Insurance companies always get --
Posted By: ME on 2009-01-13
In Reply to: If you have no insurance, that means there is no record (sm) - My opinion
past medical records, no matter what insurance company you apply with. Once they get the records and the diagnosis is documented on your record, it is considered a preexisting condition.
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So you are saying you do not like insurance companies????
![Belly](http://smileys.smileycentral.com/cat/4/4_1_219.gif")
Obviously your on the side of insurance companies
Maybe you should educate yourself on insurance company profits rising via higher premiums despite more claims being denied due to risk. The problem is not the supposed risks, its the corporate greed. No matter how much you pay for insurance, a sizable portion of it goes to salary someone to find (and legislate)loopholes so they won't have to pay anyone's claim. Go ahead and buy into their propaganda that its other customers causing the problem, not their CEO's new mansion or their profit margin. Then see how much they appreciate your loyalty next time you file a claim.
I agree - insurance companies are in it for big bucks (sm)
Even if they made the obese pay extra they wouldn't give the rest of us a discount anyway. Who are you kidding? Do you really think they are on our side any more than the pharmaceutical companies? Do you know much about managed care and how it affects our industry? Insurance companies make a mint and they try to share as little of it as possible.
I think so many companies are just trying
to cover their but so they won't be sued. I once read on a stroller a tag that said do not collapse while child is in stroller. LOL
We tried one of these companies
and it was supposedly a "reputable" one, recommended highly by just about everyone. Searched online, you name it. Thought I did my homework pretty good. Well, they were a rip off. Thankfully I kept logs of everyone I talked to about what and when, etc. They screwed up several of my accounts, didn't pay them for almost 3 months (even though they received payment) and none of my interest rates were adjusted. I contacted one of the lawers for the cc company that was handling the collection at that point since my company failed to do so and they said that this was a very common thing and that they really did not like to deal with companies like that, would rather deal directly with the person.
Good luck to you though, sounds like you actually found one that does some kind of work.
Mortgage Companies
We have a good one, but it is funny when there is an error on their part they call your employer... When they want to loan you some more money, they call your house!
Yep. OIl companies don't like the price low.
They cut production to get the prices up again. If we're not _____ by the oil nations, we're ____ by the American oil companies. G-R-E-E-D is the name of the game in the last few years.
Government tells us to cut our driving. Well, I hate to tell them but between a pickup and a car, we drove a total of 5,838 miles last year, and most of that mileage was 100 miles a day for DH to go to work. I get to the store once a month anymore, 2 mile round trip. The only thing I can cut down on is to walk to the store and back. Been there done that, but I'm no spring chicken and carrying 5 bags or more, well....you'd see a bag every 100 feet.
Mystery shopping companies
 Mystery shopping...Has anyone done any work with reputable mystery/secret shopping companies???
no different than amer. companies offshoring.....sm
I don't see how it's any different that american companies are hiring illegals here versus american companies offshoring (which I detest) because the issue on either side is -- bottom line - the dollar - and what American employers are willing to pay today...........and in either case, we are all losing our jobs to foreigners (whether they are legal, offshore, or illegal workers).
just my opinion.........
He ought to add the MEDICAL TRANSCRIPTION companies
8
Really now. Do you think MT companies really care? I wear
xxxx
As an IC, I don't think they are allowed to have you on a set schedule. Other companies have
gotten in legal trouble because they were treating ICs as employees. With my IC job, I let them know when I can work and, if they need extra help, they will call and ask if I can do more, but they do not TELL me when to work.
I feel sorry for companies. With all the PC nowadays,
They'll be slapped for saying Christmas...they'll be slapped for not.
I agree -- people should be far more tolerant than they seem to be. I'm a Christian but would not be offended if anyone sayd Happy Kwanza or Hannakuh or Happy Allah Day or whatever!
However, in the interest of keeping politically correct and not being offensive to everyone, they resort to the measures you brought up.
I think we should make sure and not be as sensitive about the word Christmas not being used as those we are complaining about are to it being used. We don't want to be viewed as oversensitive, critical or ugly as they are.
As religion really is a personal choice, we should remember that keeping it alive in our personal lives is what is so important.
JMHO
Like if you diss AAMT, certain companies, -
management, etc. or even if you write some perfectly good words that aren't cusswords, you either get that "bad word" thing, or get booted out altogether.
spyware? Sounds like what companies use
to shadow in to fix technical problems. Also, many services and hospitals have this ability to keep tabs on their work/workers. I had one use it to break in and type a message to me when they needed a stat.
but, sounds like your hubby needs to take up golf or something.
