Sarena_WE
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Peeps with no Health Insurance...question for you
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So I am in a bit of a conundrum in that I am trying to quit my job but I am the health insurance provider for the entire family. I applied for individual coverage with a couple of outside companies and they approve it for BT and the kids but reject me because of the pre-existing conditions BS. I wish they would give me an option for a rider that excludes any treatment related to those conditions (which have all been resolved but apparently that doesn't matter) for say a year. Usually this is an option but they just flat out refuse to cover me. Sadly any and all of my health issues that I do have seem to be related with my work environment. I first started getting sick a month or two after I started working here and have noticed that the few times I took an extended vacation, I felt fine after a few days. I am so tired of being in pain and feeling miserable and I hate the job that it only makes sense to quit. I want to go back to school anyway so this would be the ideal time to do so.
In any case, what options are there out there for peeps with no health insurance when it comes to routine wellness care. Overall all of my doc appts have shown that I am as healthy as a horse (whatever the heck that really means) but I do get the occasional sinus infection or like recently, I had a bout of strep throat. Do you just go to a quick care place? Are there other health coverage options I am not thinking of? Meh. With my luck I will end up with some rare cancer the day after my coverage stops from work...sigh.
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Onslaught.
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Peeps with no Health Insurance...question for you
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=|
This is surreal.
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Cuttlery
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Peeps with no Health Insurance...question for you
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Cant you get coverage through like the VA or USAA
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JD_HOGG
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Peeps with no Health Insurance...question for you
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Hold tight for Obamacare to kick in.
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Ptilk
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Peeps with no Health Insurance...question for you
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Under HIPAA, you can not be denied health insurance coverage due to pre-existing conditions if get a new job (that offers health insurance to its employees) or attend a school (that offers health insurance to it's students) and apply for that insurance within 60 days of leaving your old plan, as long as your previous plan covered you for at least 1 year.
Since you have the right to COBRA your coverage from your current plan for up to 18 months, you can leave your job and keep your current insurance for that long....although it is going to cost a lot more. You do not have continue family coverage under COBRA, you can elect to continue coverage just on yourself and buy a private plan for the rest of the family.
So you could keep your current coverage for the next year and a half after leaving work, and then when you attend school or find another job (that offers health insurance) you can not be blocked from obtaining it due to pre-existing conditions.
Finally, pre-existing condition denials are illegal starting Jan 1, 2014. So you actually wont have any problem with them in another 5 months.
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Sarena_WE
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Peeps with no Health Insurance...question for you
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Cuttlery posted:
Cant you get coverage through like the VA or USAA
Nope, we have no VA coverage except for his knee.
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Sarena_WE
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Peeps with no Health Insurance...question for you
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JD_HOGG posted:
Hold tight for Obamacare to kick in.
Can't wait 2 years for that BS.
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Ah-Schoo
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Peeps with no Health Insurance...question for you
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Onslaught. posted:
=|
This is surreal.
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Opinion = fact. Anecdote = proof. Political label more important than either of those.
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Ptilk
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Peeps with no Health Insurance...question for you
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NM...my post above is better
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Sarena_WE
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Ptilk posted:
Under HIPAA, you can not be denied health insurance coverage due to pre-existing conditions if get a new job (that offers health insurance to its employees) or attend a school (that offers health insurance to it's students) and apply for that insurance within 60 days of leaving your old plan, as long as your previous plan covered you for at least 1 year.
Since you have the right to COBRA your coverage from your current plan for up to 18 months, you can leave your job and keep your current insurance for that long....although it is going to cost a lot more. You do not have continue family coverage under COBRA, you can elect to continue coverage just on yourself and buy a private plan for the rest of the family.
So you could keep your current coverage for the next year and a half after leaving work, and then when you attend school or find another job (that offers health insurance) you can not be blocked from obtaining it due to pre-existing conditions.
Finally, pre-existing condition denials are illegal starting Jan 1, 2014. So you actually wont have any problem with them in another 5 months.
I'll have to see how much the COBRA would cost on just me, that might be an option. I assumed it was for the same coverage you had when you left. Then again if it is $800 or more there is no way, like I said, I am healthy and this would just be for 6 months or so, at that time I could apply for a policy through the state here. They just won't cover anyone that has had insurance for at least 6 months. I'll have to see if the school has an insurance policy still and what kind of credit load is needed to apply. This is all leading up to us possibly moving sometime in the next 6-8 months so I am not planning on getting another job. Getting the house cleaned out and fixed up will be my "job". Thanks for the input.
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Tipztoe
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Peeps with no Health Insurance...question for you
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what's the pre-existing condition?
