Author Topic: IFBB Medical Insurance NOT for free!  (Read 21595 times)

Disgusted

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Re: IFBB Medical Insurance NOT for free!
« Reply #25 on: February 17, 2006, 09:54:25 PM »
I carry a G27. I love it.  Also have a Keltec P32 on backup.   For years I sat in movie theaters and grocery store lines with a Sig hammer piercing my liver. Good riddance to that.

AMT backup .45  ;)

240 is Back

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Re: IFBB Medical Insurance NOT for free!
« Reply #26 on: February 17, 2006, 09:54:57 PM »
what's a good insurance to get for self employed? I'm on my wife's plan now but it's expensive

240 is Back

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Re: IFBB Medical Insurance NOT for free!
« Reply #27 on: February 17, 2006, 09:57:09 PM »
AMT backup .45  ;)

I really really really hope I never get shot with one of these.

Although my brother shot a guy in the stomach with a glock 45 and he made it halfway across the state for surgery with the round lodged in his spine.   so maybe I need something bigger. .50 maybe?  :D

Disgusted

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Re: IFBB Medical Insurance NOT for free!
« Reply #28 on: February 17, 2006, 10:00:20 PM »
what's a good insurance to get for self employed? I'm on my wife's plan now but it's expensive

I can find out what my buddy had for you and PM you. Oh, the guy was lucky. .45 is enough to kill most anybody.  :(

Princess L

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Re: IFBB Medical Insurance NOT for free!
« Reply #29 on: February 17, 2006, 10:02:41 PM »
A friend of mine has full coverage on his own for $130 minthly, but he has a $2k deductable.

More info please
:

Disgusted

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Re: IFBB Medical Insurance NOT for free!
« Reply #30 on: February 17, 2006, 10:10:41 PM »
More info please

OK, I'll post it on the board probabley tomorrow. We were just talking about his last night.

mame09

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Re: IFBB Medical Insurance NOT for free!
« Reply #31 on: February 17, 2006, 10:39:11 PM »
man people in america are getting screwed

we in australia dont pay dat much for health care. i pay monthly 35$ nd i get more benefits then most people in america paying triple wat i pay.

Chick

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Re: IFBB Medical Insurance NOT for free!
« Reply #32 on: February 18, 2006, 12:00:28 AM »
What didn't you people understand?

As I stated....

For IFBB PRO'S....it's $99 "sign up fee" plus $99/annual renewel fee (thats once a year for those who still don't understand)


Your individual rate will vary depending on specifications like deductable you choose, age bracket, etc. MY rate is $135/ mo. others may be higher or lower.

There is no $600 fee for the pro's ...it's waived.

ncmslippin

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Re: IFBB Medical Insurance NOT for free!
« Reply #33 on: February 18, 2006, 02:27:55 AM »
Wow. I never thought I would actually post on this message board but I signed up and had to reply to this crazy post by stuntmovie. You are dead wrong on so many fronts I can't even begin to respond.

"I have a good friend who is a nurse. One weekend, she worked on a Saturday which was not her regular work day and she was paid $1,800 for her eight hours of service."

Sorry in all my years of working in healthcare in many hospitals, Ive yet to experience a nurse that makes more than me, and I am a MD. Either she is the greatest nurse in the known world, or she is lying.

Healthcare costs have nothing to do with the insurance companies since insurance companies do not pay healthcare workers salaries, period, end of story. The insurance companines pay the healthsystem and the money goes into accounts to be taken care of by accountants. They decide where the money goes and who gets what. Healthcare employees espicially nurses have nothing to do with how much they get paid. At our hospital employe pay was averageing 2.5mil a month. Our gross profits are 8 million a month that is profit, after everything is paid as in take to the bank profits. Mostly all profits go back into the health system to build and improve the system since we are nonprofit company, a for profit would go back into the company.