I agree with trying to negotiate with the CC companies
yourself first. That's what I did. We had a medical problem and we went from paying on time for years to 90 days behind in 3 months. We wound up living off the cards...which is an absolute no-no, but couldn't be helped, and wound up with $45,000 in CC debt.
I called them all and they all have programs for hardship cases. They set up payments for you which are lower than what you would usually be paying and they lowered my interest rates again (in the good times, I was paying 9%) from 19% to 21% down to 9% again and one company even lowered my interest rate to 6%!
They automatically take the money from your account and you just have to remember to keep the money in there. Payments are much lower since they lowered the interest rate and all the cards will be paid off in 4 years.
One company did close my account, but none of the others did. I haven't used a credit card for 2 years and most of the cards I had for 10 years.
Hope this helps and good luck. There is light at the end of the tunnel.
The credit card companies are going
to be do everything they can get away with in the next year because of the new rules that will go into effect in 2010. Keep an eye on your interest rates. I have a couple that went up for no apparent reason. I called them immediately. One company lowered my interest rate below what it had previously been. The other did not, and I paid it off and did not use it for a while. They sent me a notice a recently that my credit limit had been increased and the rate had been reduced (back to what it had been previously, of course).
The link below has a synopsis of the new rules that will take effect next year.
Those companies you listed at non profits
All of those companies you listed are non profits as described and accepted by the IRS.
I'm afraid you're going to be out of luck with your animal rescue lady, unless she reorganizes as a non profit, or makes you officially part of the company.
But, DON'T TAKE MY WORD FOR IT. Check with your tax person, or if you can't reach her, find another tax person. Call H&R Block. There may be some loopholes that you can use to get the deduction.
sorry - Only helps the big formula companies make $.
Toddler nursing is a normal! The criticism of a 22 month old breastfeeding is just a reflection of people's anti-breastfeeding attitudes.
Not so much by unknowns but by my own credit card companies,
all foreign people, trying to sell me the credit protection. The last one called me for around 10 days straight (unknown # on the ID)until I finally answered! I told them all to put me on THEIR "do not call list" or I'd cancel the card. Seems to have worked. ;)
Sounds like offshore companies.....aren't
xx
millions called their cable/tv companies...
There are companies that specialize in refacing cabinets
Veneer is tricky stuff to work with. If none of it is chipped off, you might be able to glue it back down. But if it's chipped, there's not a whole lot you can do except use wood filler to fill in the gap and paint all the cabinets. 
Actually I guess all the internet companies are going to be doing the same thing. nm
:
Yes that angers me, but are your companies not categorizing it correctly? sm
My DH gets bonuses from time to time and they are tax free. I always thought gifts and bonuses were just that, nontaxable, not to mention the tax write off for the company contributing or did that change somewhere over the years?
Pharmaceutical companies have lobbyists in Washington
and there job is to make the company wealthier at it appears any cost.
Israel's #1 export is pharmaceuticals. 4th is weapons.
Conspiracies to make men richer are nothing new. Medications are sold at a fraction of the price to other countries but in the U.S., the patients' cost is enormous comparatively speaking.
Medicare plan D or K, whatever it was that provided pharm. co. with an increase in medicare payments to drug companies approved by Bush is an example of why govt and pharm. co. do not have the patient's best interests at heart.
I have a friend who does this regularly. I am on-call for a few companies locally and sm
am awaiting my next assignment. For the poster below who stated if it's too good to be true...This is a very legitimate business, not a whole lot of money to be made, but legit and fun too. You just have to write down every single thing you've witnessed and check off boxes if a survey is included in the shopping and/or eating experiment.
WalMart also contracts out companies they know hire illegals. There was
not too long ago.
No wonder more companies are hiring people from India, at least they work.
.
You just nailed it. Companies hire illegal immigrants.
zz
China bailed out some large US companies. I guess we are
nm
Anybody see the new thing now that internet companies including Comcast are going to monitor monthly
internet usage.
insurance
I live in Upstate NY and I am an IC also. I found the best way to go (cheapest) is to join a local Chamber of Commerce and buy a plan through them. They can offer you the best price for health insurance at group rates. You have to pay an annual fee to the Chamber so that's the only snag, and it pays to check out different Chambers because each one is different with some being cheaper than others.
need help with car insurance -
Have had State Farm since I was 16 - my house is also State Farm. Just found out that almost 2 years ago my now 23-year-old daughter who still lives with me got a DUI. State Farm is dropping us both. My record is very good - one tiny accident (hit a pot hole and had to have new aluminum wheel) in over 13 years. If she could live on her own on her salary I would make her - but she can't. She doesn't drive my car - I think I have asked her to get gas for me on a couple of occasions - and when we go on vacation she might take a turn. Any ideas? What will insurance cost me now - any good companies to go with? HELPPPPPP!!!
car insurance
I have a teenage daughter on my car insurance (thankfully neither of us have ever had an accident). If you're over 50, you can join AARP and then you're eligible for discount insurance through the Hartford. They saved me about $60.00 a month over any other insurance I had previously. If you meet the age requirements, look into it.
insurance
My son had a DUI and the ins was going to cancel us but they said if I only insured myself and my son showed proof of other ins that they'd keep me. Could this work for you?? Just a thought...