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Ptilk
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Just an additional note, if you plan on using the PCIP option (with the 6 month without insurance waiting period)....if you chose to COBRA your insurance, the 6 month waiting period might not be fulfilled till after your COBRA eligibility has expired for 6 months. Not till 6 months after you drop the coverage. That could mean up to 2 years from the date you start utilizing COBRA. Which is really crappy and a stupid. Depends upon your state. That is only true in a few of the states that aren't part of the federal PCIP pool.
23 states are part of the pool and it is not true in any of them and will never be. Not sure where you live but you can look up which states are part of the federal pool easily, be a bit harder to find out if this is a problem if your state is not one of them.
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Sarena_WE
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Tipztoe posted:
what's the pre-existing condition?
Not sure WHICH is the problem. Haven't had a chance to talk to them since I got the rejection as they are EST and I am trying to discreet about it here at work. As for the possibles, I had a benign cyst removed from the r breast but all post op MRIs were clear. I saw a chiro a couple times because of back spasms from sitting at this stupid desk all day but I think the kicker is when I had the brain surgery back in 08. Ironically it was to help with the issues I was having that started after I began working here in 07. I had been diagnosed with a minor Arnold Chiari Malformation (lower part of the brain is smooshed into the spinal column) and while docs really didn't think that was the cause of my issues I had the surgery anyway just to make sure. I felt GREAT for a month or so after the surgery but after a about 2 weeks at work, symptoms started up again (see a pattern?). Neurosurgeon gave me the all clear and MRIs are showing no issues whatsoever. It's not stress related either. When I went back east to take care of my dad's estate after he died I was an emotional wreck but physically felt like 100 bucks. Stress doesn't seem to have any affect on the symptoms other than I get crabby but...that is what stress does LOL. I'm so tired of docs saying "it must be anxiety". Any ACFers that have met me know I am not an anxious person. I'm about as laid back as they come short of being a stoner.
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Mangler_SC
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Doctors accept gold.
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TickyAtack
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Healthy as a horse just means next time you hurt your foot they're gonna have to put you down.
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Sarena_WE
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TickyAtack posted:
Healthy as a horse just means next time you hurt your foot they're gonna have to put you down.
Well as long as they make some use of me afterward such as for glue or dog food I'm fine with that.
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TickyAtack
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Peeps with no Health Insurance...question for you
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Sarena_WE posted:
TickyAtack posted:
Healthy as a horse just means next time you hurt your foot they're gonna have to put you down.
Well as long as they make some use of me afterward such as for glue or dog food I'm fine with that.
Sarena glue is the next big product in 2012, and it's sure to stick around.
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Velvet_Ice
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You guys moving to another place in Vegas or changing states?
If you are not opposed to taking a little trip south of the border you can take care of those sinus infections all your own. For real cheap too.
Sucks about the pre-existing stuff. I hope it all works out for you!
Also, you might be allergic to something in the office. I worked a temp job for a place where I was fine until I got into the office and then I would stay all day sneezing and feeling like crap. I would go home and within a couple of hours everything was fine again. I had to quit the temp job because I was allergic to their office.
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Cuttlery
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Peeps with no Health Insurance...question for you
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Sarena_WE posted:
TickyAtack posted:
Healthy as a horse just means next time you hurt your foot they're gonna have to put you down.
Well as long as they make some use of me afterward such as for glue or dog food I'm fine with that.
Soylent Green
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Silverwuf
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That's so messed up, Sarena. Good luck to you.
Silver
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AgzntOrange2
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No matter what you do do not let 61 days elapse between policies or you will be straddled with preexisting clause.
What I used to do is just get a hospital only plann to cover me through the gaps time and that satisfied the preexisting BS.
IE Blue cross Hospital only plan or something with obscene deductibles but low premiums that you could never use.
Cobra is extremely expensive.!
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silvadel2
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It all depends on your financial situation...
Not having health insurance means:
1) You get to choose which doctors you see and you can negotiate with hospitals etc over bills -- NEVER pay full -- they never get full from insurance companies so their base rates are massively inflated. If you are not getting at least a 33% and more likely 50% or higher cash discount -- walk.
2) You get to choose which tests etc you get as opposed to doing what is mandated by "the system." Hence if they want to expose you to more radiation in a defensive medicine thing where there is a 0.1% of them finding something at best, you can say no.
3) You WILL have to pay $5,000 medical bills at some point. You will be paying $100+ for a doctor visit. You will be paying a lot for anything they prescribe drugwise. Overall it will be less in total than the amount you would pay for health insurance by a significant amount -- assuming #4 does not happen.
4) You have NO safety net if catastrophy happens. IE Lets say you have a heart attack and end up with a $300,000 medical bill... While you could negotiate that down to say $200,000 -- it still would have to be paid. From what you have said this is an unlikely situation but could happen. If it does happen what assets you have determines if it is worth the risk.
