Nanny State - US v UK
May 29th 2007, 4:20 am
#91
Lapine Member
Joined: Nov 2004
Location: Austin, Texas in my own little world
Posts: 21,691
Re: Nanny State - US v UK
May 29th 2007, 4:41 am
#92
BE Forum Addict
Joined: Sep 2003
Location: Grand Rapids, MI
Posts: 4,525
Re: Nanny State - US v UK
Her Majesty must not know... I'm sure she would be on the first plane over if she did... wow, maybe she is reading and already on her way... better get the kettle on, she'll want a cuppa when shes done!
Last edited by Ash UK/US; May 29th 2007 at 5:33 am.
May 29th 2007, 5:04 am
#93
Account Closed
Joined: Sep 2005
Posts: 15,455
Re: Nanny State - US v UK
May 29th 2007, 1:16 pm
#94
Not dead yet
Joined: Apr 2004
Location: In a world of my own where I know everyone
Posts: 15,042
Re: Nanny State - US v UK
it was a joke. could you imagine if someone had insurance and their insurance co suddenly stated, "oh sorry we changed our minds". i work in the legal field. you would quickly see a trillion $$ class action law suit against the insurance company which would scare every other insurance company out there to never repeat this misdirection.. i(if any one knows of any insurance company which has broken their contracts then please let me know ASAP with plaintiffs, company info etc, as i know some very hungry attorneys out there that would love to make a few million, if not then STFU) if you have insurance then you are covered for everything in that contract. period. im tired of listening to all this BS out there and misinformation.
so here's my last word on this hypothethical mess.
1) if i get sick then i am covered by my insurance company (yes bob i am also covered in case i get cancer, and no i wont have to fork out hundreds of thousands because i have insurance coverage)
2) if i lose my career, though how is beyond me? i have folk work for me. so lets say a yeti climbs into my window at night, eats my wife and tears off my arms and legs and tounge then i wont be able to work anymore. BUT!!! i have insurance to cover any fictional or hypothethical loss of work scenario!!!
did you hear that??? I HAVE LOSS OF WORK INSURANCE IN CASE OF SICKNESS AND ILLNESS AND TRAUMA TO MY PERSONS!
this includes, loss of earnings via sickness illness and traumatic accidents (trauma insurance) plus if i kick it my wife will get 1 million $ so if its terminal then i put a .44 through my brain and make it look like an accident.
there did you hear that?
so yes if i get sick it will be bad, but i have insurance which will cover me and if they say "sorry but we changed our minds" then i'd make effing millions in a massive highly publicised law suit.
god almighty. :curse: :curse:
so here's my last word on this hypothethical mess.
1) if i get sick then i am covered by my insurance company (yes bob i am also covered in case i get cancer, and no i wont have to fork out hundreds of thousands because i have insurance coverage)
2) if i lose my career, though how is beyond me? i have folk work for me. so lets say a yeti climbs into my window at night, eats my wife and tears off my arms and legs and tounge then i wont be able to work anymore. BUT!!! i have insurance to cover any fictional or hypothethical loss of work scenario!!!
did you hear that??? I HAVE LOSS OF WORK INSURANCE IN CASE OF SICKNESS AND ILLNESS AND TRAUMA TO MY PERSONS!
this includes, loss of earnings via sickness illness and traumatic accidents (trauma insurance) plus if i kick it my wife will get 1 million $ so if its terminal then i put a .44 through my brain and make it look like an accident.
there did you hear that?
so yes if i get sick it will be bad, but i have insurance which will cover me and if they say "sorry but we changed our minds" then i'd make effing millions in a massive highly publicised law suit.
god almighty. :curse: :curse:
Last edited by Thydney; May 29th 2007 at 1:47 pm.
May 29th 2007, 1:47 pm
#95
Lost in BE Cyberspace
Joined: Feb 2004
Posts: 14,577
Re: Nanny State - US v UK
When we lived in FL and I was working as an EMT almost every day I would see people who were one minute top of their game, good job good insurance big house etc, and the next on their arses because of a car wreck, a stroke (youngest I saw was 37), heart attack (youngest I saw was in his 40's), or other unforseen and hyperthertical accident....happened all the time. Sadly for the majority of these people it meant losing pretty much everything.