As for your comments of hospital employees getting paid too much, lol. that would be funny if not insulting. I get paid 80hr and I am a ER doctor! Nurses here are at a 22hr min with a RN. LPN are just 15hr. rich huh!
Physical T. 24hr
Nuclear Med. 24hr
Rad Ther.  24hr
Rad Dosimetrist  30hr
Pharmacist 40hr
 
just to give you a clear idea of what nurses get paid compared to their fellow healthcare workers. Not enough! All my nurses work their asses off and are grossly underpaid! And that is a understatement. I don't call 50yr rich do you? Or overpaid.

No the people who don't take care of themselves and more importantly DON'T HAVE HEALTH INSURANCE!!!!!!! cost the hospital the most amount of money, and this is recouped by whom? The hospital or healthsystem, the hospitals budget for the NONINSURED IS FOUR TIMES THE TOTAL BUDGET TO PAY THE EMPLOYEES, FOUR TIMES.  At our hospital it is 10mil on average. They are the reason why our employees DON'T MAKE ENOUGH MONEY PERIOD! It is a vicious cycle, no insurance, higher insurance premiums and cost of insurance, no insurance higher insurance and premiums and so on and so on and so on. You get the picture here. The hospital has to charge four times the cost of one pill to try to recoup the money lost on the noninsured, and in turn the insurance companies have to charge the hospital more for that pill, and the cycle begins, you get the picture right? So please don't make statements on here blaming the health care workers for the insurance problems of this country, because it is just a disservice to our dedicated and hardworking healthcare providers and more importanly WRONG! DEAD WRONG!
 >:(

Disgusted

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Re: IFBB Medical Insurance NOT for free!
« Reply #34 on: February 18, 2006, 07:46:12 AM »
What didn't you people understand?

There is no $600 fee for the pro's ...it's waived.

I guess that's what we didn't understand. Now we know.


nicorulez

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Re: IFBB Medical Insurance NOT for free!
« Reply #35 on: February 18, 2006, 09:32:54 AM »
Stuntmovie, you are total idiot.  The reason medical costs are so high is not because of medical specialists salaries.  The reason is two fold.  First, there are a large percentage of uneducated, self indulgent morons (smokers, drinkers, etc) that abuse the healthcare system.  They run up huge medical bills that are never paid.  Since you cannot just turn somebody away at an ER, a lot of these individuals continue to abuse the system.  The result, institutions such as hospitals and the physicians lose hundreds of millions of dollars on these scum.  Then, the way to recoup some of the losses is to charge insurance companies high premiums.  The rest is covered by working Americans with our hard earned money via the IRS.  The second, and most egregious, is lawyers who facilitate needless lawsuits.  Pain and suffering lawsuits suck up millions of dollars.  In fact, it so rampant that in may of the inner cities, when queried about the fastest way to become rich, the top three answers were "become a professional athlete, win the lottery, or sue a doctor." ... NICE!  Isn't it encouraging how our young have such an incredible work ethos.  Maybe if clowns such as yourself with no education and not a fricking clue stopped spewing this bullshit, then these misconceptions about medicine would cease.  Next time you are in need for a medical professional (say you are in a motor vehical accident), I am sure the surgeon that saves your sorry ass is grossly overpaid.  Go climb under a rock moron. ::)

stuntmovie

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Re: IFBB Medical Insurance NOT for free!
« Reply #36 on: February 18, 2006, 12:13:51 PM »
Thanks, ncm and nico, but your's is the exact same attitude I received when a family member was recently on her deathbed for a good long while.
I guess we all see the situation differently depending on what side of the fence we sit on.
Give me the opportunity to write up my experience as a Care Giver with ten years (+) experience and then feel free to call me "stupid".
One family member called me that for giving up ten years (+) of my life and all my savings to provide the care that I felt my mother deserved.
Let me say this before I sign off here ......... I am definitely NOT antagonistic against the good nurses and doctors who have been assisting us over this difficult period. In fact most of them should be canonized.
And a couple of them have said the same about me.
But I am definitely antagonistic about the "health care" system in the US today and I believe I lived close enough to that system  for a long enough time frame to justify those feelings.
If you feel that our health system in the US is good, then I have to say that there is definitely something wrong.
Maybe you should take a look on the other side of that fence.
Thanks for your comments though.

