April 7, 2018 at 11:22 AM #60007
We are studying medicare…since this year we both turn 65. Ok…well, here’s the lowdown I get at this point… you get part A for free…it covers “hospitalization,” at least as long as you’re not there for more than 60 days and you don’t see any doctors, nurses, therapists, or get treated with any drugs, procedures, tests, etc. In other words, you get a bed, tv, bedpan and toothbrush, oh, and dubious meals, if there’s nobody around you to sneak food in. You need part B for the other stuff, unless there’s drugs involved, in which case you need part ?, and you might even get a free donut hole to enjoy with your pills and hopefully can still afford a cup of coffee. Now, you must pay for those B and ? parts…so…there goes the free parts. Now, you still get limited time in the hospital or if you go to a doctor…so you need to also buy insurance, which everybody has to have of courss or you cant ever see a doctor, etc., but when you do that you still have to pay both the part B and the insurance added monthl premiums, plus bills and copays if you got to a doctor. NOw, if you get part, D, I believe it is they take over and basically privatize your other medicare parts, so you pay that montly bill plus the part B monthly bill, but dont know what, how, or when you are covered, so essentially you have no idea what you have until the bills start coming in…but if you get part C, which has its own parts A-N which have nothing to do with the other parts A-whatever, then you’re still in charge, yet you have several monthly bills coming in, plus the thousands that come in once you do go to a doctor or go to the hospital and find out which thing is or is not covered. This is so confusing I feel like skipping the whole doggone thing…lol. I thought our insurance was confusing…lol…the time I was having an ocular migraine and the back of my insurance card says 150 for ER…i’m thinking a little steep but we could manage and I was scared…then the uncovered bils start coming in over the next several weeks…the surprises adding up to 1,000. But…wow…on top of that, if you make the wrong decisions in your initial medicare gambling that you do to choose when you’re 65, you will get penalties later or they can even refuse to cover you later, when you might really need this coverage. So…you gotta do some gambling…your monthly premium bills will go up, and then of course you must also have a few thousands laying around so you don’t lose your farm, or other life’s accomplishments lest you get sick, get into an accident, get shot up with somebody’s AK-47 while indavertently wandering through the woods on the practice days or whatever…wow…am I right that this is too confusing, too expensive, and involves too much gambling, or am I just a lot dumber than I thought? Plus, the billing rates of these so-called supplementals can go by comunity, age acquired, age some other thing i dont quite get…ugh…it raises your blood pressure thinking about it…I think it’s time for lunch and a little bit of clawhammering!
April 7, 2018 at 12:41 PM #60009
- This topic was modified 1 month ago by cricket.
Cricket your basically forced into a group plan , But you can always vote for Republicans who will make it worse , their form of conservativism means old folks are a waste of money and of course entitlements , like health care and social security need to be cut back or eliminated entirely , after all social security = socialism = communism and helping the elderly =Christianity which has already been removed from federal and state government , and in its place is predatory capitalism , which means if it does not make money at our expense then its out .
Look on the bright side , if you woke up today then its a good day !
April 7, 2018 at 1:40 PM #60014
- This reply was modified 1 month ago by Steve Srader.
LOL…yep. Have to start searching the obituaries for ourselves like that comedian… Oh boy, fun times ahead!April 7, 2018 at 1:45 PM #60016
Death by firing squad is looking more and more like the best option. Preferably using AK-47s!April 7, 2018 at 2:45 PM #60017
Sounds less painful, doesn’t it?April 7, 2018 at 3:36 PM #60023
Algebra is a guy I think I met down at the store one day. (Al Gebra) lol.
When I went to skool, it was called “Doin’ yer gazintas”. You know, 2 goes inta 4, two times, 4 goes inta 8 two times, etcetera.
I sure do know what you mean about Medicare and the like, though. I recently had a heart catheterization procedure to see if I could withstand a colon cancer operation. The procedure went well with no placement of a stent (already had 4 stents and five bypasses back in 2006) and it took 1 hour and 20 minutes and the bill was $45,000.00!April 7, 2018 at 3:41 PM #60024
Have a good day ya’ll…April 7, 2018 at 4:44 PM #60026
Algebra is easy…unfortunately health insurance is a Calculus problem…
Luckily I don’t have children…the State and medical folks can fight over my fabulous estate when I’m gone…
April 7, 2018 at 6:41 PM #60028
- This reply was modified 1 month ago by fiddlewood.
