 12/04/06 10:41am

HereToRockYour
World

avatar

Why would a deductable keep you from getting into trouble if you were hospitalized? confuse

A deductable is just the out-of-pocket part that you have to pay before the insurance kicks in. Most plans have some kind of deductable. The higher it is, the cheaper the insurance usually is. If this doesn't make sense, ask and I'll say more.


I can't afford to pay for health insurance. I HATE not having insurance. I've been having these werid little blackouts/dizzy spells. I should probably see a doctor. One of my knees is fucked up and getting worse. I should probably see a doctor. But I don't want to go in and end up with a serious preexisting condition on my charts without having insurance. . .BAH! mad
oh noes, prince is gonna soo me!!1!
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Reply #42 posted 12/04/06 2:19pm

CalhounSq

avatar

Thanks all for the comments & info! biggrin
heart prince I never met you, but I LOVE you & I will forever!! Thank you for being YOU - my little Princey, the best to EVER do it prince heart
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Reply #43 posted 12/04/06 2:21pm

CalhounSq

avatar

HereToRockYourWorld said:

Why would a deductable keep you from getting into trouble if you were hospitalized? confuse

A deductable is just the out-of-pocket part that you have to pay before the insurance kicks in. Most plans have some kind of deductable. The higher it is, the cheaper the insurance usually is. If this doesn't make sense, ask and I'll say more.


I get that smile But it seems to me like many plans w/ a zero deductable have no ceiling for what the patient pays should they be hospitalized. For instance, one plan w/ a $1500 deductable says I pay NOTHING once my deductable is reached. But the other plans I've seen just say you pay 20% of the hospitalization fee or so many hundreds of dollars a day plus a percentage, which could be astronomical should something happen. At least w/ the deductable you know there's a ceiling to what you'll pay if something serious happens...

... if I'm even understanding it right lol

hmmm
heart prince I never met you, but I LOVE you & I will forever!! Thank you for being YOU - my little Princey, the best to EVER do it prince heart
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Reply #44 posted 12/04/06 2:22pm

CalhounSq

avatar

gemini13 said:

I pay for an individual PPO for my daughter and myself. I'm going to add my husband today. It's a HealthNet program with no deductible, and I pay $136 for me and $100 for my daughter. So far, I've been pleased, but this particular program doesn't include maternity, so I'm probably going to have to change it.


Any particular reason you chose a PPO or was it just what looked the best @ the time?
heart prince I never met you, but I LOVE you & I will forever!! Thank you for being YOU - my little Princey, the best to EVER do it prince heart
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Reply #45 posted 12/04/06 2:49pm

HereToRockYour
World

avatar

CalhounSq said:

HereToRockYourWorld said:

Why would a deductable keep you from getting into trouble if you were hospitalized? confuse

A deductable is just the out-of-pocket part that you have to pay before the insurance kicks in. Most plans have some kind of deductable. The higher it is, the cheaper the insurance usually is. If this doesn't make sense, ask and I'll say more.


I get that smile But it seems to me like many plans w/ a zero deductable have no ceiling for what the patient pays should they be hospitalized. For instance, one plan w/ a $1500 deductable says I pay NOTHING once my deductable is reached. But the other plans I've seen just say you pay 20% of the hospitalization fee or so many hundreds of dollars a day plus a percentage, which could be astronomical should something happen. At least w/ the deductable you know there's a ceiling to what you'll pay if something serious happens...

... if I'm even understanding it right lol

hmmm


Ah, I see. Yeah, the copays can be steep with some plans, but most of them actually do have reasonable out-of-pocket maximums (which is different, obviously, than the deductible). Generally a few thousand bucks, I think. So if you were hospitalized, you would end up with a substantial bill, but not anything that would bankrupt you.
oh noes, prince is gonna soo me!!1!
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Reply #46 posted 12/04/06 6:04pm

gemini13

CalhounSq said:

gemini13 said:

I pay for an individual PPO for my daughter and myself. I'm going to add my husband today. It's a HealthNet program with no deductible, and I pay $136 for me and $100 for my daughter. So far, I've been pleased, but this particular program doesn't include maternity, so I'm probably going to have to change it.


Any particular reason you chose a PPO or was it just what looked the best @ the time?



More flexibility, I guess.

I just chose it because it was semi-cheap. lol
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Forums > General Discussion > who PAYS for their own HEALTH INSURANCE??