oldtimer1

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Re: IFBB Medical Insurance NOT for free!
« Reply #37 on: February 18, 2006, 01:30:09 PM »
Some of you guys feel the government owes you health care.  If it did this socialist system health care would be garbage because salaries of health care professionals would go down to nothing.  Nothing in life is free and the working class would pay dearly for this luxury. See if Canadians are happy with their free health care. When they have something serious they rush to America.  HMO's have already hurt so many doctors that some refuse to accept it on principal.  If you need health care go to your emergency room.  They can't turn you away.  You would be surprised how many people have no health insurance.  Someone said it before it is a vicious cycle of the workers caring for the lazy.

I think health insurance should cover bills over $5000.00.  Any normal doctor visits to a GP would be paid in cash. If you visit your doctor for an throat infection you should pay $50 to $100 bucks. You would then pay the pharmacist the $200 bucks for the meds needed.  If you need an operation or long term treatment  that could  break you financially  the $5000.00 deductible insurance would kick in. 

With this type of system insurance bills would be super low because you pay everytime you have a sore throat visit.  You could sleep at night knowing major bills would be taken care of.  Health insurance companies have to make a profit and if they are paying out for every member of a family for every cold and sniffle they are going charge big time.

onlyme

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Re: IFBB Medical Insurance NOT for free!
« Reply #38 on: February 18, 2006, 09:06:03 PM »
Somehow we get ripped here in Hawaii.  There is no such thing as sub $200 or even sub $300 a month medical insurance.  I had medical when I was with Gold's, when I left and wanted to continue it is something called COBRA.  the cost was $478 a month to keep my insurance going.  When I was with SAG and decided to quit I could have kept my insurance going with Blue Cross for just $60 a month.  I should have done that.

And my little input on the prices.  I think doctors should be paid as much as possible.  They save lives and should be paid.  I don't think any doctor or nurse can be paid enough.  A ton of schooling and a ton more hours of work. Very hard job and they deserve to make everything they ask for.

But, in relation to drugs I think it is a fucking ripoff.  The government fucks so many things up they purposely start dieases just so they can make drugs to help cure them and make more money.  The chinese herbs and other natural remedies they try to get ahold of and either try to control them or ban them.  They do this cause they aren't making money off of them.  If a patient will take herbs instead of paying for drugs then the government is losing money.

Wombat

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Re: IFBB Medical Insurance NOT for free!
« Reply #39 on: February 19, 2006, 03:51:00 AM »
Thanks, ncm and nico, but your's is the exact same attitude I received when a family member was recently on her deathbed for a good long while.
I guess we all see the situation differently depending on what side of the fence we sit on.
Give me the opportunity to write up my experience as a Care Giver with ten years (+) experience and then feel free to call me "stupid".
One family member called me that for giving up ten years (+) of my life and all my savings to provide the care that I felt my mother deserved.
Let me say this before I sign off here ......... I am definitely NOT antagonistic against the good nurses and doctors who have been assisting us over this difficult period. In fact most of them should be canonized.
And a couple of them have said the same about me.
But I am definitely antagonistic about the "health care" system in the US today and I believe I lived close enough to that system  for a long enough time frame to justify those feelings.
If you feel that our health system in the US is good, then I have to say that there is definitely something wrong.
Maybe you should take a look on the other side of that fence.
Thanks for your comments though.
you lost all crediability when you stated that you have a friend who is a nurse that made $225/hr :-\

onlyme

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Re: IFBB Medical Insurance NOT for free!
« Reply #40 on: February 19, 2006, 12:40:40 PM »
In Hawaii a private nurse depending on circumstances can cost anywhere from $500 up a day.  There are minimum required.  Like hourly.  If a nurse is there for only 2 hours then it is indeed $250 an hour.  We are talking about a private nurse coming to your home, not just one at the hospital.  Stunt had a special circumstance and what he is saying is true in his case.  I guarantee you his case was rare and that not all cases are like his.

bigdumbbell

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Re: IFBB Medical Insurance NOT for free!
« Reply #41 on: February 19, 2006, 12:58:26 PM »

mwbbuilder

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Re: IFBB Medical Insurance NOT for free!
« Reply #42 on: February 19, 2006, 02:05:47 PM »
Just because you pay $550 a month doesn't mean they are going to pay for your health cost if you ever neeed it. The minute they find out about your drug use, the contract is going to be nill.

