Going to be really scarce for a little while.

[Jim]

Originally Posted by Simon

Sloan-Kettering and the Anderson Cancer Center in Texas are so far above the others they may as well both be #1.

I know I have been doing a ton of research since the day Sloan-Kettering was mentioned. And for skin cancer, it really is the best place to be if you have to be at a place like that.

And I really have to hand it to my insurance company. Dealing with the makes me think Michael Moore was full of shit. Our insurance company not only approved this "out of network" huge expense in less than a day but when we started with them, they didn't care about the pre-existing cancer and they even backdated our membership to cover gamma knife surgery.

[RedCherry]

Originally Posted by Jim

And I really have to hand it to my insurance company. Dealing with the makes me think Michael Moore was full of shit. Our insurance company not only approved this "out of network" huge expense in less than a day but when we started with them, they didn't care about the pre-existing cancer and they even backdated our membership to cover gamma knife surgery.

Welllll having tried to switch insurance companies and got denied with two different insurance companies due to pre existing very mild asthma, Michael Moore isn't full of shit on most companies.

May I ask who you are with? Maybe I can get a quote from them and save us some money. MadHatter and I pay alot for ours and to get our rates as low as they are we have a 5,0000 deductible a peice.

And good luck to you and your wife, she has been in my prayers for awhile. I'm so sorry that is happening to you.

[Jim]

Originally Posted by RedCherry

Welllll having tried to switch insurance companies and got denied with two different insurance companies due to pre existing very mild asthma, Michael Moore isn't full of shit on most companies.

May I ask who you are with? Maybe I can get a quote from them and save us some money. MadHatter and I pay alot for ours and to get our rates as low as they are we have a 5,0000 deductible a peice.

And good luck to you and your wife, she has been in my prayers for awhile. I'm so sorry that is happening to you.

I think the problems come from people getting insurance on their own without a group. All local chambers of commerce offer health insurance. And when you get it from them, you are considered an employee. The only information the insurance company asked for after I paid our chamber $100 to join was Name and SSN.

If you join alone, insurance companies can charge you any amount they choose and even have a $5000 deductible. To do that to you while you are in a group, they have to charge the entire group the same.

I would love for everyone to be able to use our insurance company but it's only available to people in Central New York.

[docholly]

Originally Posted by Jim

I think the problems come from people getting insurance on their own without a group. All local chambers of commerce offer health insurance. And when you get it from them, you are considered an employee. The only information the insurance company asked for after I paid our chamber $100 to join was Name and SSN.

If you join alone, insurance companies can charge you any amount they choose and even have a $5000 deductible. To do that to you while you are in a group, they have to charge the entire group the same.

I would love for everyone to be able to use our insurance company but it's only available to people in Central New York.

Is that NY apple or something like that??? I remember we had them (or something apple related in the name) and they were excellent. We had 2 employees and multiple family members and it was still fairly resaonable. .

RC: One of my son's friends is in the biz here and swears he can get me a great policy at reasonable rates. It remains to be seen. However our only pre-existing condition is fat. Who knows how that might effect our deductible/monthly payments. If it's any good i'll email you. I think NV is one of the few states that has no uninsured pool and offers a state policy.