PIP INSURANCE
Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07. Please go to the web site http://www.wpbf.com/index.html. In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated? Please go on line and vote NO. Send this email to everyone you know. We want hundreds of votes.
Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt. You can find their email addresses on MyFlorida.com. It is very important that they add this to their agenda on 6/12/07 for their special session.
Thanks for your help.
Insurance...
I agree with not being able to do that. I cannot get on my boyfriend's insurance because we aren't married but maybe it's state specific or company specific. If they are allowing gay/lesbian couples to ensure their significant others, then allowing ex-spouses or bf/gf to be insured by the other may be possible.
Insurance
Did you start a claim with the existing insurance? This happened to me, I had to do the cobra until my husband's new insurance kicked in, and they accepted the pregnancy not problem. I would call your current carrier and ask curiously. Some insurances dont have a problem as long as there was no gap without insureance. It so happened that the new insurance picked us up in just 30 days and we only paided the cobra for one month. I think when it comes to pregnancy, pre-existing does not apply, as long as there was no gap. Check it out. It was awhile ago for me.
Insurance sm
It sounds like you're a great friend and neighbor!
Our neighbor never gave us their insurance information. Our situation is a different because in addition to physical scars, our daughter has emotional scars from this dog bite that will take a long time to recover from.
I did some research on the dog bite law. Sometimes insurance companies will cancel the homeowners policy if there is a dog bite on the property. If they don't cancel it, the insurance premium will increase by a lot. I think this is why they didn't try to go through the insurance company and thought we would accept this small check.
We believed them when they said they would take care of everything. I guess we're just too nice! 
but you do have insurance, it's the same
I didn't have a job, even though I do. It's lying. It's fraud.
Pet Insurance
I have some pet insurance. It is $17 a month for each dog. I figure, for $200 a year, if the dog lives to be 15 that would be a total of $3000 over the life of the dog. Which can be less than the cost of a single operation.
So I got the insurance. Andy had a minor surgery (removal of keratocanthoma) that came to $600, including $200 to have his teeth cleaned (not covered). After the deductible I got a check from the company for $300. I was pretty happy with that.
insurance
Does insurance cover any of the cost for implaints or dentures?
no insurance
I just got my teeth cleaned and you just call the office and tell them you are uninsured and they offer you a much cheaper rate, they charged me 75 bucks.
how did this become an insurance debate???
I posted simply to relieve some stress and anxiety...sheesh! THANK YOU to the sincere posters expressing their sympathy...to the rest of y'all who turned MY post into a petty debate... !!!
Health Insurance
Does anyone know where I can get family coverage? I live in NY and I am taking an IC position. Thanks
Homeowners insurance ? (sm)
I'm wondering if anyone has heard of this happening. My niece spilled a small bit of bleach on her carpeting, about the size of a baseball. The spot is in my brother and SILs living room. There is also a small spot going up their stairs. So, they called the place where they got their carpeting (about 3 years ago) to see if there was anyway they could fix it, and they informed them that the homeowners insurance would cover this and that since the carpeting is wall to wall, they should be able to get the entire house re-carpeted. Does anyone know if homeowners will really pay to have your entire house re-carpeted just for a small bleach spot? If so, I am going to call about our kitchen floor that has a large scratch on it from our table!!
Those *studies* were done by insurance --sm
companies who do not want to pay for the workers' comp cases and people that have gotten it. Just another *scam study* so they don't have to pay...just like the Katrina thing...where flooding caused by the hurricane is not covered because it is flooding.
My son's insurance would not pay for Nexium (sm)
but it would pay for Protonix (none of the others worked anymore - Zantac, Pepcid, Prilosec). He has GERD and Barrett's. Anyway, he has been taking the Protonix for about 3 years now, and it is still working great! He never had to go on the Nexium. But I guess each person might be different.
Health insurance, so not sure.
My copay is the normal amount though, so it may not be too expensive. Our more expensive drugs will have a higher copay. You might see if your doctor has samples, just to see if it will work for you.
This is w/o health insurance either - sm
though ours is cheap (but very, very good). We only pay $140 a month for 4 of us. Of course just about every few months (if not every) something unexpected crops up too, car repair, etc.
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