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jclookey

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  1. On your first issue, you are kidding?? You have a job with health insurance benefits, be grateful for both. On your 2nd issue, as I understand it you are concerned about paying a net $73.94 bill to a presumably well qualified Dr. who took care of your sick child?? The time he spent with her is not the cost factor, it is the years and years that it took him to become QUALIFIED to treat and diagnose her. I hope she is well now and I suggest you count your blessings. as to #3, you are living in a dream world if you think that ANY private health plan would be better or cost less than the WORST group plan. 1.) the point was that due to location I'm getting screwed and paying much more than others for much less coverage... if your bitter don't respond or go elsewhere please 2.) no the bill was for 106... guess you didn't read that well... 30.03 was adjusted off the 140... the ER bill I have from a few weeks before was for only 90 and frankly 106 for 5 mins for this area is very excessive... I have friends in Beverly hills that told me a level 4 visit (which is what this was considered because he had to write a script) only costs 140 there With OUT insurance... the big point was that the charges for this area aren't correct.... and that he is charging more than the ER does... and the ER had to give me 2 shots and a 2 scripts and still only cost 79 dollars... it is a matter of comparision! 3.) it never hurts to ask... again if your bitter go elsewhere.... it was a question... no need to be grumpy to people.... very nice welcome here... no wonder it seems like the activity here is a minimum.... too many grumpy ***es responding to questions Cheers and Kudos for being a real winner! You are the one who needs to go elsewhere. Why Chat has helped more people than you've even met in your short life. This forum is not about getting health insurance. You are in the wrong place, and your idea that health insurance should pay everything is mistaken. Get a clue. do me a favor and delete my account... the point was the TONE of the reply... I did in fact say that i knew 1 and 3 didn't fit and that 2... an idea how to get a reduction in the bill was the point and i just threw the other 2 in for toughts.... also the point about number 1 was that it is a crock that a company of that size not offer both choices only about 65 miles away.... geographic exclusion considering there is a different branch of the company w/in 10 miles and they have access to the preferred.... anyways as I said delete my account... it appears that people here are anything but friendly.
  2. On your first issue, you are kidding?? You have a job with health insurance benefits, be grateful for both. On your 2nd issue, as I understand it you are concerned about paying a net $73.94 bill to a presumably well qualified Dr. who took care of your sick child?? The time he spent with her is not the cost factor, it is the years and years that it took him to become QUALIFIED to treat and diagnose her. I hope she is well now and I suggest you count your blessings. as to #3, you are living in a dream world if you think that ANY private health plan would be better or cost less than the WORST group plan. 1.) the point was that due to location I'm getting screwed and paying much more than others for much less coverage... if your bitter don't respond or go elsewhere please 2.) no the bill was for 106... guess you didn't read that well... 30.03 was adjusted off the 140... the ER bill I have from a few weeks before was for only 90 and frankly 106 for 5 mins for this area is very excessive... I have friends in Beverly hills that told me a level 4 visit (which is what this was considered because he had to write a script) only costs 140 there With OUT insurance... the big point was that the charges for this area aren't correct.... and that he is charging more than the ER does... and the ER had to give me 2 shots and a 2 scripts and still only cost 79 dollars... it is a matter of comparision! 3.) it never hurts to ask... again if your bitter go elsewhere.... it was a question... no need to be grumpy to people.... very nice welcome here... no wonder it seems like the activity here is a minimum.... too many grumpy ***es responding to questions Cheers and Kudos for being a real winner!
  3. So unlike penfed there is nothing other than a refi for those of us who are on time and didn't buy above our head.... sucky!!! Basically I got hosed by my mortgage broker because I was in a tight spot... she didn't bother responding to me on rates when I asked many times for a lock in rate for the day... she finally managed to tell me what they were when I HAD to lock in... (or else I would have missed my closing window)... and I ended up w/7.125 (would have been 7.25 but the rates dropped day of closing and the bank buying the loan called the lawyer and told him to redraw it at 7.125).... anyways I would really and truly love to drop into a 4.75 or 4.5... or even 5 for that matter.... Anyone know of a bank that will refi w/less than 6 mos or a year of seasoning... I closed last Nov!
  4. I'm curious if an expert or at least someone that knows more than me can give me some guidance on this... Basically I'm looking for thoughts on would you expect me to get approved, if so with what limit. Right now 1 CC over 80% util 690+/-10 Fako 75k HHI Total CLs ~47.5k Utilization ~37% Debt to income ~33% If anyone wants anymore info please let me know... I basically don't want to apply if I have no chance of approval since I'd like to refi my mortgage down from the 7.125% that I got screwed on.
  5. Hi all, First post here but right now medical bills are killing me. I work for one of GE's branches (no not capital thank god!), My family moved to a different state last september and lost the good insurance... GE offers a Preferred and a GEMB, the GEMB which i have now is deductible based SHI* and I mean SHI*.... I've already spent more out of pocket this year than in the 3 years prior combined. Do I have any way to get them to offer the Preferred in my area so I can go back to having a nice small 10-50 dollar copay not a 375/person deductible then only 80% on everything other than complaining to corporate and hoping? 2nd issue. My 2 year old daughter went into her PCP recently on a "sick child visit" she had a double ear infection, he saw her for about 3.5 minutes.. I received a bill recently for 106.97, ins adjusted off 33.03 and paid nothing (her deductible hasn't been met yet) For the area I'm in These charges are completely unreasonable... we lived near a fairly expensive City last year and her Dr was in that City and that phy's charges were much less to start (going off from explination of benefits sheet)... how should I go about getting them to lower... already called and asked for a "pay in full" discount to no avail. 3rd... my health plan sucketh mightily the copay version was great... and much cheaper per pay period, so much so I am considering buying my own... any recommendations. OK I will say that I know 2 of these questions don't really apply here but at least number 2 does and I figured I'd throw out 1 and 3 while I was at it to see if anyone has any thoughts.

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