is anyone having a awful time getting medical and presription caverage at reasonable rates?
475220
Talk to a licensed insurance agent in your state - or more than one.  The 276/mo for you is a decent rate depending upon your health and your state.  Take a look at your overall financial situation then ask if you have enough resources to retire or if you need to continue to work and for how long.\n\nGood Luck\nNote:  This is not a solicitation for sale of any insurance.
269436
If you don't have insurance already, you are in for a rude awakening.  You'll be denied by any insurer for the pre-existing condition.  YOu'll need to check to see if your state has a 'high-risk' pool and see if you can get coverage there.  Since you usually need a denial to get in, you might as well just apply somewhere first and get the denial of coverage.\nSince you are low income you might also quality for some sort of state sponsored medical assistance or Medicaid.
439112
I wish Doctors would tell people, but they definitely just soak up the money! I have a friend who is a definite hypochondriac. Evvvery day it's something new. And sometimes it gets ridiculous..she coughs once and thinks she has bronchitis! Then off to the doctor she goes. If she saved all the money she's dropped into Co-pays & prescriptions...she could buy a house and pay in cash!
50662
On a smaller scale, there are probably more local options out there to help you secure the proper medications that you need without causing so much financial strain. Talk to your doctor about samples. Most doctor's offices have closets full of samples of prescription meds laying around to hand out to there patients. Ask your doctor if any of the meds you are taking are there. I am sure he / she will be willing to help. \n\nAnother option is to consult with your local health department. Many health departments / public health service providers offer options for medication assistance to those in need. Ask if your local department has a "Pharmacy Access" or "Pharmacy Assistance" program in place. These programs will help those with the need for assistance in securing prescription medications at low / no cost. Normally, the only requirement for inclusion in these programs is falling within a specific income bracket. Have proof of your income ready when you inquire to make the process go faster. Some programs may differ and may have other requirements / criteria that have to be met. \n\nGood luck and best wishes...
726976
Communicate with the medical office and ask for a reduction and a payment plan.\n\nGood Luck.
552561
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nPlans are month to month with no contract.\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
360328
• Yes,\n\nAs a matter of fact, most medical bills aren't taken in consideration when applying for a mortgage.\n\nYour fico score is another story though. Having a low fico will not allow u(for the most part) to obtain a loan from a direct lender/bank, but a broker instead. \n\nThis could be a good thing though. Brokers are very competitive when it comes to interest rates. They can often give a much better rate than a bank can. The only thing people dont like when applying through a broker, are the fees they charge. But fees can often be negotiated as well.\n\nConsider your current need (not want). Do you need a loan now? or can u work on your credit first? A broker is the ideal source to go to when your credit is damaged or when u have a special need (e.g not being able to document your income, assets, poor credit, cashing-out at a high LTV, etc). But the more flexible they are, the more expensive it could get in fees as well as rates.
93168
If you have no money, call some clinics from the Yellow Pages and try to negotiate with them on a partial payment.\n\nCall the Department of Human Services.  They may have a list of clinics that charge based on your income.\n\nGo to the emergency room.  They can't refuse you....Good luck!
979717
i had 2 MRI's taken (both were for my back) the cost was $900 for the first one, and the 2nd one cost $1200. Shocking isnt it? My out of pocket was 20% as insurance picked up the rest. I now live in europe and my husband has had an MRI done, the cost to him was 0 as its socialized medicine. Somethings wrong with the american health system big time!!!!
596814
I read the other day that for men it's reported to be about 21%, but research said it's really about 50%, what a difference huh?? and for women it seems kind of high lately, and more women (celebs) are going for younger men, for diff reasons.. one is medical bills are sooo much cheaper.
951396
maybe you need to go on temporary disability because your doctor doesn't want you working and you need money to survive.  try looking into it (if you have that available there)
768996
TINKERBEL,\nYOU ARE DEFINITELY NOT ALONE. MANY FOLKS HAVE NO DENTAL INSURANCE OR MEDICAL.\nIF YOU CAN LOOK FOR A DENTAL SCHOOL TO DO THE WORK OR A DENTAL CLINIC THE RATES ARE MORE REASONABLE THAN PRIVATE PRACTICE DENTISTS.\nTALK TO INDIVIDUAL DENTAL OFFICES AND SEE IF A PAYMENT ARRANGEMENT CAN BE MADE WITH THEM?
154144
in these times, everyone is looking for health insurance. if you can offer someone a better deal, they will listen.\n\ni sure would.
1112074
I can't tell you much except sympathize with your situation, and tell you from personal experience that whether social security grants or refuses your claim has nothing to do with your condition.  They twice refused my husbands claim when he was diabetic, had two heart conditions, a half dozen other problems, and within a year was declared 140% disabled by the V.A.  They want you to hire a lawyer, and assign up to a third of your benefits pending to him.  I believe it is crooked as can be.  I knew people with arthritis and little else to agree to the lawyer rip off and get S.S. about the same time.  All I can tell you is they will answer for it.  Cold comfort when you're broke and hurting, isn't it.  Try a Church for immediate help, and probably better agree to their rip off.  You usually get it when you do.
1023534
Hmmmm...  this could be a little tricky with out insurance....BUT...  there could be ways on working around that..   there are free hospitals (if living in the states) suggestion is to try one of them.....  the wait maybe insanely long but you would not need the insurance.....  just bring a very good and long book to read..  also you can try to contact any hospitals administrator and let them know you need medical attention but can not afford it..   ask if they can help..  some times they have programs to help people without insurance..  really ask about this one..   they even might be able to work out some kind of payment plan or they just might pick up the tab altogether..  in any situation for just about anything sometimes the easiest thing to do is to ask for help...   someone somewhere will always help..  if you can not find help in your area...  look elsewhere..  but keep trying..  take care..
1073336
Base on your description, it is impossible to get a good rate. Rates that are advertised online or on TV are for people with perfect health. No matter what type of policy you get, cash value or term, it will be very expensive for you and your husband to even get $100,000 coverage (premiums are at least $2000/year).\n\nMy only advice is to look around for companies and find which one offers the lowest premium. It is better that you find out by calling the insurance company directly instead of filling stuff out online.
377723
it will take as long as they feel like it.  When I was in I got a medical in a week, but others had been waiting for 6+ months.  With me I was 12 days away from qualifying for all the benefits so I was rushed threw.  You should know by now nothing the military does makes much sense :P\n\nGood luck on your problem by the way and I hope things get better for you.