4b) If you have no real assets then the co-pays on the insurance on a #4 event probably would have taken you to medical bankruptcy anyway. The difference being with the insurance you would end up on a payment plan and without insurance it will be so far beyond you that they will end up wiping it out. If you have a LOT of assets then you potentially get better care paying for it yourself, and you can deal with it. It is in the middle where problems happen. If you have $100,000 in assets then a $30,000 bill with insurance doesnt demolish you but a $200,000 bill without insurance does. In this case a catastrophic policy might be your best bet.
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Anebriated
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Sarena_WE posted:
Tipztoe posted:
what's the pre-existing condition?
Not sure WHICH is the problem....
you should be a phone harpy and find out exactly what got you rejected. as skeptical person i would venture that there might be a reason why they don't offer the information voluntarily and why it could mean hours of phone time to find it out. sounds to me exactly like a company policy banking on the fact that most people aren't going to be persistent harpies and investigate it themselves.
as for your continuing health problems and their connection to your work i have similar advice- investigate!. I don't know what your issues are but i would treat it as if it was a migraine. often a migraineur's environment or life situations are 'triggering' their migraines but in other cases it seems to be following its own rhythm or cycle. if you make a journal that documents your pain or whatever along with what's goin on you might be able to see a pattern. then you have a document to show the next doctor that indicates that your problem is either dependent or independent of your environment. 'stress' is probably like a stereotypical response that is true for 99% of people or something. find a doctor who is willing to entertain the notion that you are the 1% and try to prove it to him with your journal!~
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Peeps with no Health Insurance...question for you
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Onslaught. posted:
=|
This is surreal.
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Motar98
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i haven't had medical insurance for 9 yrs, also happens to be how long it's been since i've seen a doctor. if something happens and you need to see a doctor, you go to the emergency room, make up an alias and do your best mexican accent
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suntzukali2
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new health care laws do something about preexisting conditions I dont know what they are or when they take affect though.
You could just wait around and let the free market take care of it.
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-Rando-
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Motar98 posted:
i haven't had medical insurance for 9 yrs, also happens to be how long it's been since i've seen a doctor. if something happens and you need to see a doctor, you go to the emergency room, make up an alias and do your best mexican accent
So you want me to pay for your healthcare?
Socialist.
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suntzukali2
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http://www.aarp.org/health/health-care-reform/info-11-2010/hcr_explained_preexisting_conditions.html
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The ultimate end of all revolutionary social change is to establish the sanctity of human life, the dignity of man, the right of every human being to liberty and well-being. Emma Goldman self portrait http://img.photobucket.com/albums/v375/xyzzy11686
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suntzukali2
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Motar98 posted:
i haven't had medical insurance for 9 yrs, also happens to be how long it's been since i've seen a doctor. if something happens and you need to see a doctor, you go to the emergency room, make up an alias and do your best mexican accent
This is why we had to have the new healthcare laws 
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The ultimate end of all revolutionary social change is to establish the sanctity of human life, the dignity of man, the right of every human being to liberty and well-being. Emma Goldman self portrait http://img.photobucket.com/albums/v375/xyzzy11686
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FineYoungCannibals
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i hope things work out for you Sarena
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Mike_the_Red_MT
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Peeps with no Health Insurance...question for you
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Onslaught. posted:
=|
This is surreal.
How so? 
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Mike_the_Red_MT posted:
Onslaught. posted:
=|
This is surreal.
I must obviously be retarded?
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Onslaught.
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Peeps with no Health Insurance...question for you
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Mike_the_Red_MT posted:
Onslaught. posted:
=|
This is surreal.
How so?
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Sarena_WE
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Peeps with no Health Insurance...question for you
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Anebriated posted:
Sarena_WE posted:
Tipztoe posted:
what's the pre-existing condition?
Not sure WHICH is the problem....
you should be a phone harpy and find out exactly what got you rejected. as skeptical person i would venture that there might be a reason why they don't offer the information voluntarily and why it could mean hours of phone time to find it out. sounds to me exactly like a company policy banking on the fact that most people aren't going to be persistent harpies and investigate it themselves.
