Psychic Advisor

Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Tuesday, December 1, 2015

The Gestapo time of year

It's called healthcare! They open enrollment at the end of the year just before tax time. This way you won't be fined the following year. So, for now, I will get a fine. If I was in a church I could be exempt of the fine. Some clause about if you are against abortion and the pill you're exempt but it has to come from a church. I don't believe in abortion or the pill and had eight kids to prove it but apparently, it is only clusters of belief and not singular religious beliefs that count. I can't find a church to honor a written paper the Market people told me exist to convince the powers that be of my belief system. I guess I'll write my own declaration and see if that works. I considered turning Amish but I'm not sure I can meet the standards at this age.
I did my dutiful part calling that Marketplace to see what it would cost me and when giving my poverty (yes very low annual income) they asked if I could afford $110.00 a month. WTF????? NO!
I'm thinking Rent, Heat, Elec, the Internet (must have for work because everything is on the internet like just applying for a job these days), Cell phone (must have for my traveling job), Car payment (must have for my traveling job) and car insurance. Then there is gas for the car, hair shampoo, dish detergent, Toilet paper, cleaning supplies for home and that list can go on. All that for survival. I could get rid of my car but that would cost me my job that would cost me my home....But, I would be insured to see a doctor that I only see about once every ten years. Doesn't seem fair. If I live on the street I would need medical because I am sure my health would decline to sleep in the cold eating garbage.
It wasn't always like this!
When I was young and had half dozen kids under my foot I had more money than I do now that all are grown. I pondered this. I had Rent, Phone, Elec. You didn't have to pay heat or water or trash when renting. Cable was optional and I still don't have it. TV is a waste of intelligence. (Remember when TV was free!) Car insurance was not mandatory to have a registered automobile. There was no internet or cell phones ruling life as it is now. Life was free and less expensive. Oh yes, and drinking water came from the faucet, not a purchase of bottled water every week. When we pay for water now it is only to bath and do dishes with. You can't drink it anymore so you really pay for water twice. I have a headache just thinking about how complicated survival has become in America. Survival meaning just having a roof above your head with a toilet below you're ass.
And now we add Health Insurance to the list of mandatory survival costs.
I was really excited when my daughter offered to help pay my car off. This would happen around Feb. only months away and I would be freed up a few hundred dollars. I might be able to buy food on a regular basis at least. Nope. No Miss American, the government wants EVERYTHING! So now I simply replace a car payment with healthcare. If anything in my life goes wrong..like say...car repairs, or a move to another apartment I will have no tucked away savings because my healthy body could break down at anytime at any moment as it could have for the past 54 years and didn't. Still, we should prepare. The way I see it is that we are preparing to die rather than live. I just can't afford both. That is the key, Afford!
I do want health insurance. I'm not totally stupid. I understand that anything can happen at anytime and if it really was Affordable healthcare I would get it. But I can not afford $100.00 a month or more (for some it goes up to $600.00) with my other mandatory expenses. I suppose now that I'm done being a mom I could go to collage in an attempt at a job that pays enough to cover these costs while I incur a educational cost that will last the rest of my lifetime and god forbid I am unemployed for any amount of time then.
How does it end? In the same place I am now. Poverty. If I supersede these conditions they will just come up with something else to push me back down anyway.
I mean they are charging for air to breath now, right?

