Not signed in (Sign In)

Category Filter

Welcome, Guest

Want to take part in these discussions? Sign in if you have an account, or apply for one below

Vanilla 1.1.8 is a product of Lussumo. More Information: Documentation, Community Support.

    •  
      CommentAuthorbee
    • CommentTimeMay 24th 2012 edited
     
    This post is inspired by a conversation I had with one of the Centre Street Cafe waitresses a few days ago which transmogrified into my commenting that a lot of people who work in the bike industry - shop employees, messengering/delivery/pedicabbing/etc - don't get health insurance via their jobs, and that getting coverage is stupidly expensive as an individual.

    She said "not true!" - anyone can walk into one of the health clinics in the area and talk to a counselor who is an expert in helping you navigate what options are out there. She mentioned Commonwealth Care specifically:

    http://www.massresources.org/commonwealth-care.html#incomelimits

    There are probably lots of other options, from what I gather - so don't lose hope if you look up your income level and see a price you can't afford.

    Anyway - please encourage people you know don't have insurance to at least talk to someone about what their options are!

    Please: this is not the place to rant on whether you think health insurance is "worth it", a conspiracy, capitalist-pig-dog talk, socialism, etc. etc. There's plenty of places on the intertubes for you to get into long-winded debates about healthcare policy.Ignorance: [i]see hybrid bicycle[/i]
  1.  
    This is a fact. You can get health insurance for pretty cheap, or free, in MA based on income level.All you white kids look alike when you're still covered in baby fat, so I was getting bored with the non-stop WASP parade.
    • CommentAuthorslowski
    • CommentTimeMay 24th 2012
     
    i'm 33 and have not seen a doctor nor had any sort of health insurance since i was 18.If at first you don't succeed... you fail.
  2.  
    The real beauty of health insurance are those times when you're in a "go to the emergency room" situation.
    •  
      CommentAuthornerdo
    • CommentTimeMay 24th 2012
     
    ^And yet they have to treat you whether you're insured or not.Worstcase I'll just zip tie on a seat... but i'd rather not. —Zev (who else)
    •  
      CommentAuthorbee
    • CommentTimeMay 24th 2012
     
    slowski:i'm 33 and have not seen a doctor nor had any sort of health insurance since i was 18.


    http://yourlogicalfallacyis.com/anecdotal

    "Need to go to the ER" is one case, though ff you're in a "go to the emergency room" situation, there are options there too; if you qualify for the free/low-cost health insurance, you almost certainly qualify for the aide available to ER patients.

    However, the ER doesn't tell you if you have signs of diabetes, or prostate cancer, or high blood pressure/cholesterol, STDs, etc. The ER doesn't help with mental health needs, vision, etc. It's also much more of a waste of resources to admit you to the ER than it is to have you see the doctor once in a while.

    There's a reason they call it preventative medicine.Ignorance: [i]see hybrid bicycle[/i]
  3.  
    And yet foolishly at some hospitals you'll wait longer to see your primary care doc than you'll wait to see someone in their highly advertised quick ERs...
    •  
      CommentAuthorbee
    • CommentTimeMay 24th 2012
     
    Whoever "stinked" this thread: don't you have some kittens to kick?

    Damn near everyone I know who works in the bike industry doesn't have healthcare, the main reason cited is the huge expense, and people who work in Boston on bikes are pretty at-risk.Ignorance: [i]see hybrid bicycle[/i]
    •  
      CommentAuthornerdo
    • CommentTimeMay 24th 2012
     
    ^That is absolutely true. But I feel it has more to do with youthful folly (see Slowski''s post) than ignorance of affordable options.Worstcase I'll just zip tie on a seat... but i'd rather not. —Zev (who else)
    • CommentAuthorroburrito
    • CommentTimeMay 24th 2012 edited
     
    The MassHealth health insurance that I used to have and got for free is better than the Blue Cross Access Blue that I get from work and copay for.A few spokes shy of a wheel.
    • CommentAuthorroburrito
    • CommentTimeMay 24th 2012 edited
     
    Edit: This is a better link for eligibility and copayA few spokes shy of a wheel.
    •  
      CommentAuthortyler
    • CommentTimeMay 24th 2012
     
    I have commonwealth connector - and I recommend it. As far as free care goes, can't complain.
    It's not just ER situation, but scripts for infection etc are much cheaper. 50 bucks at the ER beats $300 any day.
  4.  
    health insurance =/= health care
    •  
      CommentAuthornerdo
    • CommentTimeMay 24th 2012
     
    I have to say, those are kind of amazing prices.Worstcase I'll just zip tie on a seat... but i'd rather not. —Zev (who else)
    • CommentAuthorben
    • CommentTimeMay 24th 2012
     
    nerdo:^And yet they have to treat you whether you're insured or not.
    The point of insurance in emergency situations is not to get care - it is to not get stuck with $X0,000 in hospital bills after getting care.