as for your continuing health problems and their connection to your work i have similar advice- investigate!. I don't know what your issues are but i would treat it as if it was a migraine. often a migraineur's environment or life situations are 'triggering' their migraines but in other cases it seems to be following its own rhythm or cycle. if you make a journal that documents your pain or whatever along with what's goin on you might be able to see a pattern. then you have a document to show the next doctor that indicates that your problem is either dependent or independent of your environment. 'stress' is probably like a stereotypical response that is true for 99% of people or something. find a doctor who is willing to entertain the notion that you are the 1% and try to prove it to him with your journal!~
I have a journal and I have taken it to all of my docs however when they run tests associated with the symptoms, everything comes back negative. It's something affecting my nervous system which is why I have a feeling it may be related to my workstation area. I had a $700 allergy panel done that covered just about everything under the sun and it came back all negative. There is a power line run directly under my desk and I am wondering if it wasn't shielded properly. The guy in charge of construction for this building was convicted of fraud, embezzlement and a bunch of other shady dealings and he had pocket contractors which gave him kickbacks so who knows where they skimped. In any case, I need the time to take care of my family, fix up the house, get stuff sold and over all just get out of this dead end job so me finding the answer isn't really a high priority. I just refuse to bankrupt my family over the fact that some bureaucratic BS keeps me from being insured when I am willing to pay the premium (within reason). I'm going to call them, I just have to figure out a time to get away from my desk to do so. I have ZERO privacy where I work.
Velvet, we are looking at moving back east to where his family is. I've thought about the south of the border deal but once again, I need connections as it can often backfire if you just randomly pick El Doctoro. I have a deviated septum but have had that since I was 7. Most of my sinus issues are from the dry climate here. The whole situation is hopefully not going to take more than 8 months so I was just hoping to have coverage for that time period.
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Chogram
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Subject:
Peeps with no Health Insurance...question for you
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COBRA is horribly expensive.
But if you don't sign up for it, you'll wish that you had.
edit: Doesn't BT's employer offer any insurance?
You losing your insurance counts as a "life changing" event for him to open enrollment back up and sign you all up...
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Mike_the_Red_MT
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Peeps with no Health Insurance...question for you
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Onslaught. posted:
Yeah, whatever recent post I missed that you're eluding to...
Well, I missed it.
Was there a post where Sarena made fun of people who pay for health insurance or something?
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Sarena_WE
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Chogram posted:
COBRA is horribly expensive.
But if you don't sign up for it, you'll wish that you had.
edit: Doesn't BT's employer offer any insurance?
You losing your insurance counts as a "life changing" event for him to open enrollment back up and sign you all up...
They have one that costs more than COBRA and has crappier coverage so...yeah, no thanks. He's a contractor and the reason he gets paid as much as he does is because they don't have retirement/insurance bennies as part of his contract.
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Terminius_Est
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I think your employer must lay you off before you can get COBRA benefits. It's very expensive too.
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Sarena_WE
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Terminius_Est posted:
I think your employer must lay you off before you can get COBRA benefits. It's very expensive too.
I was thinking something similar and I know it is expensive. I think it was around $700ish when I got RIF'd from my last job and that was just for me...
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HeartView
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Sarena_WE posted:
Terminius_Est posted:
I think your employer must lay you off before you can get COBRA benefits. It's very expensive too.
I was thinking something similar and I know it is expensive. I think it was around $700ish when I got RIF'd from my last job and that was just for me...
It's at full cost, so it includes your contribution as well as your employer's.
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silvadel2
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$700 is about right -- That is why if you even have a $5,000 "experience" every other year, you are way ahead. The thing is you have to be willing and able to write that check...
Actually this is why they created medical savings accounts.
You can throw $3,050 pre-tax dollars annually into one... Do it.
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Gaevren
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The only thing I hate about those health savings accounts is they're a "use it or lose it" deal. If you don't use every penny in there during the year, then the money is just gone. It doesn't roll over to next year, you don't get it back with taxes taken out, it's just GONE.
This is the first year I've ever put any money into a health savings account, because this is the first year that I know FOR SURE we will need to spend enough to make it worth it. Between one prescription med, glasses for 2 girls, and a new baby coming this year, yeah definitely. Even with all of that I only put $650 into the HSA, after calculating co-pays and whatnot.
But as a "just in case?" F that. Put it into a regular savings account. At least that way you don't risk losing $3k in a year because you didn't have a health emergency/issue.
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silvadel2
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That is utterly wrong -- it does definitely roll over. It can be withdrawn with penalties.
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Dark_EternalFF
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Subject:
Peeps with no Health Insurance...question for you
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Mike_the_Red_MT posted:
Onslaught. posted:
Yeah, whatever recent post I missed that you're eluding to...
Well, I missed it.
Was there a post where Sarena made fun of people who pay for health insurance or something?
He's pointing out that she's married to BT, who, well...I think we all know.
I still feel for her, though. Crappy situation...but I'm extremely glad I have no idea how to answer her questions about the subject.
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Max Fox (AC), Zygran (WoW, SWTOR) "We poison our air and water to weed out the weak! We set off fission bombs in our only biosphere! We nailed our God to a stick! Don't fk with the human race!" DE/Mr Pants 2012
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Gaevren
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silvadel2 posted:
That is utterly wrong -- it does definitely roll over. It can be withdrawn with penalties.