I’m so much like my late brother-in-law…he couldn’t stand all the buracracy or howevr you spell that terrible word…lol…and he just didn’t go for it. No license, no health insurance…just live and pay your bills as best as you can. He had gotten sick in recent years and ended up in the ER, and getting stents, etc., but just didn’t pay his bills because as Fred said…they were in the tens of thousands, he thought ridiculous and he lived his life in poverty, so couldn’t afford any real health care. He just refused to pay…of course, he lived in a house that we own, so there was nothing for anybody to take away from him. He recently died at way too young an age…younger than we are…under slightly mysterious circumstances…he and his goat died during the unusual cold snap back in January…no idea why he was outside and what was going on…which caused police investigations and all sorts of confusion…but by this point we are thinking maybe he just did things right…why not just go out and die with your goat…we have no idea what happened to either one…I don’t know how long it takes for the police to give any info out, and they wouldn’t let anybody around there…but anyway, it was shocking and sad…yet, he lived in his own simple waay…not engaging into silly bureaucratic rules and demands…just living a simple, honest, hard-working life in his own way…shame he died so young…but he didn’t have the means or desire to get involved with our insane medical establishment…we do miss him…no idea what happened to him and his goat…but i do share his intolerance for all this nonsense you have to wade through. Mike is more tolerant and does keep me in line. Can’t deal with all the nutty rules.
April 7, 2018 at 10:19 PM #60034
- This reply was modified 1 month ago by cricket.
Cricket, sorry to hear about your brother and his goat. Very strange.April 8, 2018 at 5:49 AM #60043
It was unexpected and shocking, plus confusing…but not my own brother, Mike’s brother. I don’t know if they’ll ever tell us anything they found out, or if we’ll ever know what happened to him or the goat either one. He went most of his life very poor, just about no health care of any kind ever really available to him…then when he got the stents that one time, years ago, it amounted to more than the house is worth…crazy. I think the people who came up with our health care rules, etc., here are obviously out of touch. My daughter says we should run through the Canadian border and live there…I told her Canada might some day decide to boot us all out as undesirable “dreamers,”…lol… who knows? Our representatives are all obviously just nuts.April 8, 2018 at 12:52 PM #60046
Cricket, public health doesn’t work here for everyone either. The waiting lists for operations is unbelievable. The doctors won’t diagnose you as needing something because they don’t want you on a waiting list. My daughter completely tore her ACL, broke it, and it took years before we got a doctor to diagnose it as needing an operation. Then she had to go another step & finally got bounced out of the system with no word, and she never could get the operation…she’s still waiting & that was 10 years ago. I have needed work on my knee for years and they just told me I’m not worth it. I could go on all day with our personal horror stories with health care here in Canada. I won’t talk about it because, get started and I can’t stop.
If I come down with a life threatening malady, my intentions are to just say my goodbyes & move on to what’s next, instead of putting myself in the hands of a political health care system.