    I've always found insurance that covers preventative care to be worth it. If not monetarily, at least for peace of mind.I have DTF pants. They're crotchless. -surprisefries
    •  
      CommentAuthorbee
    • CommentTimeMay 24th 2012
     
    roburrito: thanks!

    Someone just brought up something interested on IM with me - this bit about the form:

    http://www.mass.gov/eohhs/docs/masshealth/appforms/mbr.pdf

    "I and my spouse understand that our employers may be notified and billed, in accordance with the regulations of the Division of Health Care Finance and Policy, with regard to any services I and my spouse and any of our dependents may get from hospitals or community health centers that are paid for by the Health Safety Net."

    Huh...?

    Anyway, I'm getting a sense for why the clinics all have people who counsel in this stuff :-|Ignorance: [i]see hybrid bicycle[/i]
    • CommentAuthorslowski
    • CommentTimeMay 24th 2012
     
    anecdotal and folly aside, had i been paying for health insurance for the past 15 years i probably would have convinced myself that it was worth it. is healthcare really worth the money they are asking for? and if it is, why should i pay less simply because i don't push it to the front of my priorities? if i had been gifted with the service through my employment then would somebody be paying for something i would not be using? where would the money go? i guess i just don't understand or trust in the system that is in place.If at first you don't succeed... you fail.
    • CommentAuthorroburrito
    • CommentTimeMay 24th 2012
     
    Its insurance... its a gamble by nature. The insurance company is gambling that your monthly premium will add up to more than your total bills. You are gambling the opposite.

    But from a less cynical more practical perspective, there are a few advantages. Its a way of spreading out the cost. If you pay $10,000 in premiums over 5 years, but need 1 $10,000 surgery that your insurance will cover, you've been pre-paying an installment plan for that insurance.

    Most importantly, insurance companies have bargaining power that you don't. Look at a medical bill, look what the hospital charges and what the insurance company negotiates them down to. Its staggering. If you don't have insurance, you get the bill for the same amount and have to try and do some negotiations yourself, usually unsuccessfully.A few spokes shy of a wheel.
    • CommentAuthorslowski
    • CommentTimeMay 24th 2012
     
    how and why can the cost be negotiable though? that doesn't seem very fair from an outsiders perspective (my own). it seems like the only way to get a good value on paying the game is to devote a fair amount of time or effort to it, where's the a reward (aside from the value you associate with it)? i don't get it, why would somebody advise me to do this... is it fear or statistics?If at first you don't succeed... you fail.
    • CommentAuthorsmoothness
    • CommentTimeMay 24th 2012
     
    The reward is you're not infallible, and eventually you'll eat shit, which will be worth more than the price you pay per month. I am currently winning at the health insurance game by leaps and bounds. Totally worth it.
    •  
      CommentAuthorseanile mick
    • CommentTimeMay 24th 2012 edited
     
    have broken 13 bones, had shingles, 27ish bronchitis', 7 pneumonias, 3 sebaceous cysts, heart issues, and sternum issues. im getting the most out of my insurance. and i still havent been hit by a car.

    edit: also dislocated both my shoulders and needed PT
    and needed a cortisone shot in my medial cuneiform
    and surgery to repair my thumbsomebody turn the lights off on this place already.
  5.  
    seanile mick:have broken 13 bones, had shingles, 27ish bronchitis', 7 pneumonias, 3 sebaceous cysts, heart issues, and sternum issues. im getting the most out of my insurance. and i still havent been hit by a car.
    All you white kids look alike when you're still covered in baby fat, so I was getting bored with the non-stop WASP parade.
  6.  
    pedicabbies are not a part of the biking industry
    • CommentAuthorben
    • CommentTimeMay 24th 2012
     
    seanile mick:have broken 13 bones, had shingles, 27ish bronchitis', 7 pneumonias, 3 sebaceous cysts, heart issues, and sternum issues.
    Jesus Christ.I have DTF pants. They're crotchless. -surprisefries
    •  
      CommentAuthorNandy
    • CommentTimeMay 24th 2012
     
    Scruffy..TheJanitor:pedicabbies are not a part of the biking industry


    Why not?"life is hard, cats are soft." - surprisefries
    •  
      CommentAuthortyler
    • CommentTimeMay 24th 2012
     
    smoothness:The reward is you're not infallible, and eventually you'll eat shit, which will be worth more than the price you pay per month. I am currently winning at the health insurance game by leaps and bounds. Totally worth it.