You're right- I was thinking of the flex spending accounts, not medical savings accounts. The flex accounts do NOT roll over, but the others will.
From http://www.irs.gov/publications/p969/ar02.html#en_US_2010_publink1000204190
Flexible spending accounts are “use-it-or-lose-it†plans. This means that amounts in the account at the end of the plan year cannot be carried over to the next year. However, the plan can provide for a grace period of up to 2½ months after the end of the plan year. If there is a grace period, any qualified medical expenses incurred in that period can be paid from any amounts left in the account at the end of the previous year. Your employer is not permitted to refund any part of the balance to you. See Qualified HSA distribution and Qualified reservist distribution , earlier.
....
An HSA is generally exempt from tax. You are permitted to take a distribution from your HSA at any time; however, only those amounts used exclusively to pay for qualified medical expenses are tax free. Amounts that remain at the end of the year are generally carried over to the next year (see Excess contributions, earlier). Earnings on amounts in an HSA are not included in your income while held in the HSA.
HSAs are only available to people with high deductible health care plans, but MSAs (same thing different name looks like) are available to self-employed, or people under very small employers. I don't know if you could just sign up for one on your own.
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Jezza_Belle
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I'm not sure if it's an option for you, but there are employers out there that give benefits for as little as 20 hours worked (Alltel was one of them that I know of), my thinking is that maybe you can work part time to keep insurance and still go to school. Even if you're stuck working customer service or whatever for that time, it would be better than going without insurance.
I do not have Cobra insurance any longer, it was just too expensive even with the 65% subsidy that they had back then. My company had really expensive insurance, and I'm not sure why it was so much since it certainly wasn't a "Cadillac plan", but it was going to be $1500 a month to cover myself and kids. just me with the subsidy it was still $270 a month I think.
I currently use a sliding scale clinic, pay $25 a visit and have to pay for labs, but they're cheaper than most. For anything beyond primary care I have to wait for them to have an opening in a charity care slot before I can see the other doctor, which can take months.
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Hardcore_Hibby
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I don't have insurance right now being that I am a full time student and only work part time at the hospital.
I'm going to school for Ultrasound, i do X-ray right now at the hospital, and if I were to get sick, i couldn't even go to the hospital I work at...
My advice is don't get sick, it's a crap shoot, but hope for the best.
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Mike_the_Red_MT
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Peeps with no Health Insurance...question for you
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Dark_EternalFF posted:
He's pointing out that she's married to BT, who, well...I think we all know.
I still feel for her, though. Crappy situation...but I'm extremely glad I have no idea how to answer her questions about the subject.
Who what?
Doesn't believe in socialized health care? What does that have to do with Sarena not being unable to find PAID health insurance?
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Ah-Schoo
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Apparently the point that Onslaught was alluding to eludes you.
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purplehugmonkey
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Generally I will just go to a sliding scale clinic, but drugs and everything tend to be full cost unless they have samples. The appointments are also still expensive.
If you've had serious problems in the past, you may want to shop around for someone that will insure you after a year for the PEC and at least get catastrophic coverage with a high deductible for anything else. COBRA was so ridiculous in my case that it wasn't even an option when I stopped working. Like 650 or 700/month and I never even used the policy while I had it, and it had a 5k deductible for almost everything anyway.
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Anebriated
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dear so and so,
we have reviewed your medical history and looked at an actuary table and decided the odds aren't in favor of you being profitable. good luck getting insurance! this data i'm looking at now says you are probably gonna need it, lol.
-signed mr. insurance.
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BritonGuy
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Peeps with no Health Insurance...question for you
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Sarena_WE posted:
JD_HOGG posted:
Hold tight for Obamacare to kick in.
Can't wait 2 years for that BS.
Good because if a Republican gets elected you'll be waiting a lot longer.
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_Gimpzilla_
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The free market will solve everything (you will go bankrupt and die).
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you're the diet coke of evil, just one calorie, not "evil" enough.
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-Foxy-
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Peeps with no Health Insurance...question for you
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2 things. i most likely missed the answers already
1) is there no way bt can get coverage thru his job for you?
2) go to school and get it thru them as a student?
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Sgian_Dubh
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Anebriated posted:
dear so and so,
we have reviewed your medical history and looked at an actuary table and decided the odds aren't in favor of you being profitable. good luck getting insurance! this data i'm looking at now says you are probably gonna need it, lol.
-signed mr. insurance.
lol.
But it's the free market, so it's good.
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zthar
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HeartView posted:
Sarena_WE posted:
Terminius_Est posted:
I think your employer must lay you off before you can get COBRA benefits. It's very expensive too.
