Yes I know this show got uploaded a day late. This show is ghostly music with no talk, there will be time for talk after all the Halloween parties are done and things settle down. I hope you all had a ghostly blast at whatever you did on the spooky night.

Real affordable insurance is not what most people think it is, yes it’s real insurance that much is true, but in reality it is not as much as a supplement plan. The insurance that is offered sounds great with many covered benefits, pay any where from 186.00 a month to 280.00 a month, get your plan delivered to you then read what is covered however it is not defined as to how much or percentage will be paid. The wording on the booklets simply say “Doctor visit 5 per year with no co pay”. Ok your thinking I am allowed 5 visit per year with no payment due right? This is far from the truth. What it really means is they might pay 40.00 of it or maybe 50.00 if it is a new patient. ( your booklet does not say that it says 5 visit per year no co pay) I cringe to think how little they pay for all those other things they claim to cover.

With that brief explanation done lets move on to the people who need to pay for their own benefits. 1. low income family (employer may not offer benefits) 2. people on disability who not yet receive Medicare. 3. people who cannot be insured by other companies. The question all comes down to how much money each of these groups make per month, which I am guessing is not very much so lets pick a random figure for someone on SSD social security disability of 1080.00 per month. If they pay the lowest price which is 186.00 month rate plus say they have other bills that total 550.00 a month. The person then needs to go see a doctor so with insurance card in hand they rush off to their appointment.

WOW they don’t see the doctor but a doctors assistant, they also pee in a bottle. 3 major test are ordered for the near future which are test that do need to be done but not relevant to the current problem. The problem starts when this person goes to check out of the doctor’s office. Expecting to have very little (if any) payment, their part turns out to be 148.00 and the first time patient gets the insurance rate of 50.00 paid. The office visit all total was 198.00. Now this person is worried because they may not have that much money left in the bank, or it is going to take the last of what they do have left in the bank for that month, now with that said do you think since they find out the insurance they are paying for does not pay so much that they plan to carry out those test? I think not so where is the quality health care in this?

Someone please come up with a health plan that everyone can afford that really helps the person instead of them passing on much needed quality health care that you don’t have to wait a year to get. Some people need health care NOW!

Short post this time but to the point as always. Those who use twitter can Follow me and if your on Facebook you can add me Here hope to hear from all of you real soon

Once again I have my opinions on some Ghost hunting shows and the worlds most scarey places, but you have to keep in mind these are just my opinions

New apps are cropping up at iphone with AT&T, XM radio will now be streaming on the iphone but not so sure that is a good thing. As always I have more opinions on various things, so go take a listen. I have also joined the ranks of twitter, you can follow me at Http://www.twitter.com/snootypatooty

 

Reality checks and girlfriends and boyfriends from HELL! and HEY! some of us have been there and done that.

Just a short post about what's happening over at Lord of the rings online

Oh PLEASE! I'M NOT IN THE MOOD! oh no have I lost my mind or am I just out of sorts so to speak LOL

Every one loves to hear about other people's dirty laundry and family drama, it makes them forget about their own family drama and skeleton's in the closet. This is part one of two.

In this podcast I am back at my instruments making a big attempt at being creative with my talents, so electonica music is this weeks show, what I did was string 60 minutes of some fairly good work so check it out