My Granddad’s sister was a midwife who was renowned for delivering 2,000 babies. She lived in the coal mining town of Midlothian, Western Maryland. Mom said she always had her little suit case bag packed & ready setting by the door, and when she got the call she was gone like a shot & was often gone for days. Needless to say she was probably the most beloved citizen of that area…but she never got rich…there was never a word spoken about money. That was her calling & her life. You could always tell how much Mom revered her when she spoke of her. What a blessing…April 8, 2018 at 2:48 PM #60049
Rodger, your great aunt sounds like a great lady. Home-birthing is really popular here in my area, as are mid-wives. However, it’s illegal to have kids at home with just a mid-wife here, so the mid-wives and mothers have to be kind of secretive about it. Since we in the moutains are very close to TN, many mothers can access certified midwives and doulas just across the border.April 8, 2018 at 4:07 PM #60055
Most of the restrictions and laws come from predatory Capitalism , They want money for everything and then many people are ready to sue at a drop of a hat for personal gain , we are protected from being protected to the point of even if you have the knowledge to help others you can not as Christianity has no rights under Government laws , If things go wrong for any reason you can and will be persecuted and Imprisoned , We are Kind of like a chicken in the chicken house , If you get one tiny speck of blood on you , Your death is Imminent ?????????? Sad !April 8, 2018 at 5:01 PM #60057
I had a midwife in TN, but in a hospital, and with a few unpleasant complications…my daughter would have died and almost did die giving birth in a hospital…she had a lot of blood transfusions and then had a severe allergic reaction to the transfusions, and all kinds of unbelievably terrible things…so…at home neither of them would have made it…so…I’m all for home birthing, but you have to accept something can easily go wrong and everybody die or have lifelong complications. Daughter and grandson were lucky her husband had good insurance at his work. I know the old doctors and grannywomen felt called to help the sick and injured, with no regard whatsoever for what was in it for them, other than the satisfaction of serving their fellow humankind. It’s so different in today’s world. I know Canada’s not perfect either…I have friends in England who say it’s not perfect there either, but they are very happy with their National Health Service and worried there are poltiicans there tyring hard to privatize it and ruin it all for them. Like I said…I’m about as intolerant of all of this as my brother-in-law…he would have qualified for VA health care but the trip across state and the bureaucracy of all of that even bothered him enough that he didn’t feel like dealing with it. I’m about as bad…I can’t stand all this stuff…but…well, you can just die, but when I see how my mom slowly and painfully died over the course of about six years…if you went through something like that you would definitely want something to reduce the constant agony. That’s what makes all this medicare decision such a gamble…will you one day go outside and mysteriously die along with your goat, or will you suffer terribly for years and need help? That’s the gamble, I guess. How much you gonna pay out on that wager? Steve I like your chicken analogy…it’s right on.April 8, 2018 at 8:13 PM #60062
The chicken thing makes me cringe…but some folks probably haven’t seen it..
Cricket, you just never know. Dad was 87, and people were with him and he didn’t show anything wrong at all, and he was talking perfectly normal…then all of a sudden he was just gone…he didn’t even gasp for his last breath. I’ve never heard of anything like it. (And it was on Christmas day)April 8, 2018 at 9:31 PM #60065
Wow…that’s really strange. The kentucky folk singer, Sara Ogan Gunning, supposedly as to the story I’ve always heard…supposed to have died while singing in a rocking chair in a circle. The others were going around the room singing, and the next time they came around to her, she was dead. Most of my family on the farm just set down their hoe, or whatever, whiped their brow, and fell over one day. My great aunt got so tired of coming up on the older generation to find them dead, she got so she wouldn’t look for anybody, not peek in their door or look around where they should be…she got scared of everyvody just dying outta nowhere. But the last few of my family died bad…there’s hardly any family left…my dad and my brother. I have very little contact with my brother but I see my dad quite a bit. That’s it…my family is gone. Mike’s running out of relative s now too. His brother that just died with the goat was like a twin…they were only 14 months apart in age…grew up running the woods with their own father having died…the other siblings older…the mom had to work…they ran through the woods wild without any supervision and became each others’ parent, sibling, companion, whole world, twin, etc. It hurt Mike really bad that he died…and even worse that we don’ t know anything at all about the cause of death, his condition, etc. It was 5 degrees that morning and he had nothing on but underwear…which sounds pretty strange on top of all the other strange things…we don’t know anything else about it…don’t even know if he died first or if the goat died first.April 8, 2018 at 10:04 PM #60068