Or take our friends in Boca....good insurance with a top company...6 year old daughter gets diagnosed with Asthma...That'll be $600 per month co-pay for her meds please, every month for the forseeable future, ontop of the premium of several hundred $$$ a month.
Oh and just because you have A1 top notch all singing all dancing health insurance doesnt mean diddly squat...on more than one occaision I know of people would send in all the moutain of claims paperwork only to get a letter back from the insurance co thanking them very much and cancelling their insurance with return of premiums and the bill for them to pay themselves to the tune of 1000' of $$$...there goes the family house.
And then try getting insurance when you've now not only got a pre-existing serious condition but also had insurance cancelled.
The US has some great things going for it but I'm afraid that until it loses this couldnt give a shit attitude to the poor schmuck who hits some bad luck It's always going to be second rate in my opinion.
Or take our friends in Boca....good insurance with a top company...6 year old daughter gets diagnosed with Asthma...That'll be $600 per month co-pay for her meds please, every month for the forseeable future, ontop of the premium of several hundred $$$ a month.
Oh and just because you have A1 top notch all singing all dancing health insurance doesnt mean diddly squat...on more than one occaision I know of people would send in all the moutain of claims paperwork only to get a letter back from the insurance co thanking them very much and cancelling their insurance with return of premiums and the bill for them to pay themselves to the tune of 1000' of $$$...there goes the family house.
And then try getting insurance when you've now not only got a pre-existing serious condition but also had insurance cancelled.
The US has some great things going for it but I'm afraid that until it loses this couldnt give a shit attitude to the poor schmuck who hits some bad luck It's always going to be second rate in my opinion.
So of course I have to call an attorney...
May 29th 2007, 1:51 pm
#97
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,172
Re: Nanny State - US v UK
Your tone is very offensive you know....but regardless....sue? that's a great come back, because everyone can afford to sue the might of an insurance company.
And Brits aren't the only one's who moan about cost of medical insurance...pretty much everyone moans about the cost, and more about inadequate cover offered by companies at the costs that are affordable.
And Brits aren't the only one's who moan about cost of medical insurance...pretty much everyone moans about the cost, and more about inadequate cover offered by companies at the costs that are affordable.
then that's what the legal system is here for!
people sue for getting asked to leave a CVS in this country, sue the insurance company if your not happy!
but believe me there are enough hungry attorneys here that would piss themselves for an insurance litigation like you mentioned a thousand times.
y'all need to grow some balls if you wanna survive in the wild west! this aint no effing nanny state like tony's socialist state, thank god!
i'm glad i am now a US citizen not some fairy UK queens subject that has to rely on the dole/social security for my family. the only folk i hear bitching about health insurance everyday are whinging poms and expat wanna go home cry baby's or brits that never made it in the US and have to bitch whilst on the dole in the UK.
the queen can lick my balls.
people sue for getting asked to leave a CVS in this country, sue the insurance company if your not happy!
but believe me there are enough hungry attorneys here that would piss themselves for an insurance litigation like you mentioned a thousand times.
y'all need to grow some balls if you wanna survive in the wild west! this aint no effing nanny state like tony's socialist state, thank god!
i'm glad i am now a US citizen not some fairy UK queens subject that has to rely on the dole/social security for my family. the only folk i hear bitching about health insurance everyday are whinging poms and expat wanna go home cry baby's or brits that never made it in the US and have to bitch whilst on the dole in the UK.
the queen can lick my balls.
May 29th 2007, 1:54 pm
#98
BE Site Lead
Joined: Aug 2004
Location: MA, USA
Posts: 92,172
Re: Nanny State - US v UK
May 29th 2007, 1:57 pm
#99
Homebody
Joined: Jan 2005
Location: HOME
Posts: 23,182
Re: Nanny State - US v UK
He is a fool and has no conception of how fate can really knock you in your tracks. Presumably he has no idea of the healthcare nightmare that can envelop those with kids who develop serious chronic conditions. Even if one has the most comprehensive cover, once they have to come off their parents' insurance, there are hardly any affordable options for them.
May 29th 2007, 2:07 pm
#100
Banned
Joined: May 2007
Posts: 351
Re: Nanny State - US v UK
He is a fool and has no conception of how fate can really knock you in your tracks. Presumably he has no idea of the healthcare nightmare that can envelop those with kids who develop serious chronic conditions. Even if one has the most comprehensive cover, once they have to come off their parents' insurance, there are hardly any affordable options for them.
