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Lack of health/dental insurance. Unsure what to do.
Mim
dead.Registered User regular
dead.Registered User regular
Wow, again two threads in one week. Anyways this isn't for me (I have good parents who love me) this is for my boyfriend.
Basically Matthew has no medical insurance or health insurance. His father is a retired Navy man (as is my father) who works. A long time ago Matthew asked if he could be covered by his father's insurance so that he could finally get some medical attention (Matt hasn't been under his father's health insurance since he was 15 for some odd reason and his mother never put him on her and her new husband's insurance even when Matthew was under the age of 18 and living with her). His father said that if Matthew was a full time student then he would put him under his plan. Matthew has since become a full time student and when he went to write his father to be put under the plan, his father failed to write back to him for months. Actually, he still hasn't written Matthew back as of today at this very second I'm writing this. His father updated Facebook and keeps in constant contact with Matthew's sister and hsi granddaughter but not Matthew.
Anyways.
Matthew is a full time student and he is also trying to gain employment but the area he lives in currently (Fayetteville, NC) sucks as far as employment goes. Matthew's mother left the country in December, I doubt she has health insurance at the moment and her response to Matthew's situation is basically "Talk with God, he loves you more than I do" (REAL QUOTE). So Matthew is basically living on his financial aid.
Matthew's tooth has been cracking and causing him some serious pain, but alas no dental insurance means he can't go to a dentist. That and his financial aid is supposed to cover his food and living situation and I don't want all of the money to go to his dental work and he end up homeless and without food. He's trying to transfer to where I am where he can get on the University's health insurance but that's going to be a bit.
What are his options? I suggested going to a dental school and letting practicing students work on his mouth for free or low cost but he hasn't found one. He did find one dental office that accepts financial aid but I want to make sure he gets back up. Also, what does he do in a situation he needs to go to a hospital? He's basically screwed and I'm worried and very angry with his parents for basically leaving him high and dry. He's 22, in good health and just having a hard time and just wants insurance.
What's he to do?
TL;DR : Boyfriend is 22, without insurance and with douchebag parents who won't help him. His teeth are in bad shape and it's causing him a severe amount of pain. What can he do till he gets some insurance?
Basically Matthew has no medical insurance or health insurance. His father is a retired Navy man (as is my father) who works. A long time ago Matthew asked if he could be covered by his father's insurance so that he could finally get some medical attention (Matt hasn't been under his father's health insurance since he was 15 for some odd reason and his mother never put him on her and her new husband's insurance even when Matthew was under the age of 18 and living with her). His father said that if Matthew was a full time student then he would put him under his plan. Matthew has since become a full time student and when he went to write his father to be put under the plan, his father failed to write back to him for months. Actually, he still hasn't written Matthew back as of today at this very second I'm writing this. His father updated Facebook and keeps in constant contact with Matthew's sister and hsi granddaughter but not Matthew.
Anyways.
Matthew is a full time student and he is also trying to gain employment but the area he lives in currently (Fayetteville, NC) sucks as far as employment goes. Matthew's mother left the country in December, I doubt she has health insurance at the moment and her response to Matthew's situation is basically "Talk with God, he loves you more than I do" (REAL QUOTE). So Matthew is basically living on his financial aid.
Matthew's tooth has been cracking and causing him some serious pain, but alas no dental insurance means he can't go to a dentist. That and his financial aid is supposed to cover his food and living situation and I don't want all of the money to go to his dental work and he end up homeless and without food. He's trying to transfer to where I am where he can get on the University's health insurance but that's going to be a bit.
What are his options? I suggested going to a dental school and letting practicing students work on his mouth for free or low cost but he hasn't found one. He did find one dental office that accepts financial aid but I want to make sure he gets back up. Also, what does he do in a situation he needs to go to a hospital? He's basically screwed and I'm worried and very angry with his parents for basically leaving him high and dry. He's 22, in good health and just having a hard time and just wants insurance.
What's he to do?
TL;DR : Boyfriend is 22, without insurance and with douchebag parents who won't help him. His teeth are in bad shape and it's causing him a severe amount of pain. What can he do till he gets some insurance?
