Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Thursday, January 6, 2022

What Will It Take? (Vaxxing, pt 4.)

 Let me answer the obvious first. 

There are those who will not be convinced, persuaded, reasoned with, ordered, bullied, or otherwise even try to become vaccinated. Not against covid, not against flu, not against shingles, measles, mumps, diphtheria, rubella, polio, tetanus, or anything else. 


They have already decided.

They have already made up their minds.

They know all there is to know about it, no matter what variations come along and no matter what new discoveries, or prognoses come along. 

They have made up their decision. 


This is not for or about them. There are many people out there still studying, still wishing, still wanting to, but...

This is to give them a voice, however small.


One of the biggest changes in administration of the covid vaccine is that now the more at risk people are being encouraged to go for it. After time has shown a good 'protection' record -- not necessarily prevention -- and that the vaccine itself poses less -- but not zero -- risk of contracting the illness, it's been decided by medical professionals that the risk is on the side of vaccines. 

There are always risks. People -- persons -- are individual and react individually. DNA and environment and nutritional and attitude all combine to make the reaction to heal or to hell. 

THERE ARE NO GUARANTEES.

There never have been. 


However.

What is stopping those that want to, but?

Here are a few answers.

The vaccines are usually mostly available in high traffic areas. Usually in or around pharmacies or hospital/clinics where sick people gather. 

Even with an appointment, you have to wait. 

In crowds.

Of sick people.

This is not a good idea for anyone who is even partially at risk for contagion.


Another problem is that there are no clear protocols for how/when/where to go once you reach the facility. 

In the pharmacy, do you go to sign in at the drop-off for prescriptions, at the pick-up for prescriptions, in the waiting area with no window? Or somewhere else entirely? And remember that each of these areas will probably be filled with coughing, sneezing, feverish, sweating, people who don't want to be there either.

In a facility, do you go to admitting, or through an ER or Urgent Care, or maybe straight to the lab? Do you, as a patient, know where any or all of these areas are? 

Why do the signs say "Walk-ins welcome. Make an appointment first."?

Are the hours posted clearly? 

Is there anyone working that specific area during the posted hours? Or are the 'preventive' people  having to mingle with the contagious ones?

Why is everyone saying  free with no insurance necessary, and the next line reads, bring your insurance cards?


At this point, especially with the alphabetically named surges shoving each other out of the way, it seems/feels/is more endangering to go out in search of the vaccine than it is to stay home, mask, sanitize, and ding-dong-ditch deliveries.

After nearly two years, and now that out efforts have turned to the more at-risk persons, can we not have some logical organization that applies to everyone? If only signs at each establishment specifying each step needed. 

Not sign-in at pharmacy.  Sign in at row b line 3. 

Not go straight to lab with orders; only to be worked-in in-between patients who do have orders. 

These things were done better at first, but the organizations seem to have fallen away as we are getting down to the people who need it the most.


Let's fix this, so that everyone who WANTS to, CAN DO.

Tuesday, May 18, 2021

Sending Information

 Does any business or agency still do this? Do they know, understand, comprehend what "sending" means? 

Can I trust info from those who don't even know what they are saying?

While I prefer paperwork that I can spread out and look at, I'm not opposed to email being "sent." After all, that type of info can be printed off , if needed, or copied down. 


One does not send a phone call.

That is not sending.

The card you originally sent me in the mail said that you would send me more information.

And you called me.

(I did not answer. You left a voice mail for me to call you back. "NO.")

***********

There are many people who do not want and cannot handle phone calls to do business. The deaf, for instance. Those who suffer from dyscalculia need to go over numbers, and over numbers, and over the numbers again to be sure of understanding them. (Maybe.)

There are those who simply learn better from the written word.

There are those who forget facts unless they have seen or heard them several times in several ways.


In my opinion, if you call you are trying to put something over someone.

Pressure sales.

Fool the 'customer'.

Scam.


If you want my business, do not say you will send information and then demand to do business over the phone. 

I don't.

I won't. 

Wednesday, March 12, 2014

"You Cannot Be Turned Down"

You can, however, be refused the payment you think you are investing in.

It's a gamble.
Of course, all insurance is a gamble. That more people will buy and pay in than will (whatever) and need to be paid. This is how insurance companies make money. 

Let us suppose that you need life insurance and can't get it through the usual agencies. Maybe you have a chronic condition which will (sooner rather than later) become terminal. You can't get life insurance, but you know that you -- or your family -- really need for you to have it.

So, you look into this "cannot be turned down" policy.
The commercials sound so good. "Only 9.97 per unit per month. About 35 cents a day."
BUT: a unit is $1,000.00 . 
Even a cremation setup costs around 2500--3000. So, even for an inexpensive service, you need three units per month. (A traditional funeral, done cheaply, runs between 5000 and 7000 .)
The price of your insurance has just trebled. At a minimum.
That leaves little if anything to help your family survive. You may have put yourself more at risk because you are trading in one of your medicines to be able to provide for your family after you have passed. 

The next phase has to do with your life expectancy.
If you die within the first year, your family gets nothing.
If you die before the second year ends, the insurance company, after having used your money for investment and interest profits, will generously payout to your loved ones every penny that you actually paid them. 
Not the number of units you purchased; not the coverage you were buying. Just what you paid for it. 24 months at $30 is $720. 

There are different companies with different time constraints -- one is six months/one year -- but they all do have these limits. Even your more standard policies have terms and restrictions as to what they will pay out, and when and why.

Add in all the paperwork and problems your family will have to deal with, as well. 

Ask yourself if this is truly the best choice you can make for your family.
Ask yourself if you think you will live long enough for them to profit from your investment.

It's a terrible burden to be dying and know you haven't left your family any resource for your final needs. I understand that -- you don't know how well I understand that. 

I just ask that, if you choose to go this route, please understand what you are doing. Please understand what your family will or will not collect. 

The odds are not in your (their) favor.