My Dad’s cousin, Phyllis Virginia, said she could see the angels coming and heard them singing & told how beautiful they were. A 10 year old girl isn’t going to make that up with her last breath. Then she took her last breath, & both doors of the house blew open & a wind came through & she was dead. I know how strange these things sound to today’s people, but life in our hills was really different from the world today. I guess that’s why it’s so hard to leave & forget.April 9, 2018 at 7:30 AM #60070
There’s plenty of mysteries in this world for sure.April 9, 2018 at 9:51 PM #60090
Strange mysteries! I had heard about this before, but my grandpa Cockman’s watch actually stopped when he died. I guess it was a coincidence but we all got very quiet when it happened. Then we heard a knocking sound on the wall, which really startled us, but it turned out to be Grandma (she had Alzheimer’s, and had accidentally locked herself in the stairwell.)April 10, 2018 at 2:04 PM #60102
Somebody I worked with had their desk clock stop one afternoon. She was two or three cubicles away from me, but nosiy enough that everybody always knew what waas going on over in her cubicle. She was fussing at the clock and messing with it…about 20 minutes later, her phone rings…somebody telling her that her mother, back in Oklahoma, had just gotten transported to the hospital but was pronounced dead the same moment this woman’s clock had gone dead. Yeah…everybody in the whole office kinda got spooked on that one…I mean…we were all there.April 10, 2018 at 2:12 PM #60103
I should tell this one about my mom…she had died shortly before our daughter had her son…once we knew the baby was in the works, it was so sad that my mom was no longer around for that. Anyway, the pregnancy was rocky and we were hoping the baby would show up a little early…not to early, but early enough to prevent impending possible disasters…one day waiting and hoping for early delivery…daughter and I were in her car, going to look for some kinda baby stuff at the baby store, she was driving…we were talking about if baby came early he might be born on my mom’s birthday… and suddenly, blaring fom the back seat comes the song, Will the Circle be unbroken…bye and bye, etc. We both just looked at each other…I’m like…how’d that come on? She said it must be coming from her ipod (haha…the days of the ipod) back there…but nobody touched it. Then she told me that song was never on her ipod…which I believe, because my daughter doesn’t listen to that kind of music. She listens to stuff like Michael Jackson or opera…that’s about it. That was pretty weird too…kinda freaked us both out.April 10, 2018 at 4:27 PM #60105
That’s really spooky.April 11, 2018 at 6:21 PM #60137
Cricket, my (young) algebra teacher would lose it and get out of control, because we had a few smart alecks in class that would do some silent thing nobody would see or know except the teacher. They really rode him rough. Once they even pinned a kick me sign on his back side & he was walking around like that. Well, when he saw them do something he instantly morphed into a maniac & he would throw the chalkboard eraser at them…but he didn’t just throw it…it was like a major league pitcher throwing a smoking hot fast ball. Once it whizzed right by my ear on it’s way to it’s target, & I was always scared to death of getting clobbered…I was only about 14. Anyway, I can’t hear the word algebra without hearing the noise that eraser made going by my ear…April 12, 2018 at 2:33 AM #60152
Rodger, he had probably calculated exactly how many erasers and chalk he could hurl and still be under his annual budget for classroom supplies…April 12, 2018 at 7:05 AM #60156
Rodger, I’ve had similar classrooom experiences…lol. I usually got Fs in math…no matter what. I can’t count. I really cannot count. Whenever I start a knitting project, which I never have time to do anymore now that I’m retired, but it takes me several tries to get the right amount of stitches going to get started, because…I can’t count. I’m gonna try though, because I love the physics and astronomy, plus other sciences and weird stuff I can sorta understand if it is explained…Schroedinger’s Cat, thermodynamics and quantum weird stuff…that’s all so cool to me…but I have to hear it from somebody who knows…it’s like plaing music or listening to music being played…I’d like to be on the inside story close up. Anyway, thanks for the video, John…Mike teaches his math from a practical sense…it’s kinda like ou have to acknowledge that before you can go on. My problem is I can’t even use math in a practical sense, because…I can’t count.April 12, 2018 at 9:38 PM #60168
Just move to any MODERN English-speaking country that has Medicare, like England, New Zealand, Australia, and get FREE medical, i.e; FREE Doctors : Witch Doctors are an optional cost), FREE Hospital (for indefinite time), FREE medication (as many drugs as you can fit in to your over-night bag), FREE surgery (by highly qualified surgeons). Okay, the food tastes like doggy doo but everything else is FREEEEEEEEEEeeeeeee!!!!!!! 🙂 🙂April 13, 2018 at 7:37 AM #60175