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Dental work, even the big stuff, is surprisingly affordable given what you would expect from a doctor without insurance. Expect general maintenance to run $70-200 and large scale work to run $500 to $5000 depending on severity. This seems like a lot of money, I know. But when you are paying $50 a month for dental over years,w hen you are likely only to have one major surgery in your life, it's not always the best thing to do.
In your friends case, he might not be able to get insurance with his teeth the way they are. He would have a high premium right off the bat considering his pre-existing condition. I'd suggest contacting local dentists and shop around for someone willing to work with your current situation.
Also, he should check and see if his college's dental school will do reduced-cost work in exchange for letting his mouth be a teaching tool. I've had several friends go that route and they've all been pretty pleased, though it can sometimes be hard to get an appointment.
Unfortunately he is a Community College student. Would they do those types of things at a community college?
Jesus I hate healthcare in this country. So many kinds of screwed up.
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I also don't have medical insurance. I was a member of "Basic Health" for a while. They provide cheap medical and dental coverage.
Currently, I visit a clinic called Sea Mar if I need to see a doctor. I'm also a member of Project Access, which provides free health care to "people" like me and, basically, makes it so all of my fees are waived.
I need to have surgery on a kidney, but don't know what to expect, given that I have no money or coverage. I'll let you know what happens.
Also, I don't think you're allowed to be mad at his parents for not taking care of their 22 year old adult son. That's not their issue.
.............
It's basically like gambling applied to the various faculties of life.
Insurance on the surface works a lot like mafioso "protection." You are paying them off to keep them from burning down your house, and at the same time keeping other gangs from doing the same thing. Only teh house is your pocketbook and the gangs are ridiculously high healthcare costs.
Of course, if there were no gangs in the first place, you wouldn't need "protection" from them to keep them away. That's where the cops come in (aka Healthcare Reform people). The cops want to clean up the streets, but so many of the cops are either bought off by the gangs or have had their families threatened if they move forward, that they are unlikely to ever be able to reclaim the city. Over time, the gangs grew from street thugs to full on yakuza, with shiny buildings and good publicity, even though most people still know they are totally villains and the main problem.
So now, you can either deal with the gangs and get protection, or you can risk the inevitability of having your house burned down.
I'm not expecting them to put a house over his head and feed him and tell him what a good little boy he is. The fact that he hasn't been insured since he was 15, a minor, angers me especially when the type of insurance military families have covers us till we're about 24 if we're in college. I'm upset he did his half to get his insurance and his father basically reneged. So pardon me if I'm upset my boyfriend held up his end of the bargain and got screwed by the man who carries the title "dad". Or that his mother hadn't insured him when he was younger and if she had, maybe we wouldn't even been in this mess because his teeth would be taken care of and he'd be up to date on basic health needs.
No, I'm not expecting them to take care of their 22 year old son. Helping him on the other hand isn't that big of a fucking thing to do. Especially when it comes to the welfare of their offspring and they have the fucking means to do so. They help their 24 year old daughter and buy her things and all he's asking for is insurance while he goes to school and tries to get a job to take care of himself so he'd have one less thing to worry about.
Anyways, to the rest of you in the thread, thank you. We'll keep shopping around and we're okay with the dentist thing as is. I just worry because he's living on $1600 till possibly August, while selling various possessions of his to have extra cash, so I just wanted to find a way to make things easier by getting something for free that's really needed because he's in a ton of pain. I'm glad some of the procedures are cheap and I'll have him drive by the dentist office to see if they do payment plans. If anyone can think of anything else I'm all ears. It just sucks to see him in this kind of position and I wish there was more I could do.
Think about it like a lottery in reverse: you have a pay a really high fee to get into the pot, and then pay it again every month until the day you die, and then you hope you never 'win'. Because in this game, 'winning' means having some kind of horrible, life changing disease or illness for which treatment will ultimately cost dozens of times your annual salary.
And (here's the fun part), unlike the lottery you're almost CERTAIN to 'win' eventually, with the odds increasing dramatically as time goes by. So, you keep paying your $700 a month for 20 years so that when you DO eventually have a heart attack/get cancer/get hit by a bus/etc you can actually get treatment instead of being denied for a cold you had while temporarily unconvered by insurance 9 years prior.
As has been said, it's essentially a protection scam. Except that even if you pay faithfully every time, you'll eventually get your knees broken anyway.