I was thinking something similar and I know it is expensive. I think it was around $700ish when I got RIF'd from my last job and that was just for me...
It's at full cost, so it includes your contribution as well as your employer's.
Cobra can be taken no matter what the reason for leaving (you don't have to be laid off.)
Right now the Insurance business is refusing lots of people, and for you its your age, gender and past medical issues enough that they think you're too high a risk.
You can get Insurance once you're in school but it will only cover you so you may have to eat the cost of Cobra till you can get that then have BT and the boys get a regular policy.
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AynRand
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If you go back to school, they offer health insurance a really cheap rate. Grant it, it doesn't cover much but it's good in a catastrophic condition.
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-Ducky-
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There are low-cost clinics in my community (and others). They are often subsidized through government funding in some form or fashion, but I'm sure not if that's always the case. Usually they are like $20 for a walk in basic visit (sinus infection, earache, etc) nothing that would take x-rays or specialist.
Blue Cross and Blue Shield had an emergency only plan when I was looking. I think it was like $50 a month with a high deductible, but it would help cover that catastrophe. I ended up going with a temporary 90 day plan that was $100 a month until my work benefits kicked in. It had a prescription discount plan. However, I didn't use it for my Urgent Care visit because it was cheaper to pay cash and wouldn't have made a difference since the deductible was so high.
Your state might also have cheap plans that are sometimes partially subsidized depending on income. This might not be something that is right for your family, but in Florida you can get health/dental insurance for your child from $10-$150 a month depending on your income through a state program. Maybe you can piece something together from a few different providers to get the best deal for your family.
Posts like this make me want to move back to Canada. It is really sad that someone is limited in pursuing their life dreams/bettering themselves because of a lack of healthcare options Sorry you are in this position Serena, I hope you find something.
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Lynea
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I just went from April to November without insurance after having insurance steadily since I was 17. For the first time in years I had to go to the ER and it cost over $8k. Makes me wish I lived in Canada.
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notmforce2k
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Mike_the_Red_MT posted:
Doesn't believe in socialized health care? What does that have to do with Sarena not being unable to find PAID health insurance?
You're the only one making those connections. It has nothing to do with socialized care and everything to do with Obama specifically trying to stop the denial of coverage due to preexisting conditions, which is happening here and which he was demonized by the right for trying to do.
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Dark_EternalFF
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notmforce2k posted:
Mike_the_Red_MT posted:
Doesn't believe in socialized health care? What does that have to do with Sarena not being unable to find PAID health insurance?
You're the only one making those connections. It has nothing to do with socialized care and everything to do with Obama specifically trying to stop the denial of coverage due to preexisting conditions, which is happening here and which he was demonized by the right for trying to do.
GOD YOU RUIN EVERYTHING
I SWEAR TO GOD THE OTHER DAY I WAS HAVING SEX AND I THOUGHT OF YOU AND MY BONER FKING DIED
JFC
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sorry this is america either you're rich or its kill or be killed
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Mike_the_Red_MT
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notmforce2k posted:
You're the only one making those connections.
You're certainly right about that, because I might be the only one who doesn't have enough emotional or maturity issues to misinterpret Sarena's post as something BT had anything to do with.
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TickyAtack
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Sarena is married to BT?
holy ****, does he know they're gonna put her down?
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i, ticky.
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FineYoungCannibals
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.
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FYC
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Peeps with no Health Insurance...question for you
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FineYoungCannibals posted:
.
Brilliant
-----signature-----
. Mangler had an accident on the way home from the liquor store. He was run off the road and crashed into a woman's clinic. It was one giant Pabst smear. -Bou_Te . Soylent CLiKK -- It's PEEEEEOPLEEE
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Onslaught.
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Subject:
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This one is an eye roller. Not because Sarena got stuck in one of her husband's trolls, but because my cousin doesn't catch the irony.
I'll spell it out...
BT's belief (when trolling) is that there is no exception to anything. He believes in a very black and white world. It's obviously a very fictitious world that he's created to troll with, but it's real for him now because his wife isn't part of his troll.
The fact that his wife has fallen in to the grey area that his troll doesn't believe in?
That's surreal.
I'm of a very libertarian mindset, but I recognize grey areas and the need to help those that fall in to them, if it's momentary. Come on, man... No, I think she deserves to be able to buy her insurance. No BT's silly antics don't need to bring grief to her on this forum. It's just the type of situation that BT denied existing for so long. It's irony. An unfortunate outlier. Something that that shouldn't be, but is.
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Mike_the_Red_MT
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You know what? It's not even worth it anymore.
-----signature-----
!Mikethered Music/Radio Activist I only troll the trolls.
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Ah-Schoo
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Mike_the_Red_MT posted:
You know what? It's not even worth it anymore.
