Archive for the 'Daily life' Category

Finding Health Insurance

Thursday, June 18th, 2009
When remembering health insurance, i remember one of the Simpson episode, “Last Exit To Spriengfield”. It was about Homer, who become an Union President, fighting health care in his company, for Liza Simpson who wear a bracket.
Yup, that it was, like an old good company who assure their employee health care, family like wise. For a worker like me, where my company doesn’t provide optimal health protection; i definitely must find my own protection.
Actually i already think about it a long time, but seems like a low priority. Not being cocky because assume always healthy, but because lack of health insurance knowledge..thing.
Compared to life insurance, education and pension; where are health insurance? It seems all are important and so many need to take a side if we want to plan all that sort of stuff. Beside, we’re five, my dad, mom, me and 2 brother and sister.
Ah, it suc* have to work where there’s no social assurance. No health assurance, no pension, no nothing. Just imagine, when one of your family memebr goes to hospital, all your fund resource had to come out to pay thie bill.
If it has to come like this, even just for a bracket like Liza Simpson? I might have to forget it! Arrgh, it feels a lot worse than working at Homer Simpson Mr. Burn’s place.
Whose fault is that?

Recently i almost got a typhoid . And almost go to the hospital. But fortunately, im not. And can say my prayer to God, i don’t have to spend hundred of dollars for health care. This gave me enough confidence to protect myselft, whether in life pattern or health care. I had my mind, i dont make my kids suffer when i grow old.

The poor thing is, after reading about the insurance, its getting harder to decide. Some offering pure health insurance, others offering mix with investment/link unit. Pure health insurance had term “burned” if there’s no claim. A sales person once told me that his product will “refund 20% if there’s no claim”

Is it worth it?

Insurance plus investment force us to do investment. While according to Safir Senduk, our top priority scale are to pay debts,  operational, saving and lastly, investing. The point is, if we still have a lot of debts, is it possible to investing?

Than those kind of investment, stock, obligation, forex blah blah blah,etc !@#$%^&*. Wow, its so interesting. Who would not like dollars? If we talk about money, everyone like to become SpongeBob’s Mr Crabb” “I like money!!!”

Yeah..
Then..what should we do huh?

Tips For Choosing Health Insurance Coverage

Wednesday, June 17th, 2009

Do you have a health insurance coverage? Probably most of us would say, “NO”. Above all, if one of our family member got sick and need to go to the hospital, then we trully reailze that owning a health insurance coverage is a must. Specially if its bad, beside our body would suffer, so is our wallet and savings!

For you who want to have a health insurance coverage, there’s some tips that you can follow:

1. Take health insurance that give plenty benefit when you have to stay at the hospital. Because this will be the most expensive cost that we have to take when doesn’t have health insurance, and we can’t precisely figure when we’ll going out.

2. Health insurance usually also offered attach to life insurance. This is an option that we can take if we want it in one package, or seperately.

3. Health insurance that give critical desease benefit should we take. Critical desease can make us spend tons of tons of money. It could be million or billion of dollars. Yes, we would spend more moeny,  but that would be cheaper then we spend it from our pocket. So why not shoft it to health insurance company?

When Sick Become Expensive In USA

Sunday, August 31st, 2008

Months ago, i walk in a layer of ice that not melt for three days. And this can be quite dangerous. As proven later on.

When crossing the parking lot, there’s a scream for help. Two meter from where i stand, block by the car, a women sit while holding her leg. I ask, “what’s wrong mam?” It obvious that she just slip on the ice. I hold her knee, it seems there is a fracture bone.

This definitely trouble. I offer to call an ambulance. But the strange things is, there’s doubt on her face. I don’t understand this. But, i call the ambulance anyway, that came 5 minutes later with an police officer. 3 paramedic lift her up to the ambulance and took her to hospital. I still does not understand why she look that way.

I finally understand what is the problem when a friend of mine told that he must pay $700 for ambulance service. As an international student, he already have an health insurance coverage. I wonder, if you already have a health insurance have to pay that much, what happen if you don’t?

Brother’s over than 50 billions American citizen live without health insurance, and they can go bankrupt anytime if go to the hospital. Sometimes they choose to die rather that go to the hospital. The hospital medical cost are the number one bankruptcy factor in the USA.

Surprise?

United States are the only develop country that don’t have an universal health care for their entire people. Medical cost in the USA extremely expensive, and the only way to avoid bankruptcy was buying health insurance coverage that in reality not cheap. But, having a health insurance not guarantee people to have a proper medication treatment. Although they already paying the deductible, with so many excuses insurance company can reject to fund our medical treatment that we suppose to get!

Recently, Cigna healthcare refuse to pay liver transplant surgery to an American girl, Nataline Sarkisyan (17th). This make the public go wild and make a demonstration on Cigna Office. Five minutes after the demonstration, Cigna change their decision in a hurry. To late. At 5.50 PM December, 20 2007, Nataline died only few hours after Cigna decide to cover the surgery cost.

Maybe this sound strange. Insurance run by private company that profit oriented, and America hand over this health issue to them! Unbelivable!

So, for now? I would be very careful walking on layer of ice if i were your…