    I don't know what your income is nor do I request that you let all of us know, but Commonwealth Care/Mass Health has free or extremely cheap care for those in particular earning brackets- and it's not just poverty level. I suggest just looking over the website. If you qualify there's no single reason not to enroll. If you don't well, I guess be safe.
    • CommentAuthorgc
    • CommentTimeMay 24th 2012
     
    Scruffy..TheJanitor:pedicabbies are not a part of the biking industry
    gone
  7.  
    tyler:
    smoothness:The reward is you're not infallible, and eventually you'll eat shit, which will be worth more than the price you pay per month. I am currently winning at the health insurance game by leaps and bounds. Totally worth it.



    I don't know what your income is nor do I request that you let all of us know, but Commonwealth Care/Mass Health has free or extremely cheap care for those in particular earning brackets- and it's not just poverty level. I suggest just looking over the website. If you qualify there's no single reason not to enroll. If you don't well, I guess be safe.


    I think he already has health insurance.YO NOT EVERYBODY GOES TO EAR SCHOOL OK
  8.  
    I am curious whether Ted is just pointing out a semantic mistake, or if he has a VERY IMPORTANT MESSAGE to impart.i mean that looks like a 10 cat bag, easy
    • CommentAuthorsmoothness
    • CommentTimeMay 25th 2012
     
    banana truffles:
    tyler:
    smoothness:The reward is you're not infallible, and eventually you'll eat shit, which will be worth more than the price you pay per month. I am currently winning at the health insurance game by leaps and bounds. Totally worth it.



    I don't know what your income is nor do I request that you let all of us know, but Commonwealth Care/Mass Health has free or extremely cheap care for those in particular earning brackets- and it's not just poverty level. I suggest just looking over the website. If you qualify there's no single reason not to enroll. If you don't well, I guess be safe.


    I think he already has health insurance.


    Ella is correct! I do have health insurance through commonwealth care. I was trying to get slowski to understand that no matter how cautious you may be, vigilance and awareness will eventually fall victim to you accidentally eating it when a cab or a semi turns into you, at minimum banging you up, at maximum turning your leg into paste. Or, you could get hospitalized for smashing your thumb in a leaf blower (it was super awesome fun times).

    Yes, insurance is a "gamble;" the company is betting against you on calling on all the money you put into the system, and you're betting on yourself not getting sick. However, we're all a bunch of meat bags, so in reality you're eventually going to come down with a horrible case of Montezuma's Revenge, Salmonella, Cancer, Leukemia, a previously unknown parasitic twin, and then you'll recoup the cost of you spending into the system.

    That, and you have to pay a fee if you don't buy health insurance in MA, so you'd be an idiot to put the money toward paying that fee rather than putting it toward health insurance.
  9.  
    A:
    Scruffy..TheJanitor:pedicabbies are not a part of the biking industry


    Why not?


    #1 no biking skill required to operate a pedicab
    #2 they only "work" on the "nice" weather days of the "nice" weather months
    #3 theyre a step above vagabonds and panhandlers (it cant be an industry if youre relying on just tips to sustain you)
    •  
      CommentAuthorNandy
    • CommentTimeMay 25th 2012
     
    Scruffy..TheJanitor:
    A:
    Scruffy..TheJanitor:pedicabbies are not a part of the biking industry


    Why not?


    #1 no biking skill required to operate a pedicab
    #2 they only "work" on the "nice" weather days of the "nice" weather months
    #3 theyre a step above vagabonds and panhandlers (it cant be an industry if youre relying on just tips to sustain you)


    Sorry, but I'd call that bullshit. Being an über-cool courier doesn't take much more "biking skill", and you need a lot more strength to move trikes than your sweet fixie (especially when there's 300lbs of tourist(s) in it)."life is hard, cats are soft." - surprisefries
  10.  
    As someone who has worked in Boston as both a document courier and on trikes, I'd say you have no idea what you're talking about. Moving a trike around in the city can be major pain in the ass, and takes a serious awareness of traffic if you want to do it quickly/without accident (which you need to do to get paid). It is an incontrovertible fact that you're going to have to bust your ass much harder on an 8 hour shift pedicabbing than a 9-5 doing document courier work (most pedicabbers are taking longer shifts, sometimes over 12 hours).

    All the pedicabbers I know are more than competent on 2 or 3 wheels, and do pedicab work because it's the job they can get with hours that work for them and the largest amount of money taken home at the end of the day. If they're good, a pedicabber can take home enough money to pay rent, no mean feat in this city for anyone not working a union job or working in an office. Trying to shit talk someone because their work conditions suck (and being a "private contractor" and relying on tips can really suck) just makes you an ass. Pedicabbing (and other trike users) makes up a huge portion of the cycling work in Boston and, to reiterate, you have no idea what you're talking about.