I don’t mind paying my own way, but it’d be easier to pay a medical tax and then give doctors a salary, and then if you wanted to go to a doctor, you don’t have to read five or six books and run through lists of what’s coveried if this or that, which class of this or that or whatever…just go and worry about getting well. The doctors don’t have to do unnecessary testing, treatments, etc, to get rich, just do their job as best as they can and collect a nice salary. When they get into all this complicated gambling, which is what our system is… you place your bets, lay your money down every month, then end up paying again and again, up into the thousands or higher, because there are little tricky things you might have overlooked, especially so if you are sick, etc. No other civilized country allows hard-working, honest people to become homeless when they get sick. I was a slave to a job I hated for 20 years because it was the first and only job either of us could get that ever offered health insurance…I got paid less than ten dollars an hour and they charged me 375 a month for family health coverage…very little was actually covered…we left home for the security of that job, because we thought that was good, a lucky break, etc. Yeah, it was good…but if you look aroud the world…that’s pretty sorry.April 13, 2018 at 1:08 PM #60180
Cricket, I had a PET Scan the 11th and after Medicare pays the bulk of it, my portion to pay will be $900.00. The test took about an hour. Crazy high bills.April 13, 2018 at 3:27 PM #60184
We have a local country doctor who is usually pretty cheap. However, I was in for a checkup last week and he accidentally left the door open. His old tom-cat came in and started rubbing against my leg, and as soon as he ran the cat out his labrador retriever came in a started barking at me, nearly made me jump out of my shoes. When I saw the receptionist for the bill, I couldn’t believe the high price — $700! I asked her why the price had gone up. She said “The doctor’s fee is still $50. However, we are now charging $400 for the cat scan and $250 for the lab test.”April 13, 2018 at 3:29 PM #60185
Now that’s funny, John! lolApril 13, 2018 at 4:09 PM #60188
Good one, John! Fred, I just don’t see how people are supposed to have that kinda money laying around. Like I said before, i worked my whole life either under minimum wage, minimum wage, or slightly above, but didnt reach double digit hourly pay until five months before I retired at the end of 2008…they saw us coming up the road, here…low pay because they knew where we came from. I retired when I did because of my mom[s health problems that they needed help with, plus the next year retirement benefits would have been worse because ky made a huge change that year that affected the retirement system…so it helped me to get out when I did. Still…neither of us ever made even teenie bopper wages, although we worked hard our whole lives, and we pretty much live month to month, like so many people we know…but daggone if you get sick or hurt…you[re expected to be just sitting on thousands and thousands or lose your house. Our old friends and family from back home have horrible stories because of lack of affordable health care…we’ve saved many of them from homelessness when we could…and feel very fortunate we could manage to do that. Others have died penniless, as they lived so much of their lives…yet, we all worked…we all did our best. I have[nt met too many lazy people until we moved up close to this urban area. Yeah…theyre on the spoiled side up here…once theses guys I knew from the library where I worked invited us over to help the man move this concrete decoration across the yard…Mike saw it and said he felt like telliing him I could move it for them while Mike and the other guy had a cigar…lol. I mean…it was nothing…but these guys up here get Hispanics to do all the work. They finally put sewage in our area a few years back…being a what they call “low income” neighborhood ( we htought it was great when we first came up here…lol), and the neighbors paid companies up toward a thousand to come in with back hoes…we went out with a shovel and maddock and cut the five foot deep ditch quicker than the backhoes…we used to work much harder than that every single day, just to survive where we came from. Anyway…I know many people who have run into very hard luck because they had one accident or needed medical tests, etc. I’m not trying to put myself or friends and family on the pity pot, here…we appreciate our good fortune and try to share anyway we have been able to…mostly with labor…some money too as possible for us to still keep up wih our own bills…but, I’m just saying you can do everything right and still get accused of being a lazy no good bum if you can’t keep up with our outrageous with health care costs, the worst in the world. By the way, when i worked for a university library up here, they did not acknowledge my college education from a small college in Eastern ky…like I said, they saw us suckers coming up the road when we did. But I think we made it this far by moving away from home when we did. Teenie bopper wages, plus benefits, plus very hard work and frugality to beat the band…lucky to be where we are. Still…I know of many people who have had no such luck, through no fault of their own. I don[t know anybody who wants anything free or undeserved.