Defending an obvious troll?
Took you long enough.
-----signature-----
.
Opinion = fact. Anecdote = proof. Political label more important than either of those.
Welcome to ACF, where debate goes to die.
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"fascist totalitarian secular progressive Zionist intellectually challenged Christian puppets." - Aerlinthina
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TickyAtack
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I don't know about you, but I only troll the trolls.
It's in my sig.
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i, ticky.
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Ah-Schoo
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hey me too.
-----signature-----
.
Opinion = fact. Anecdote = proof. Political label more important than either of those.
Welcome to ACF, where debate goes to die.
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"fascist totalitarian secular progressive Zionist intellectually challenged Christian puppets." - Aerlinthina
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Itab
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Subject:
Peeps with no Health Insurance...question for you
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Sarena_WE posted:
JD_HOGG posted:
Hold tight for Obamacare to kick in.
Can't wait 2 years for that BS.
You mean the BS that would serve your interest? 
-----signature-----
I'd suck a fart out of your ass and hold it likea bong hit. --- cumbat_mage_sc Kasta Magier says, "SLEEP IN HELL NINJA BASTARDS" http://i25.tinypic.com/24b6u5v.jpg
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Anebriated
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Peeps with no Health Insurance...question for you
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obama will win in 2012
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(none)
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-Rando-
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Subject:
Peeps with no Health Insurance...question for you
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Mike_the_Red_MT posted:
You know what? It's not even worth it anymore.
Mike trolls himself harder than anyone could possibly troll him.
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Mike_the_Red_MT
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-Rando- posted:
Mike_the_Red_MT posted:
You know what? It's not even worth it anymore.
Mike trolls himself harder than anyone could possibly troll him.
It's true.
I'm not sure if I'm a genius and you're all average or I'm average and you're all functional retards, but whichever the case may be, no one on this board ever gets the best of me unless I let them or get it for them.
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!Mikethered Music/Radio Activist I only troll the trolls.
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Sarena_WE
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Itab posted:
Sarena_WE posted:
JD_HOGG posted:
Hold tight for Obamacare to kick in.
Can't wait 2 years for that BS.
You mean the BS that would serve your interest?
It's BS because it is moronic that it wasn't passed THIS year. This crap of piecing it out, and then putting one of the most important parts out 3 years is just a way for them to find a way to get votes and then as the active date nears, it will get axed somehow.
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Chief Operations Officer (COO) Bored & Useless Spam Co. Sarena is the Yin to BTs yanger - Aon_mixed Friends don't let friends ACF-Makarios http://www.indiefl.com/acf/profile/38
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Dark_EternalFF
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Subject:
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Mike_the_Red_MT posted:
-Rando- posted:
Mike_the_Red_MT posted:
You know what? It's not even worth it anymore.
Mike trolls himself harder than anyone could possibly troll him.
It's true.
I'm not sure if I'm a genius and you're all average or I'm average and you're all functional retards, but whichever the case may be, no one on this board ever gets the best of me unless I let them or get it for them.
Mmm...I'm DE, so therefore your argument is invalid.
...Just like your mom's vagina was.
-----signature-----
Max Fox (AC), Zygran (WoW, SWTOR) "We poison our air and water to weed out the weak! We set off fission bombs in our only biosphere! We nailed our God to a stick! Don't fk with the human race!" DE/Mr Pants 2012
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notmforce2k
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Awwww.. Mike only provides situations in which he is smarter than everyone else. Everyone else on this entire forum.
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BritonGuy
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Mike_the_Red_MT posted:
It's true.
I'm not sure if I'm a genius and you're all average or I'm average and you're all functional retards, but whichever the case may be, no one on this board ever gets the best of me unless I let them or get it for them.
Challenge accepted.
Any subject of your choice, any skill level. Call me out in a thread, ignore all other posters. I am so severely confident that I could wreck you one on one Mike that I don't even have to put on pants to post this reply. You want to see genius and functional retard rolled into a mass of perfection capable of owning your ass 6 ways to Sunday? Try me, slick.
-----signature-----
Briton Guy...persnickety...NEVER! -Murron (truly) Hawkson is the greatest. -Hawkson Britonguy is usually right. -Onslaught on BT “Do or do not... there is no try.†- Yodazami Do you expect me to remember what I put in my mouth? -NSMachi
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Kordirn
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notmforce2k posted:
Awwww.. Mike only provides situations in which he is smarter than everyone else. Everyone else on this entire forum.
I used to like his posts. I thought they were pretty intelligent, and informative. Now all of his posts seem to have taken a turn for the worst. Yeah buddy, you're the genius of the board.