May 29th 2007, 2:10 pm
#101
Banned
Joined: May 2007
Posts: 351
Re: Nanny State - US v UK
Your tone is very offensive you know....but regardless....sue? that's a great come back, because everyone can afford to sue the might of an insurance company.
And Brits aren't the only one's who moan about cost of medical insurance...pretty much everyone moans about the cost, and more about inadequate cover offered by companies at the costs that are affordable.
And Brits aren't the only one's who moan about cost of medical insurance...pretty much everyone moans about the cost, and more about inadequate cover offered by companies at the costs that are affordable.
May 29th 2007, 2:25 pm
#102
Homebody
Joined: Jan 2005
Location: HOME
Posts: 23,182
Re: Nanny State - US v UK
Once children reach the age of 23 - or sooner if they're not at college - they *have* to come off their parents' insurance:
http://info.insure.com/health/budget.htm
Those with chronic pre-existing conditions face having to pay hundred of $$$ a month for less than perfect cover - how many new grads can afford that. Even those who are able to secure a job that offers healthcare benefits may have their pre-existing conditions excluded for a year:
http://www.diabeteshealth.com/read/2006/05/01/4730.html
Having to deal with this ON TOP of the actual health worries... do you even have any idea...
May 29th 2007, 2:26 pm
#103
Lost in BE Cyberspace
Joined: Jan 2007
Location: NW Chicago suburbs
Posts: 11,253
Re: Nanny State - US v UK
i was in a recent deposition and this homeless guy was suing CVS and Walgreens because he thought the security guards had harrassed him. and your'e telling me that "because everyone can afford to sue the might of an insurance company." dude, if what everyone is telling me is true (but havent provided me with any proof) then they'd be mass class action law suits against the insurance companies. (if this has happened then i stand corrected, but until then SHOW ME THE PROOF!!!)
Actually, a UK insurance company tried that - we did win and make them pay, but it was quite a protracted battle.
What the attorney told me is that it is an illegal practice, but they try it on - and often get away with it because people just give up fighting with them.
Having now said - my personal experience and that of my U.S. friends with medical insurance has been excellent, I do not know any USCs who have had problems. I would hope such frankly fraudulent practices do not occur at the better companies.
May 29th 2007, 2:28 pm
#104
Lost in BE Cyberspace
Joined: Jan 2007
Location: NW Chicago suburbs
Posts: 11,253
Re: Nanny State - US v UK
For the love of god will you listen!
Once children reach the age of 23 - or sooner if they're not at college - they *have* to come off their parents' insurance:
http://info.insure.com/health/budget.htm
Those with chronic pre-existing conditions face having to pay hundred of $$$ a month for less than perfect cover - how many new grads can afford that. Even those who are able to secure a job that offers healthcare benefits may have their pre-existing conditions excluded for a year:
http://www.diabeteshealth.com/read/2006/05/01/4730.html
Having to deal with this ON TOP of the actual health worries... do you even have any idea...
Once children reach the age of 23 - or sooner if they're not at college - they *have* to come off their parents' insurance:
http://info.insure.com/health/budget.htm
Those with chronic pre-existing conditions face having to pay hundred of $$$ a month for less than perfect cover - how many new grads can afford that. Even those who are able to secure a job that offers healthcare benefits may have their pre-existing conditions excluded for a year:
http://www.diabeteshealth.com/read/2006/05/01/4730.html
Having to deal with this ON TOP of the actual health worries... do you even have any idea...
If they do not get a job, and get turned down for individual insurance, depending upon the state they may be able to get into the high-risk pool.
Not arguing here - but it might be useful information. In the situation you describe (and I think I know what you're talking about) insurance with employment would almost certainly have to cover the pre-existing condition from day 1.
May 29th 2007, 2:30 pm
#105
Re vera, potas bene.
Joined: Jun 2005
Location: Cape Cod MA..Davenport FL
Posts: 2,405
Re: Nanny State - US v UK
My son and grandson are now off our Healthcare..its now State law or some such rubbish that grandparents can not pay for cover for grandkids unless they are legal guardians...