April 13, 2018 at 4:18 PM #60192
- This reply was modified 1 month ago by cricket.
Well…I wish I could just delete that post…it sounds angry…it’s not, just outraged…things oughta be better here. Not meaning to sound so bad…lol. There oughta be an American Dream…out there somewhere.April 13, 2018 at 8:13 PM #60196
The real world (as opposed to an artificially contrived, politically exploited world) can be a harsh place to live through the ages historically, especially the world without God.
The Indian tribes in regions of the country, had a practice of dealing with the old folks by moving camp and leaving them abandoned to die alone. This was practised right up to the life time of the grandparents of some folks alive today. Everyone knew all their lives it would happen…to prepare themselves mentally for it. To be fair, their suffering was probably less than a lot of what I’ve seen today in nursing homes.
In the Arctic, when a tribe’s food was running out and it was obvious there wasn’t enough to keep everyone alive till spring, instead of everyone sharing it until it ran out and then everyone starve to death, they would calculate how many could stay alive on what they had, then the rest would head out and go as far away as they could with empty sleds until they perished, in order to save the others. One of the most pathetic accounts I’ve ever heard described how over 100 people comprised this death exodus from a village and what it was like for the families to watch them leave. These were real men, women, & children…that I admire above anything we have today. For them is was a voluntary privilege to sacrifice so that their loved ones could survive and carry on.
If this world is all about developing and building great character in hearts, then that was accomplished in the latter example. There are many great stories concerning this, but the first example dealing with the aged was done away when the Bible came and the adversity changed.April 13, 2018 at 8:15 PM #60197
Testify, Sister!April 13, 2018 at 8:42 PM #60198
Dying ain’t the worst part of it, if that’s what you’re talking about. Plus, if there is technology or knowledge around to give someone a chance to increase their time on this beautiful planet, with their loved ones and things they love to do…or in some cases even give them back a useful and active life, like a couple of my friends who were pretty torn up in wrecks…then, it’s a hard thing to see that it’s there, but not for the people on the wrong side of the tracks…wrong side of the world, whatever. You can see it’s there, but it’s not for you…because you haven’t made it in the material world and are considered ignorant, lazy, freeloader, etc. That’s an evil thing, in my opinion. Kentucky author and historian, Harriette Simpson Arnow said it better than I could ever hope to in her novel, The Dollmaker…not the silly movie version, but the novel. In my opinion, one of the greatest novels ever written. People in civilized countries should not lose everything they worked for because they went to the doctor.
April 13, 2018 at 9:09 PM #60208
- This reply was modified 1 month ago by cricket.
I wish this thread would just go away…lol…it’s not a good topic for online discussion. I feel bad about starting it.April 13, 2018 at 9:33 PM #60210
With “algebra” in the title, people are probably avoiding it like the plague anyway. 🙂April 14, 2018 at 7:25 AM #60213
Good point. I’m still trying to baby step my own way through algebra…I think I’m done discussing our health care system…which is more like playing poker…lol…if you ask me. Tempted to say no thanks to the whole complicated medicare thing…but I’m figuring they throw you in jail if you do that..then it’s sounding more and more like Monopoly…the dreaded game that takes forever. I’m like…raise a tax and then just everybody use it like they use the library…use it if you want and don’t if you don’t want.April 14, 2018 at 8:45 AM #60218
Algebra comes in real handy when I begin to total up the expenses associated with my recent ailments. lol. Back in 2006, my heart attack hospitalization, the four stents and five bypasses came up to $187,800.00. This one catastrophic event could of bankrupted me but for selling my motorhome and 29 of my precious collector-item Browning rifles.
Later on, I caught bladder cancer and have wrestled with that for the past 3 1/2 years and now colon-rectal cancer. I’m simply awestruck at the costs of medical procedures and associated costs.
Thank goodness I have my fiddles and banjos. I’m not selling them to pay down anything!
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