“Everyone Knows Someone Who Needs This Information!” (TM)
Diabetics often have a tough, nigh on impossible, task to get health insurance these days. And, for those who become unemployed, the present structure of C.O.B.R.A. payments, to continue your previous health insurance becomes more and more impossible as unemployment time increases. When my husband first became unemployed, we managed about a year’s worth of coverage and then switched him to his Veteran’s coverage and I had no coverage for at least the next 3 years!
This time, for the last 3 of 4 years, he’s been out of work, and COBRA will run out in May, 2009. My husband now has Veterans and Medicare, and I will still be paying for my own, for as long as we can. He’s set me up with my own policy, but unless permanent employment (or my internet business finally gelling), happens, I’ll lose my coverage again, maybe until I’m 65 which is over 2 years away.
So, all of this is very much within the purview of my own experience, and I have kept myself as healthy as I can through educating myself about the true ways to Health. That’s why I am here for you, too.
If you are experiencing the jeopardy of loss of health care benefits, or soon will, or you if you haven’t got health insurance, then here is an option.
IT IS NOT HEALTH INSURANCE!!!!
Please understand the difference between this plan and health insurance!
The plan that I am going to describe is for HEALTH DISCOUNTS!
This means that when you have no coverage, and you are paying out-of-pocket expenses for doctor visits, dental visits, lab work etc, if you use a monthly discount plan like this one, then your health costs will be less if you use a provider in their network. But, it is NOT health insurance. You DO pay for everything.
In the past, I have come across several of these plans, and my husband can advise you about one for self-employed people and their families (so write me), but the one I am describing here is new to me.
I chose it as my example because it was recently high-lighted in the New York Times and it has been crafted by a physician.
Here’s some of the information from the Times article:
… Craig Brandman, founder of Medilinq, a provider of medical discounts for low-income people, predicted in a recent interview that his company would increase the number of its participants by more than sixfold this year, to 200,000 from 30,000 at the end of 2008.
… Dr. Brandman, a 60-year-old cardiologist who founded Medilinq in Houston in March 2004, described the company’s target customers as the working poor and the self-employed who are both uninsured and ineligible for Medicaid. They pay $24.95 a month for steep discounts on medical bills that the company has negotiated and that, he said, “are competitive with those offered by the Aetnas and the Cignas of the world.
” Health care providers support his product, he said, because the company makes sure most bills are paid within 10 days, in contrast to the industry average of 75 days, and because it eliminates the paperwork that can eat up 25 percent of their revenue.
So, if you have no health insurance, or know that your ability to pay COBRA will soon disappear, then check out Medlinq as a stop-gap measure.
At least with Medlinq, while you are paying for all your own care, with it you will get discounts you would otherwise not be able to.
If you find other ways to help in these tough times, you can write me at the box in the About Me section on the upper Navigation Bar, or you can comment on this post.
We have to be alert and creative in tough times, and we need to work together. It will be a thrust of my focus here this year.
Best to all — Em
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(c) 2008 Em https://diabetesdietdialogue.wordpress.com
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