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copteacher
Adjunct
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Joined: 08 Jun 2002
Posts: 20588
Location: Teaching in the Halls of Justice
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 Posted: 04/08/03 - 14:26 Post subject: that'll teach the insurance company
to not pay for some of Abby's medicine.
I just got a check for the full amount of the medication that they made me pay for.
If they would've approved the claim they would've paid half.
HAAAAAAAAAAAAAAAAAAAAAAAA
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purple hayes
Frightened Inmate #2
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Joined: 14 May 2002
Posts: 14462
Location: ON YOUR LEFT!
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Posted: 04/08/03 - 14:29 Post subject:
Good for you. And speaking of insurance companies, both my kids made out like bandits on their not-at-fault car accidents. Looks like they're both going to end up getting nicer vehicles than they were driving. 
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Cappy
Excelent
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Joined: 16 May 2002
Posts: 27368
Location: Spreadsheetylvania
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Posted: 04/08/03 - 14:38 Post subject:
I'm just glad that health insurance isn't like car insurance where if you use it your premiums go up.
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Erstwhile Lurker
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Posted: 04/08/03 - 14:46 Post subject:
| Cappy wrote: | | I'm just glad that health insurance isn't like car insurance where if you use it your premiums go up. |
Um, they sort of do. 
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jrjo
Gone Fishin
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Joined: 15 May 2002
Posts: 16451
Location: Lake Wobegon, MN
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Posted: 04/08/03 - 15:48 Post subject:
| Erstwhile Lurker wrote: | | Cappy wrote: | | I'm just glad that health insurance isn't like car insurance where if you use it your premiums go up. |
Um, they sort of do. |
Instead of being on an individual basis, it's spread over the group. The bigger the group, the less impact a few big claims will have on premiums, but in small groups a few big claims can bump premiums pretty good...happened here.
Joe, is your coverage through a plan with multiple cities' employees?
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copteacher
Adjunct
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Joined: 08 Jun 2002
Posts: 20588
Location: Teaching in the Halls of Justice
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Posted: 04/08/03 - 15:53 Post subject:
| jrjo wrote: | | Erstwhile Lurker wrote: | | Cappy wrote: | | I'm just glad that health insurance isn't like car insurance where if you use it your premiums go up. |
Um, they sort of do. |
Instead of being on an individual basis, it's spread over the group. The bigger the group, the less impact a few big claims will have on premiums, but in small groups a few big claims can bump premiums pretty good...happened here.
Joe, is your coverage through a plan with multiple cities' employees? |
yes. Through many municpalities thankfully
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runaroundsue
Member
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Joined: 18 Sep 2002
Posts: 6629
Location: supporting GREENer pastures
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Posted: 04/08/03 - 15:59 Post subject:
| jrjo wrote: | | Erstwhile Lurker wrote: | | Cappy wrote: | | I'm just glad that health insurance isn't like car insurance where if you use it your premiums go up. |
Um, they sort of do. |
Instead of being on an individual basis, it's spread over the group. The bigger the group, the less impact a few big claims will have on premiums, but in small groups a few big claims can bump premiums pretty good...happened here.
Joe, is your coverage through a plan with multiple cities' employees? |
been there done that.....oh so many times  I don't miss being a meanie  I'm a much nicer SAHM.
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MM
Member
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Joined: 04 Apr 2003
Posts: 611
Location: Next door to Crazy Mary
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Posted: 04/08/03 - 17:58 Post subject:
OK- I hope none of you work for insurance companies, 'cause I'm going on a rant here. Car insurance is without a dought the biggest rip off ever invented. You pay in, over and over and over, and oh yeah, if you ever dare to use it, they charge you even more. I wish I could essentially self-insure my car. Instead of wasting huge sums of cash by sending it to the ins. co. each month, I could just set a portion of those funds into a highly liquid account. If I ever needed to fix my car, the funds would be there. I despise sending huge chucks of my money away every month knowing I'll never get any benefit from it, and if I try to, I'll be punished by having to send even larger amounts in each month. Yet the law requires you to buy it, so the ins. companies have you over a barrell, and there's nothing you can do about it. I HATE CAR INSURANCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
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purple hayes
Frightened Inmate #2
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Joined: 14 May 2002
Posts: 14462
Location: ON YOUR LEFT!
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Posted: 04/08/03 - 18:02 Post subject:
MM - you can self-insure in some states. TN is one of them I believe.
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Cappy
Excelent
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Joined: 16 May 2002
Posts: 27368
Location: Spreadsheetylvania
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Posted: 04/08/03 - 18:47 Post subject:
| MM wrote: | | OK- I hope none of you work for insurance companies, 'cause I'm going on a rant here. Car insurance is without a dought the biggest rip off ever invented. You pay in, over and over and over, and oh yeah, if you ever dare to use it, they charge you even more. I wish I could essentially self-insure my car. Instead of wasting huge sums of cash by sending it to the ins. co. each month, I could just set a portion of those funds into a highly liquid account. If I ever needed to fix my car, the funds would be there. I despise sending huge chucks of my money away every month knowing I'll never get any benefit from it, and if I try to, I'll be punished by having to send even larger amounts in each month. Yet the law requires you to buy it, so the ins. companies have you over a barrell, and there's nothing you can do about it. I HATE CAR INSURANCE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! |
Here in PA, you have to have it, not that everyone does, but the PD can tow your car if you don't nor can you get your car inspected without proof of insurance.
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Erstwhile Lurker
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Joined: 14 May 2002
Posts: 4047
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Posted: 04/08/03 - 18:55 Post subject:
| MM wrote: | | I wish I could essentially self-insure my car. Instead of wasting huge sums of cash by sending it to the ins. co. each month, I could just set a portion of those funds into a highly liquid account. |
You have six or seven figures lying around idle to cover a liability claim?
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thegman
Member
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Joined: 23 Sep 2002
Posts: 3088
Location: 12 yards out.
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Posted: 04/08/03 - 22:28 Post subject:
| purple hayes wrote: | | Good for you. And speaking of insurance companies, both my kids made out like bandits on their not-at-fault car accidents. Looks like they're both going to end up getting nicer vehicles than they were driving. |
You've obviously not gotten my bill yet.
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MM
Member
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Joined: 04 Apr 2003
Posts: 611
Location: Next door to Crazy Mary
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Posted: 04/09/03 - 08:52 Post subject:
| Erstwhile Lurker wrote: | | MM wrote: | | I wish I could essentially self-insure my car. Instead of wasting huge sums of cash by sending it to the ins. co. each month, I could just set a portion of those funds into a highly liquid account. |
You have six or seven figures lying around idle to cover a liability claim? |
Give me all the money back that the law has forced me to waste on car insurance, and I would.
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airehead
Oompa Loofah
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Joined: 12 Nov 2002
Posts: 18788
Location: Between here and eternity...
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Posted: 04/09/03 - 09:35 Post subject:
| MM wrote: | | Erstwhile Lurker wrote: | | MM wrote: | | I wish I could essentially self-insure my car. Instead of wasting huge sums of cash by sending it to the ins. co. each month, I could just set a portion of those funds into a highly liquid account. |
You have six or seven figures lying around idle to cover a liability claim? |
Give me all the money back that the law has forced me to waste on car insurance, and I would. |
You're a bettah person than me--I would have squandered all of it on wine, dancing, and song! 
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