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Started By
Message
Why the credit and insurance systems PISS ME OFF
Posted on 3/30/09 at 10:40 pm
Posted on 3/30/09 at 10:40 pm
Note that I have an excellent driving record, no claims and have a history of NOT SUING and or PUSHING FOR CLAIMS when many, many others I know do.
My credit sucks because I have a terribly ill child and that has wreaked havoc on my employment / business.
I pay $1,800 a month for medical insurance, still get hit with collections out the wazzu because insurance companies routinely DENY the claims for made up bullshite reasons and the clinics/doctors just send the bills to collection agencies.
The world fricking sucks, but what you gonna do about it?
---
My credit sucks because I have a terribly ill child and that has wreaked havoc on my employment / business.
I pay $1,800 a month for medical insurance, still get hit with collections out the wazzu because insurance companies routinely DENY the claims for made up bullshite reasons and the clinics/doctors just send the bills to collection agencies.
The world fricking sucks, but what you gonna do about it?
---
quote:
Federal Fair Credit Reporting Act Disclosure Notice
Thank you for contacting GEICO for a rate quote.
The price we are quoting you is based in part on information provided to us by the consumer reporting agency listed below.
We are sending you this notice, as required by the Fair Credit Reporting Act, because you received a higher price based on your credit information.
The consumer reporting agency provided the following description of the credit factors that had the most influence on the price we quoted you:
-Unfavorable number of adverse public records (-)
-Delinquency (-)
-Proportion of revolving balances to revolving credit limits is too high, or there are no revolving credit accounts (-)
-Delinquency date too recent (or date unknown) (-)
Please note that the consumer reporting agency did not participate in our adverse decision. They are unable to provide you with specific reasons for our decision.
You have the right to obtain a free copy of your credit report from the consumer reporting agency, whose address is listed below, if your request is made within 60 days of receiving this notice. You also have the right to dispute the accuracy or completeness of any information in the report by contacting the consumer reporting agency at the address below. If we receive notice that inaccurate or missing information in your credit report has been corrected, we will re-rate your policy.
Trans Union
National Disclosure Center
2 Baldwin Place, PO BOX 1000
Chester, PA 19022
or call 1(800)645-1938
This post was edited on 3/30/09 at 10:41 pm
3
Posted on 3/31/09 at 7:55 am to Meauxjeaux
I hope your child gets better soon. 
Posted on 3/31/09 at 11:50 am to LSURussian
Thanks Russian. He's a dialysis patient, so he gets good care here at home.
Another thing that PISSES ME OFF.
My wife and I perform ALL of his dialysis functions at home. He goes to the hospital once a month for a clinic visit - maybe a 4-5 hour appointment.
The hospital gets to bill $8-$9k PER MONTH for dialysis care.
We don't get to bill shite even though we perform 4 - 5 hours of clinical support for him every day.
We do all the care.
We are 1 foot in bankruptcy and 1 foot out. I refuse to file.
We are BROKE, but love our kid. Everybody seems to get paid but us.
Go fricking figure.
/rant off
Another thing that PISSES ME OFF.
My wife and I perform ALL of his dialysis functions at home. He goes to the hospital once a month for a clinic visit - maybe a 4-5 hour appointment.
The hospital gets to bill $8-$9k PER MONTH for dialysis care.
We don't get to bill shite even though we perform 4 - 5 hours of clinical support for him every day.
We do all the care.
We are 1 foot in bankruptcy and 1 foot out. I refuse to file.
We are BROKE, but love our kid. Everybody seems to get paid but us.
Go fricking figure.
/rant off
This post was edited on 3/31/09 at 11:51 am
Posted on 3/31/09 at 12:11 pm to Meauxjeaux
Jersey Tiger posting why its ok for you to get screwed in 3...2....1...........
Posted on 3/31/09 at 1:01 pm to Meauxjeaux
Meaux, how much of it is covered by insurance??
Posted on 3/31/09 at 2:57 pm to prplhze2000
quote:
Jersey Tiger posting why its ok for you to get screwed in 3...2....1...........
frick off.
Posted on 3/31/09 at 3:02 pm to Tiger JJ
our first money talk thunderdome.
Posted on 3/31/09 at 3:53 pm to prplhze2000
Posted on 3/31/09 at 3:57 pm to Meauxjeaux
my main problem with insurance is that you pay, then when it times for them to pay they come up with a reason.
And the credit rating shite is absurd. Why you have to spend any portion of your life worrying about that is fricking absurd. i used to work for a credit card company, and the shennigans they pulled were ridiculous. They wanted to impair your credit so they could raise your rates. And keep you locked in with them.
And the credit rating shite is absurd. Why you have to spend any portion of your life worrying about that is fricking absurd. i used to work for a credit card company, and the shennigans they pulled were ridiculous. They wanted to impair your credit so they could raise your rates. And keep you locked in with them.
Posted on 3/31/09 at 8:17 pm to Meauxjeaux
quote:
We are 1 foot in bankruptcy and 1 foot out. I refuse to file.
frick the system. File.
