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if it is possible to DROP the health insurance? - FLMT

Posted: Aug 21, 2011

Can anyone tell me if it is possible to DROP the health insurance? I can't make ends meet so I wanted to know if I could drop it and have additional money in my check

I have been wondering the same thing - I feel your pain

[ In Reply To ..]
I am now choosing between buying my meds and buying groceries. I have always been able to work hard and support myself and live a fairly decent middle class lifestyle until the last couple of pay cuts. Very very very depressing.

Buying Meds or Groceries - sarmt

[ In Reply To ..]
I'm also having to choose. My solution was to speak with my physician's nurse and explain about pay cuts. The office kindly provides sample medication and this allows me to buy groceries. So, see if physician will give you samples. This last pay cut is very depressing.

I dealt with that by (a) buying my meds at Walmart, - and (b) explaining my financial - sm

[ In Reply To ..]
situation to my PCP, and what she did was raise the Rx from my regular 100 mg per day to 200 mg per day, regular 90-day supply. Then, I just break the pills in half, file down the sharp edges a little bit with a nail file, and voila - a 180-day supply for the same price.

Thanks for the med suggestions. - I will look into them

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My PCP gives me samples, but hadn't thought about the cutting in half solution. Thanks for the tip!

I would think you could since it's an optional benefit, if you - Kiki

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can actually call what they offer a benefit.

One way to do it if for some reason they won't let you drop it until next May at benefit renewal time would be to drop to 38 hours, thus be considered PT. When I wanted to drop to 35 hours my CCM said I'd lose the health benefits as well as 401k. Big deal on either. If you lose them, they no longer take premiums out of your check.

Kinda scary to not have ANY medical insurance at all though. But I surely understand needing the extra money in the paychecks.

401K - old and burned out

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I am flexible part-time and still have 401K although if you can't afford health insurance you surely don't want money taken out for the 401K.

In my experience - NCMT

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If you think you are struggling to make ends meet now, imagine trying to go to the doctor with no insurance. Paying out of pocket for medical expenses is an extreme financial burden. Not to mention most places don't even take self pay patients anymore. I got my insurance back with MQ. Its better than nothing. Don't do it. You will regret it. I did.

I think you are right. However, MQ's insurance - Kiki

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is probably only a tad better than none at all. I recently had to go to a specialist. I still ended up paying 450 bux for who knows what, still not sure what I learned at that appt. My appointment was 10 minutes long and the "specialist" sat at his computer the entire time (probably typing up the visit report!!!). So bad I wanted to say, "why don't you have an MT do that so you can actually pay attention to ME, you know, the one who is paying you $450 bux.

dropping health insurance - ae

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I signed up for health insurance a few months ago and was told by my CCM that I cannot opt out until next year when insurance open period comes (June).

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