-----signature-----
ooOooo oOoOO OOo
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BritonGuy
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And Onslaught, you just had to click reply, didn't you? For all your sensitive overtones, nothing you've posted is anything other than deliberately trying to drag off-topic politics into the thread. Your replies serve no other purpose than to express your own amusement of the relations and political opinions between posters. For all the talk of troll and irony present here, you have practically put yourself on a pedestal as a shining example for all to observe. Congratulations.
-----signature-----
Briton Guy...persnickety...NEVER! -Murron (truly) Hawkson is the greatest. -Hawkson Britonguy is usually right. -Onslaught on BT “Do or do not... there is no try.†- Yodazami Do you expect me to remember what I put in my mouth? -NSMachi
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BritonGuy
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Subject:
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notmforce2k posted:
Awwww.. Mike only provides situations in which he is smarter than everyone else. Everyone else on this entire forum.
And you're better than to feed a derailment. You know very well the conversation has reduced into mud throwing, so why throw Sarena's thread to the dogs?
The problem is, everyone in here thinks it's a free for all after Onslaught broke the ice, but I know damn well nearly all of you respect Sarena more than that.
-----signature-----
Briton Guy...persnickety...NEVER! -Murron (truly) Hawkson is the greatest. -Hawkson Britonguy is usually right. -Onslaught on BT “Do or do not... there is no try.†- Yodazami Do you expect me to remember what I put in my mouth? -NSMachi
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Ah-Schoo
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Subject:
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Kordirn posted:
notmforce2k posted:
Awwww.. Mike only provides situations in which he is smarter than everyone else. Everyone else on this entire forum.
I used to like his posts. I thought they were pretty intelligent, and informative. Now all of his posts seem to have taken a turn for the worst. Yeah buddy, you're the genius of the board.
The condescending douchebag routine worked so well for B_T and Aerlinthian and Arch ...
Wait, what was the goal again?
-----signature-----
.
Opinion = fact. Anecdote = proof. Political label more important than either of those.
Welcome to ACF, where debate goes to die.
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"fascist totalitarian secular progressive Zionist intellectually challenged Christian puppets." - Aerlinthina
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Sarena_WE
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BritonGuy posted:
notmforce2k posted:
Awwww.. Mike only provides situations in which he is smarter than everyone else. Everyone else on this entire forum.
And you're better than to feed a derailment. You know very well the conversation has reduced into mud throwing, so why throw Sarena's thread to the dogs?
The problem is, everyone in here thinks it's a free for all after Onslaught broke the ice, but I know damn well nearly all of you respect Sarena more than that.
The sad part is I actually expected this to happen when I made the post, but since I did get the info that I needed, nothing else really matters. Thanks though Briton
-----signature-----
Chief Operations Officer (COO) Bored & Useless Spam Co. Sarena is the Yin to BTs yanger - Aon_mixed Friends don't let friends ACF-Makarios http://www.indiefl.com/acf/profile/38
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-Ducky-
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BritonGuy posted:
Mike_the_Red_MT posted:
It's true.
I'm not sure if I'm a genius and you're all average or I'm average and you're all functional retards, but whichever the case may be, no one on this board ever gets the best of me unless I let them or get it for them.
Challenge accepted.
Any subject of your choice, any skill level. Call me out in a thread, ignore all other posters. I am so severely confident that I could wreck you one on one Mike that I don't even have to put on pants to post this reply. You want to see genius and functional retard rolled into a mass of perfection capable of owning your ass 6 ways to Sunday? Try me, slick.
LMAO. 
-----signature-----
Love is better than anger. Hope is better than fear. Optimism is better than despair.
So let us be loving, hopeful and optimistic. And we’ll change the world. ~ Jack Layton
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notmforce2k
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I'm still not sure if that was a recognition of the trainwreck this thread became or accusing me personally of being part of it..
I have nothing against Sarena... don't even know how or why this is where this thread went.
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BritonGuy
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Subject:
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Sarena_WE posted:
BritonGuy posted:
notmforce2k posted:
Awwww.. Mike only provides situations in which he is smarter than everyone else. Everyone else on this entire forum.
And you're better than to feed a derailment. You know very well the conversation has reduced into mud throwing, so why throw Sarena's thread to the dogs?
The problem is, everyone in here thinks it's a free for all after Onslaught broke the ice, but I know damn well nearly all of you respect Sarena more than that.
The sad part is I actually expected this to happen when I made the post, but since I did get the info that I needed, nothing else really matters. Thanks though Briton
Just trying to keep it real.
-----signature-----
Briton Guy...persnickety...NEVER! -Murron (truly) Hawkson is the greatest. -Hawkson Britonguy is usually right. -Onslaught on BT “Do or do not... there is no try.†- Yodazami Do you expect me to remember what I put in my mouth? -NSMachi
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