Cash for Clunkers Success

[Riot]

Originally Posted by Danzig

hell, i have a bad back. every once in a while i suffer a strain. i also have back spasms on occasion. that's life. doctor suggested an MRI- i didn't bother.
i saved my ins. co. 1500 in unnecessary charges as well as my co-pay.

I hope you never have to change insurance companies (lose your job, change jobs, move to a different state, etc) because I would expect the new company to decline you coverage for any future back trouble as it is a pre-existing condition. Or ask you to pay $$$ extra to have it covered. Especially because you did decline the MRI, so there is no documentation of what your back was like at that time. Seriously, that's how they think.

[Antitrust32]

Originally Posted by Riot

I hope you never have to change insurance companies (lose your job, change jobs, move to a different state, etc) because I would expect the new company to decline you coverage for any future back trouble as it is a pre-existing condition. Or ask you to pay $$$ extra to have it covered. Especially because you did decline the MRI, so there is no documentation of what your back was like at that time. Seriously, that's how they think.

dont they usually only have pre-existing conditions excluded for one year? That was the case with my insurance company. Tho I never said anything about pre-existing conditions and had my doc note something different down on the paper so maybe I just got away with things.

I wonder if my insurance company reads DT?

[Danzig]

Originally Posted by Antitrust32

dont they usually only have pre-existing conditions excluded for one year? That was the case with my insurance company. Tho I never said anything about pre-existing conditions and had my doc note something different down on the paper so maybe I just got away with things.

I wonder if my insurance company reads DT?

there are differing rules. i know that anyone getting covered where i work (and 9 times out of ten, the employee rejects the coverage-i guess the $10-12 a week is just out of reach for their budget..yet they smoke or use chewing tobacco ) is handled under pre-existing depending on whether they had previous insurance coverage-not just depending on the illness or injury alone. if you have had insurance, our co will cover you right away.

[Riot]

Originally Posted by Antitrust32

dont they usually only have pre-existing conditions excluded for one year? That was the case with my insurance company.

No, there's no rule. Sometimes they are excluded forever. Sometimes they are not excluded (on purpose) so later, if you have a big claim, they can exclude it. Insurance companies can pretty well do whatever they please.

[dellinger63]

Originally Posted by Riot

I hope you never have to change insurance companies (lose your job, change jobs, move to a different state, etc) .

If you're getting insurance for free or almost free that's part of your job beni's and compensation you lose it and complain you now have to pay????

Sue us independents/libertarians/republicans, jump on the bandwagon and lol

PS keep the illegals!!!!!!!!! And inmates and loathe the military! That works LMAO

[Riot]

Originally Posted by dellinger63

If you're getting insurance for free or almost free that's part of your job beni's and compensation you lose it and complain you now have to pay????

Sue us independents/libertarians/republicans, jump on the bandwagon and lol

PS keep the illegals!!!!!!!!! And inmates and loathe the military! That works LMAO

??? Re-read the entire post. You completely missed the point. Nobody was complaining you had to buy your own insurance.

[Danzig]

Originally Posted by Riot

I hope you never have to change insurance companies (lose your job, change jobs, move to a different state, etc) because I would expect the new company to decline you coverage for any future back trouble as it is a pre-existing condition. Or ask you to pay $$$ extra to have it covered. Especially because you did decline the MRI, so there is no documentation of what your back was like at that time. Seriously, that's how they think.

it's only ever been a muscle pull/strain on the charts. honestly, i was surprised the doctor suggested it-but i do know the hospital next door had just bought an mri machine, so i figured the doc was just trying to help pay for it.

[dellinger63]

Originally Posted by Danzig

it's only ever been a muscle pull/strain on the charts. honestly, i was surprised the doctor suggested it-but i do know the hospital next door had just bought an mri machine, so i figured the doc was just trying to help pay for it.

wait till people go in and say all I wanted was a 'juce and samich' and I ended up w/a bypass, new knee and a bunch of drugs I can trade/sell/take. Horrible to contribute to bad habits.

[dellinger63]

Originally Posted by dellinger63

wait till people go in and say all I wanted was a 'juce and samich' and I ended up w/a bypass, new knee and a bunch of drugs I can trade/sell/take. Horrible to contribute to bad habits.

and before anyone accuses me of being racist, that's how it's pronounced here.