I'm sure you didn't check the box "yes" that you don't take illegal drugs.

onlyme

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Re: IFBB Medical Insurance NOT for free!
« Reply #43 on: February 19, 2006, 02:12:01 PM »
Yes that is something that will come up.  If something is determined to be caused by something attributed to the drug use by the pros and was done before the insuRance went into affect then it probably won't be covered.  Then what.  Insurance companies do everything they can to not pay so they will dispute.

WiseGuy

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Re: IFBB Medical Insurance NOT for free!
« Reply #44 on: February 19, 2006, 06:24:37 PM »
InsiderZ-
Some "insider" you are...you got just about everything WRONG. do us all a favor and don't post anymore...
No one ever said it was "free" or provided by the iFBB...
secondly,  it's not $600 to join, it's $99...with an annual fee of $99
The monthly premium is at a GROUP rate...substancially less than regular coverage. How much less? Well, my premium went from $550/ month with Blue Cross to $135/ month for virtually the same coverage. I also had 4 packages to choose from...no one stuck with one coverage.
I have FULL coverage...same as I had with Blue Cross. The only difference in my coverage was that they don't provide Dental,but do provide a seperate coverage you can purchase which was about $55/ year or so..
Any more keen obsevations?

hahahahaha......another "owning" by Chic....

classic


onlyme

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Re: IFBB Medical Insurance NOT for free!
« Reply #45 on: February 21, 2006, 03:40:13 AM »
I'm doing math here.  And this is not including the deductible which would be intersting to see how much that is.  And does this plan cover drugs.

Yearly fee-                           $99
Joining fee-                          $99
Monthly fee-  $135 x 12= $1620
IFBB fees-                           $200
PTA fee-                              $600 (not sure about this one)

Subtotal                              $2618/12= $218 a month average

This is pretty good.  That's about 5 months of coverage here.  What really matters is the deductible and what exactly is included.  I am pretty sure any insurance company WILL NOT cover allot of things especially ailments associated with steroid abuse.  But who knows, maybe it a new insurance company that knows nothing about steroids.  Uhhhhhhhhh?             

Chick

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Re: IFBB Medical Insurance NOT for free!
« Reply #46 on: February 21, 2006, 09:14:21 AM »
What didn't you people understand?
As I stated....
For IFBB PRO'S....it's $99 "sign up fee" plus $99/annual renewel fee (thats once a year for those who still don't understand)
Your individual rate will vary depending on specifications like deductable you choose, age bracket, etc. MY rate is $135/ mo. others may be higher or lower.

THERE IS NO $600 FEE, IT WAS WAIVED FOR THE PRO'S


missed it again, huh?

bigdumbbell

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Re: IFBB Medical Insurance NOT for free!
« Reply #47 on: February 21, 2006, 09:41:27 AM »
deduct it as an expense if you are a business

onlyme

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Re: IFBB Medical Insurance NOT for free!
« Reply #48 on: February 21, 2006, 11:36:11 AM »
Chic, can you list the carrier for this policy.  Cause honestly if it is really what you say it is then I am calling them to sign up.  You just can't get insurance here for anything close to that.  What is the deductible you haven't said.  And is drugs included.  What is the co-pay?  I'm serious, I want to look into this so I can get some insurance.

bald

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Re: IFBB Medical Insurance NOT for free!
« Reply #49 on: February 21, 2006, 02:20:35 PM »
Whats the point of this thread, nobodys health insurance is free?
W