Sunday, July 19, 2009

Taking Lives

A dear colleague was recently hospitalized.

She underwent a major operation and it happened at a very bad time.

Our HMO is on the brink of filing for Chapter 11. Yes, another recession victim bites the dust.

With no assistance from our health care provider, my friend shouldered all expenses.

She has contacted our HMO several times to no avail. As to her inquiry if she can be reimbursed, this was the company’s reply: “We don’t know. We’re not sure.”

That’s scary. Imagine being in her shoes. That is certainly not a fun ride.

Moral of the story: Always save for a rainy day.

38 comments:

gillboard said...

that's true... nakakatakot talaga kapag di mo maasahan yung dapat tumulong sa pagpapagamot mo... kelangan talaga matuto magtipid.

Raft3r said...

gillboard, Tama ka dyan. Kaya yun kikitain ko sa Clark sa buong linggo di ko gagalawin. Promise. Hehe

The Scud said...

hala. naranasan na rin namin yan last year when my brother had his operation. at huwag mo na gastusin para sa sarili mo ung pera. sa amin na lang. hehe.

have a great week!

Raft3r said...

the scud, Nyahaha. Pwede. Pwede. Hehe

Beth said...

this is very true. The unstability of HMOs and the saving up for the rainy days. Let's just pray for better times. Pno na kaya pag nagkasakit ung mga less fortunate talaga, di ba?

hitokirihoshi_kawaii said...

sa wakas nagseryoso na si rafter... naks mature! burger-burger!

oo i agree na kailagan talagang mag-save ng money. mabuhay!

Raft3r said...

beth, Yun na nga. Kawawa talaga sila. Hay.

hitokirihosho_kawaii, Bakit? Lagi naman akong seryoso, ah. Nyahaha

Andy said...

Naku, naga-transform nanaman ang blog mo na parang Transformers. I like this new layout though. Very nice. =)

Raft3r said...

andy, Yes. Transformers. Pasok ang blog post mo. Hehe

len said...

Tama, tama. Huwag ubos biyaya. :p

Wendy said...

Hirap talaga magkasakit ngayon. May sakit na, mabobroke pa sa mahal ng hospital and medical expenses. My coworker has cancer and advice nya, wag daw dapat mag-ipon ng sama ng loob para iwas cancer:)

Raft3r said...

len, Tama. Bawal ang ubos biyaya. Hehe.

wendy, That's the nicest advice I have heard in awhile.

atticus said...

tipid, tipid, tipid.

nakakatakot. hay.

Jerick (the former Curbside Puppet) said...

amen to that. you just reminded me of the michael moore docu-movie. made me wanna migrate to canada or uk or france.

when my dad had a kidney transplant some few years ago, our HMO, aetna, was able to shoulder only 1/4 of the whole deal.

the surgery was done on st luke's with my dad having 8 doctors on him and another 8 on the person giving the new kidney to him. do the math.

Raft3r said...

atticus, Pahirapan na talaga ire. Hehe

jerick, Hay. I'm bad with numbers. Hehe

Liza said...

Talagang bawal magkasakit! Minsan kahit anung tipid mo wala pa rin eh. :)

YW! Basta may gusto ka i-request mo lang hehe.

the donG said...

sad to hear that. now health is wealth. we just have to be healthy and out of harm. out of harm? hmmm...

Raft3r said...

liza, Sige. Sige. Salamat uli, ha!

the dong, Out of harm? Mukhang mahirap ata yon. Hehe. Gaya sa mga byaherong gaya mo. Hehe

eden said...

talagang ang hirap na ngayon kahit saan.

save, save.. it is tough to do it. kaya hanggang ngayon wala pa akong savings..lolz

prinsesamusang said...

oh wow i think i can live with paying for my hospital expense. at least i am still alive. LOL

Paulette said...

oh my!! potek scary yon ah!! sorry ha, i don't have any idea how those stuff work kasi wala kaming ganyang mga benifits.. diba you pay for that every month? or kasama na yon sa sweldo? what if wala ka palang ipon? yikes talaga!!

Raft3r said...

eden, Nyahaha. Totoo yan sinasabi mo. Hehe

prinsesamusang, Pray na lang tayo na di magkasakit. Hehe

paulette, Hehe. Yan kasi pag di 8-5 ang work. Hehe. May contribution ka at may contribution din ang employer mo. Syempre wala naman tayo magagawa kung bigla na lang ma-bankrupt yun health provider nyo. Walang habol talaga. Yan ang buhay empleyado. Hehe

smartchic said...

just last month, the company i worked with changed its HMO provider. the previous one offers better coverage than the HMO we have now. cost cutting decisions by our company i guess.

Raft3r said...

smartchic, Yes. It's the employees who suffer. Sad but true.

Anonymous said...

waaah!!! ako to!!! buti na lang meron kaming pang gastos. nasira tuloy yung piggy bank namin ng di oras. sabi ng HMO they will send us the money this week...im still waiting! matinding intayan to friend!

Raft3r said...

anonymous, Dapat may class suit ang lahat ng agrabyado!

pete said...

Kakalipat ako lang, ah! Patay!

Raft3r said...

pete, Nyahaha. Welcome to the real world. Hehe

Fine Life Folk said...

This is the real world, indeed. I've just started saving. My fine dining adventures are actually on a budget. You can read about them in my blog.

Raft3r said...

fine life folk, I will visit your blog. Welcome to The Deadbeat Club!

Lawstude said...

i cud only sigh in disbelief because those things can really happen to everyone. insurance and health care should serve their purpose.

Raft3r said...

lawstude, Kawawa ka talaga pag wala kang pera. Hay

Paulette said...

ahhh ganun pala yon! yikes nakakatakot naman yon... its better nalang na walang ganyan kasi at least hindi ka masyadong kampante na merong tutulong incase magkasakit ka di ba? unlike ako na walang benefits or mga health chu-chu then talagang ipon para i know na may dudukutin incase of emergency.

Raft3r said...

paulette, That is a nice way of looking at things.

Anonymous said...

if we file a class suit, will you be our lawyer? lol!

Raft3r said...

anonymous, Ipagtatanggol kita! Hehe

abie said...

what, wala kayo HMO ngayon? mag asawa ka na lang muna ng taga d2 sa amin para may maxicare ka...tignan mo si howell, wala problema...hehehe

Raft3r said...

abie, Nyahaha. Pwede!