Why don't they try to settle out sooner to get these off the books?

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PostPosted: Sun Jan 06, 2008 11:02 am   Post subject:   

The health care (ins) in this country is a mess...we all know that....politicians all claim differing ideas of perfection....



I glad erb that you found a way to get your hospital stay handled...our daughter was caught owing a hospital (she had ins) about 2k, well she paid and paid on it, then lost her job....she owed about 800 still...so then i was paying on it (she was pregnant too...by now what a mess)...anyway it occured to me....so i called them and ask to cash it out...you know 'i'll pay you half of the total to wipe this debt out'' which generally they will jump on it cause it wasn't affecting me...and the girl didn't have a pot, or a window to throw it out of...by this time it had made it to the collection agency (different topic, but that pissed me off...that she didnt' tell her dad and i before it got there)...anyway the collection agency said no...so i called the hospital explained everything...and they wiped the debt out! damn wish i'd have done that before i'd paid a few months on it!



So there are some that do help out...such as your situation erb...re: the mammograms...there are many free programs......plllllleaaaaaaaaaaaaaaasssssssssse! take advantage of this.....



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PostPosted: Sun Jan 06, 2008 1:53 pm   Post subject:   

My daughter got me the mamogram information, so I will go get that taken care of. thanks Lori



I know how you feel, I guess I was lucky to have my oldest daughter with me who did all the admissions paperwork at the registration desk, she asked all the right questions. We had to apply for public assistance first and get turned down, I was mad because I knew they would say no, but when she explained that the I care comes from donations made, I understood that trying to get it paid by the state would free up some money for someone else in my situation, it made the paperwork more bearable, I just get so frustrated with the system. Some people abuse the crap out of it and get everything.



Did you read in my other post about my furnace, I about fell on the floor when I got this news.

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PostPosted: Sun Jan 06, 2008 7:56 pm   Post subject:   

You should not mess around when it comes to your health, if you have the opportunity to get the mamogram, get it done. The majority of them come back clean and at least you would have that peace of mind.



You mentioned that you will be eligible for a health care plan in a few months, what type of healthcare is it, make sure that it is not a fraudulant company, make sure it is creditable.

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PostPosted: Sun Jan 06, 2008 8:28 pm   Post subject:   

I know that feeling. I have not had a pap smear in 5 yrs and never had a mamogram.Wish I could find a program like you did in my area. There used to be things like that here but no more. There isn't even a obgyn in our town.I also pay for any health expenses myself. Right now i am paying monthly for some stitches I had put in at the ER a few months ago.

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PostPosted: Wed Jan 09, 2008 11:49 pm   Post subject:   

Where are you from hummingbird, there is probably something funded there for a free mammogram, the http://www.nationalbreastcancer.org/about-nbcf/our-mission has raised a lot of money to make sure that every women get a mammogram.



I hate to go for them, every time, I have to go back for a second reading, they always see a cyst and have to reexamine and they say it is fine everytime.



I just had a friend die after four years of a hard struggle, it was so sad to see her decline, she was a beautiful woman and the cancer was systematic, it moved from here breast to her lungs, from her lungs to her liver, from her liver to her brain and from her brain to a mass tumor around her aorta, it was a sad case. Hated to see her go through this, she would have given anything for one more healthy day.



So, go get this done and monitor your health if not for yourself, do it for your kids, if you need help finding a place, let me know where you are from and I will run a google search and try to help you find one.

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PostPosted: Thu Jan 10, 2008 1:20 am   Post subject:   

These long term comp cases leave me just astounded, how can these companies afford to have these claims open for 15 to 20 years? Why don't they try to settle out sooner to get these off the books? Does the employers mind having these guys collecting for these long periods, would they not push for settlements sooner? I have been seeing quite a few of these but don't want to approach the attorneys to ask them about these cases. They just rent space for hearing use and it is none of my business, they just get so loud sometimes that you can't help overhearing the conversations. Just curious about this, any compensation specialists on the forum, please answer?

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PostPosted: Thu Jan 10, 2008 11:49 am   Post subject:   

Quote:
Where are you from hummingbird
I'm pretty sure I remember from prior posts she's from KY...



Quote:
would they not push for settlements sooner?
Well, it would kind of be like you as an insured wanting the other party (that you hit) that you owe a BI settlement to to push for settlement...you can want it all you want, but the adjuster is the one that has the power...or decision atleast when it is time to try and settle it....and believe me adjusters 'want' to settle claims, just can't some times....injuries in particular....and work comp, another animal of it's own!



Quote:
how can these companies afford to have these claims open for 15 to 20 years?
It's actually their work comp insurance carrier that is paying the bills, just like your auto policy...granted though their rates will go up and you think that auto home and health coverage are high! you ought to see what some of these companies pay in workers comp insurance! yow-zer!


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PostPosted: Sat Jan 12, 2008 4:43 am   Post subject:   

I guess then there is no incentive for the employer to try and get the person back to work or off comp right, do the companies rates go up the longer a person is on comp? Do thier rates go up if they have a lot of people going on comp? Surely this has to affect the companies some how?

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PostPosted: Sat Jan 12, 2008 11:25 am   Post subject:   

I think work comp policys work similarly to all policys (except life of course) high claims volumn will drive up premiums...I know (or think) this because I've been hurt on the job before (when I worked for a body shop, as opposed to now working 'in' many shops but for insurance company) anyway freakin' a/m hood laid my finger open...and owners wanted to pay doc to stitch up themselves rather than turn in the claim, which was fine and dandy with me!



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PostPosted: Sun Jan 13, 2008 12:53 am   Post subject:   

I once worked in a factory, I used air tools alot and ended up having carpal tunnel surgery on both of my wrists, I could not do that type of work today because it would make it come back, at least that is what the doctors advised. I was on compensation for about a year, lots of down time, absolutely hated it, hated it, hated it. Today I work in a personal care home which is a lot easier on my joints. I could not stand to be on comp that long, drove me nuts sitting around like that.

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PostPosted: Sun Jan 13, 2008 1:10 pm   Post subject:   

erb, carpal tunnel can be so aggrevating and painful, our clerk got it at work from doing so much word processing. Your wrists are like your back, you use them in almost every situation. She has not had surgery yet but probably will end up having it done, she has been saving up her time, so maybe she knows something that she is not sharing with us, LOL.



I am glad that you are away from the air tools, the constant vibration must have been so irritating to your condition. Glad to hear that you are back to work in a different field all together. Some people just stop dead in their tracks and never work again when they are told they can not do their current occupation, good for you that you have moved on.

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PostPosted: Sun Jan 13, 2008 4:32 pm   Post subject:   

Yes, Goodnaturted ,I am from Ky. The last remaining obgyn left after 1 month . I think it has something to do with our hospital. If we need one now we have to travel at good 30 miles or more one way. If you can come up with something local for a free momogram ,I would be happy to take it. The last obgyn I had told me the hospital where they do them in my town may be willing to work out a payment plan. I never asked though ,we have enough PAYMENT PLANS.

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PostPosted: Mon Jan 14, 2008 9:49 am   Post subject:   

hummingbird, tell us the town or county you're in, the stuff i've looked up, no way for me to know if it's local or near you...traveling 30 miles for a free mamogram (if we can find one) should'nt be a problem for you though right?



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PostPosted: Mon Jan 14, 2008 11:24 pm   Post subject:   

If they find you a resource you definately should try to go get it done. You will need to give more information about where you are from to get you the information.

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