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#11
05-27-2013, 02:33 PM
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Sonja,
Am I missing something? It doesn't really seem like you have medical insurance. It seems more like a catastrophic or umbrella plan to prevent you from going into bankruptcy if you need surgery in the U.S. Gene
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Car Accident 2002 - Small Herniated Disc C3/C4 1998 Larger Herniation and Cervical Fusion C3/C4 2005 Herniation C4/C5 - 40 epidural steroid injections from Oct 2005, - Oct, 2007 2008 - Foraminotomy at C6/C7 on left side Feb, 2010 - Cervical Fusion C4/C5 Dec, 2010 - Lumbar Fusion L3/L5 2013 - Bulge on C5/C6; herniation C6/C7 right side Mar 26, 2013 - Foraminotomy at C6/C7 on right side May 5, 2015 - ADR with Dr Blumenthal of TBI for C5/C6 using Mobi-C 
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#12
05-27-2013, 04:02 PM
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These types of plans are pretty popular, in a way they are what you NYGene stated but at a fairly inexpensive bye-in rate. If young and do not need a lot of medical care they work great because you save quite a bit compared to a more comprehensive plan but have protection if something major happens. If you are disciplined enough to put some money in an interest bearing account for the years that you may have to reach the deductible you would probably be further ahead, especially considering all the things a "great" plan would not pay for like back surgery overseas!
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*9/10: Unstable pelvis & SI joint, sore IT band. Chiro care, I would shift out hours to days after adjust *12/10: PT & chiro *4/11 to 11/11: 5 sessions prolo and 3 prolo w/ PRP *12/28/11 ESI L L4/L5 - 1/13/12 ESI R L4/L5 - 1/24/12 L SI joint capsule - 3/8/12 TPI - 3/23/12 L L5/S1 - 4/11/12 ESI caudal - 5/23/12 TPI - 7/10/12 Facet inj L3/L4, L4/L5, L5/S1 *9/12/12: 30 - DRX9000 *12/21/12 schedule. for L4/L5 fusion-CANCELLED 1/7/13 *7/16/2013: 3 level M6(S1-L3) w/ Dr. Bierstedt
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#13
05-27-2013, 08:37 PM
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Gene, as Patti says its more for catastrophic than anything else. I have been denied insurance because of my back so the only option open to me was the federal governments plan that runs in conjunction with the state of Utah.
It's called 'Federal HIP Utah', unfortunately my premiums and deductibles went up from $323 per mo and $6000 with zero after the deductible was met to $389 and $7000 with 20% after the deductible was met. I turn 60 June 30th so I pretty sure my July payment will go up again. When you can't get insurance you really have no choice. It was ok the last 3 years as I knew no matter how bad I got the max i was out for the year was around $10k, (premiums and deductible) and i usually paid the max because of my back, now...... Still I can't complain, at least I do have insurance of a sort, many don't.
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60 y/o 2001 MRI L4/5 bulge/herniation, Nerve Block L5 2007 MRI L3/4 large hemorrhage L4/5 annular tear/bulge Nerve Block L4/5 Laminectomy L4/5 2008 MRI L4/5 annular tear 2009 MRI L3/4 extruded fragment/bulge/fibrosis/tear Laminectomy L3/4 2010 MRI L3/4 protrusion/extruded L4/5 bulge/protrusion 2011 MRI L3/4 bulge/annular fissure L4/5 bulge/annular fissure L5/S1 bulge 2012 MRI L3/4 protrusion L4/5 bulge Nerve Block L3/4/5 6/5/13 L3/L4/L5/S1 Dr Clavel NO MORE BACK PAIN 
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#14
05-27-2013, 10:35 PM
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Hang in there... Relief is in sight! I'm so happy you are near the day!!!
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50 year old female Rear-Ended in 2009 Disk rupture cervical 5-6 & 6-7 2 level M6 ADR, Dr. Clavel - Oct. 2012 Insurance paid Not a day goes by that without me whispering a silent "thank you" to Dr. Clavel Post Op 2+ years Cross Fit 3-5 times a week Running 5ks
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