Friday, October 16, 2015

A Medical Experience

This is not about a news article as my others have been. It is a personal experience I endured with my client who I care for about four days a week. One of my duties is to take her to her doctor appointments. The woman is 79 years old who had a stroke three years ago and a fall that broke her ankle a year ago. I took her on after her ankle healed. I should add I am a skeptic of everyone and everything including the entire medical industry.
The first appointment we made with her ankle specialist was because her ankle hurt her when she walked. That appointment resulted in a $100.00 ankle brace to hold the ankle in place during her free physical therapy which lasted only a month before she had to pay $39.00 a month and I have to guide her during this. I have now become a physical therapist! I could already see a pattern. The doctor then recommended she see the stroke specialist after we complained that her hip on the same side as her once broken but still painful ankle is. My first question was 'What could a stroke specialist do three years after the fact for her aching thigh?' He did not know but better to find out if anything could be done. If something could be done she would know. I now thought this was an entire waste of time.
So now she, and two health insurance companies, has paid for a doctor appointment, ankle bracelet, physical therapy and soon a second doctor.
Now the second doctor. This doctor walks in saying she doesn't know why the ankle doctor referred her but let's take a look and see. I feel better already! She pushed and poked and asked if she was still in physical therapy. Yes. "Well, there is nothing I can do but sometimes a stroke victim can have small improvements up to five years after a stroke so continue to do physical therapy." Really? That's it? So I said "Her hip hurts her. This was not caused by the stroke but after her fall. 'She doesn't recall if they x-rayed anything other than her ankle' The specialist glanced at the computer saying she did not see where they x-rayed the hip but it could be her muscle rubbing against a bone and she could receive cortisone shots. These shots however can cause a spike in sugar and she does have diabetes....but we can give her the shots. (What? Really?) Then she decides we should x-ray her hip and see if it's something else, could be bruising after all.
While waiting for someone to bring her to the x-ray room I am also thinking. Now we have the cost of the ankle doctor, ankle brace, physical therapy, stroke specialist doctor, and an x-ray. Possibly leading to cortisone shots which leads to a visit to the sugar doctor and depending on what they decide...my imagination goes nuts thinking they will give her a sugar effecting pill that will effect her blood pressure, another pill for blood pressure that will cause heart trouble, another pill for the heart that will cause kidney failure and so we need a pill for the kidneys .....and on and on we go. Plus don't forget the follow ups.
I took her out of there and told her we will consult the third doctor, her regular physician, who started all this to begin with. FUCKED UP BULLSHIT!
Think about this. Really think about one simple recommendation from her regular doctor over a minor complaint about her sore ankle and where it took us, so far. How much money passes through the medical industry on all levels. I have elderly clients that take over 20 pills a day for all sorts of imperfections. One pill usually causes a reaction that results in another pill that causes a reaction that results in 20 pills a day until death. And the major payer is....the one who will die. Everyone else lives and pays their mortgage.
If I am ever ill with a disease, I fully expect to die. But, I promise I am not paying anyone's mortgage. I'll just accept the inevitable and save myself the hype, aggravation and false hope.
Moral of the story....go holistic and don't fall for everything you're doctor tell you.

Monday, November 18, 2013

Don't feed kids right, they may live

According to Dr Martha Rivera "we live in a society that loves to eat hot, spicy, not real foods" I agree. This is ok if your an adult and decides you want to destroy your health in careless ways, but don't you at least have an obligation to try to start your kids off right!
Remember the days when we told our kids "your not leaving the table until you eat those vegetables" Do kids even eat at tables anymore, let alone have ever heard those words?"
I think today is more like "we eat when I get to McDonalds, now go play your game" There are no more 'special treats' for kids anymore. According to one mom her son eats Flamin hot cheeto's at least 20-30 times a month. That's everyday. Not a Friday night, family night snack, but every day. Good going mom!
The only obstacle parents are seeing it seems is that these particular kind of cheetos are sending kids to the hospital because they really are flamin hot! What ever happened to the Apple or celery sticks! But ADHD lil Johnny might not eat it, and it cost money. If he isn't going to eat it and take a tantrum we should just give him what he wants with his "calm down while I get you your 'be a good boy' pill."
There is good news now though, the schools are withdrawing these flamin chips and other non food dietary because they say "there is no nutritional value" Really? How many years of education did it take the schools to figure that out? Maybe they should have consulted a grandmother to ask 'what would be of value to a child's health?"
Well now that schools will offer Apples I suppose they won't be wondering if it to may lack nutrition either, or is it a GMO foods?
Kiddies of tomorrow, don't ask about your future...if your mom's snacks and dinner don't kill ya, her okillocare insurance will! here

Saturday, November 16, 2013

World gone crazy

Does anything bother anyone anymore? Think about it, these are our new age advertisements geared not towards the folks over forty who are more in NEED of health care, but rather younger healthier people who just want to act immoral. Apparently those behind the campaign to lead the lambs to the slaughter think so little of you, the average young American (graduates not responsible, just in dept) that this is the most creative they could get.
From what I gather the elderly and really sick will be gone by the time it matters if everyone has signed up to killocare, the new graduates ready to gain unemployment that will pay off their collage debt and support a future family, won't be. There pretty much telling you, there won't be any work save min wage jobs or at least not the kind of careers you thought you were getting.
It appears your not as educated as you thought if the insults these ads are giving, (to the young folks), are not pissing you off! Apparently your just glad about being able to get the pill, abortion, and drunk driving accidents and overdosing. Just keep texting while driving since ALL will be covered thanks to the government that thinks so highly of you 'common sheeple.' If your not angry then you are in the sphere of 'sheeple people' and you may consider saving a buck or two by NOT bothering insuring yourself because your dead already. You just don't know it yet!
Or you can go run to the keyboard, sign up so you can even PAY for your imminent intentional questionable deaths by the sociopathic (dare I say psychotic) Leaders who have only your best intention in mind. Just seems like it doesn't really take an education to figure out that if your living on Roman Noodles you'll NEED this insurance!
Here you are, if you have not had the amusement of seeing them yet. These are just two of many!