It's not the end of the world and you may be able to get a completely fresh start. I admire you for not wanting to file, but do what you have to do in order to keep providing for you and your family.
This post was edited on 3/31/09 at 8:19 pm
Posted on 3/31/09 at 8:28 pm to MileHigh
quote:
my main problem with insurance is that you pay, then when it times for them to pay they come up with a reason.
VICAR: It's about this letter you sent me regarding my insurance claim.
DEVIOUS: Well yeah, it's just that we're not as of yet, totally satisfied with the grounds of your claim.
VICAR: But it says something about filling my mouth in with cement.
DEVIOUS: That's just legal jargon you know.
VICAR: But my car hit by a lorry standing in the garage and you refuse to pay my claim.
DEVIOUS: Well, Reverend Morrison in your policy… (Gets up and starts rooting through a filing cabinet. Finds papers in a coat in the cabinet)… in your policy. Its states quite clearly that no claim you make will be paid.
VICAR: Oh dear.
DEVIOUS: You plucked for our 'never pay policy' which, uhh, which if you never claim is very worthwhile but you uh had to claim and there it is.
VICAR: Oh, dear.
DEVIOUS: It could be worse. How's the nude lady?
VICAR: Oh, she's fine (cries).
DEVIOUS: Oh, I hate to see a man cry. So, shove off, out of the office now.
Posted on 3/31/09 at 8:32 pm to Will Cover
Meauxjeaux, I feel for you. I know its tough first hand. Just love your kid and do your best to meet your expenses. Nobody can ask for more than that from you.
Posted on 4/1/09 at 2:41 am to Tigris
Great skit, but the whole "The Bishop" followup is just awful.
Posted on 4/1/09 at 11:46 am to coloradoBengal
Thanks for the support all. We'll get through this tough time - have before and will this time.
As for a BK filing, unless I'm forced into it, I just can't fathom pulling the trigger on it.
Hey I made my debts, I'll pay them. My business does have the capacity to pay them if it can get rolling well.
I usually stay very positive and aggressive in my thought position about where I'm at. I long ago came to a comfort level with the fact that, given a chronic family illness, you just get hosed on many, many things.
It's not even close to "fair" but what in life is?
I admit to my moments when all the minutiae piles up and I lose it in a bout of selfish pity. Then God sets me straight and I'm rolling again.
If you all only knew the hurdles He's pulling me through you'd all convert!
As for a BK filing, unless I'm forced into it, I just can't fathom pulling the trigger on it.
Hey I made my debts, I'll pay them. My business does have the capacity to pay them if it can get rolling well.
I usually stay very positive and aggressive in my thought position about where I'm at. I long ago came to a comfort level with the fact that, given a chronic family illness, you just get hosed on many, many things.
It's not even close to "fair" but what in life is?
I admit to my moments when all the minutiae piles up and I lose it in a bout of selfish pity. Then God sets me straight and I'm rolling again.
If you all only knew the hurdles He's pulling me through you'd all convert!
Posted on 4/1/09 at 1:12 pm to Meauxjeaux
I'm terribly sorry for your situation. What type of business do you have? I ask because maybe we can start sending business your way, unless it has nothing to do with me.
On a side note you could always move your family to Europe and get your healthcare for free. Whether you take that as a joke or not, still probably a good idea.
On a side note you could always move your family to Europe and get your healthcare for free. Whether you take that as a joke or not, still probably a good idea.
Posted on 4/1/09 at 1:39 pm to Fratastic423
I do residential and commercial construction. I focus on jobs from $20k - $300k.
That's why I stated that the business has the capacity to pull out of our current situation - as it gets some financial feet under it, there is work out there. Right now I have to cash flow jobs without lines of credit, which really limits the jobs I can take.
And on the healthcare thing - I don't mind at all paying. I'm 6 hours away from THE BEST CARE in the world, hands down. $1,800.00 a month for the care we get is almost stealing.
That's why I stated that the business has the capacity to pull out of our current situation - as it gets some financial feet under it, there is work out there. Right now I have to cash flow jobs without lines of credit, which really limits the jobs I can take.
And on the healthcare thing - I don't mind at all paying. I'm 6 hours away from THE BEST CARE in the world, hands down. $1,800.00 a month for the care we get is almost stealing.
Posted on 4/1/09 at 2:10 pm to Meauxjeaux
Good luck with everything bro.
Posted on 4/1/09 at 7:16 pm to Meauxjeaux
Good luck to you and I hope you and your family will get through this difficult time...
Posted on 4/1/09 at 9:15 pm to Fratastic423
quote:Where his kid would get free care he has to wait for, for so long he might as well not have any??
On a side note you could always move your family to Europe and get your healthcare for free
Posted on 4/1/09 at 10:47 pm to coloradoBengal
quote:
On a side note you could always move your family to Europe and get your healthcare for free
Where his kid would get free care he has to wait for, for so long he might as well not have any??
In 100% honesty, and I have never been so serious on TD.COM in my years here, my kid would be dead if we lived anywhere other than here in the US.
That includes care he got in post-Katrina New Orleans Children's Hospital, as bad as that place was at the time.
BTW, thanks all for the words of encouragement.
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