    P.S., since when aren't document couriers anything but a "step above vagabonds and panhandlers". Sitting around drinking beer out of a paper-bagged container in Winthrop doesn't exactly make you one of those reputable business people. I'd really like to know what these "real bike jobs" are.

    P.P.S., to clarify, I am not hating on document couriers, this is my current form of employment for the forseeable future. I also don't have a problem with "vagabonds and panhandlers" (because I'm not a stuck up prick).

    P.P.P.S, drinking beer out of paper-bagged containers is AOK.
    • CommentAuthorslowski
    • CommentTimeMay 25th 2012
     
    smoothness, i have not paid any fee and i don't think it's fair to call someone an idiot for opting not to be pushed into a contract they don't agree with. i wasn't bragging about not having insurance, simply stating that my experience has been very different. your coming across as saying that i'm being irresponsible where i feel like i am being fully responsible for my life, long or short as it may be. personally i have always worked in dangerous fields and have not been without injury or illness, i have plenty of examples that i'm not going to list, i was able to deal with it on my own. who knows, maybe im worse off for it but there's nobody that can say for sure. maybe i'm lucky even though i don't believe in luck. maybe i'll get my ticket punched tomorrow and writing a check today might help me in the future? i don't know about that, but i do know that i have actual problems to deal with today and tomorrow is more of the same.If at first you don't succeed... you fail.
    • CommentAuthorslowski
    • CommentTimeMay 25th 2012
     
    people hate on the pedicab industry because they are the only ones making any money out there.If at first you don't succeed... you fail.
    •  
      CommentAuthornerdo
    • CommentTimeMay 25th 2012
     
    I think it's completely fine to be uninsured (I'm taking that gamble right now because I can't afford the New York state version of Commonwealth Care, which is over $200/month for the cheapest option) but I do think that you should at least be saving the money you would have paid to insurance so that you have a fiscal safety net of some sort in case you do come down with some serious medical infliction.Worstcase I'll just zip tie on a seat... but i'd rather not. —Zev (who else)
  11.  
    New people: we have several trollish members who like getting people's goat... please note that yours has been gotten.
  12.  
    slowski:people hate on the pedicab industry because they are a large collection of douchebags that make real bike workers look bad.
  13.  
    I have no idea what you guys are arguing about but to me, insurance is essential. I have friends that had cancer in high school who couldn't go to college because everyone in the family is working to pay off the debt from their treatment. I have other friends who are in the hole for hundreds of thousands of dollars because they got cancer after college, and are paying off college AND cancer debt. And others who had to declare bankruptcy.

    That being said, the system is definitely flawed. And don't get me started on how much Zofran costs without insurance.

    I will never be without insurance, and I picked a career that will make that possible.YO NOT EVERYBODY GOES TO EAR SCHOOL OK
  14.  
    witte fiets 65:= I'd really like to know what these "real bike jobs" are.
    .


    ill bet you would document courier
    •  
      CommentAuthorNandy
    • CommentTimeMay 25th 2012
     
    yeah, I was born yesterday and have never seen a troll on the internet. Still, calling out assholes is my second favorite hobby. Scruffy sounds like they are in desperate need of attention and/or a life.

    Not having insurance (I mean, access to health care) used to scare me a lot. When I got too old for the NY program for poor kids I didn't want to get in a car at all, and now I play in heavy traffic for a living and still don't have any sort of safety net. I hate the entire for-profit insurance system in this country which I guess is why I still haven't put the time into figuring out how to get basic access to health care.. This is just going to turn into a rant on how much this country sucks, but at least Mass is as close as I can hope for. Only thing I hate more than the system is thinking about whether or not I'll need it when I get crushed by a truck. whee"life is hard, cats are soft." - surprisefries
  15.  
    Knock yourself out then, enjoy the satisfaction if you find it.
  16.  
    Can a mod make this a general "PSA" thread?

    GENERAL PSA: Be able to prove that you own your bike. You might break a key off in a lock and not be able to get help because you can't prove it's your bike. Just like, take a picture of yourself with it if you can't get a serial numberi mean that looks like a 10 cat bag, easy
    •  
      CommentAuthorratattack
    • CommentTimeJul 30th 2012
     
    for future (or current?) reference, i have an angle grinder.
    • CommentAuthorsmoothness
    • CommentTimeJul 30th 2012
     
    i also have an angle grinder, and the wherewithal to go out brazenly cutting things. you gotta bring your own electricity though.
  17.  
    It's in reference an old friend who I haven't seen in 5 years whose best hope in proving it's her bike is me telling a bike shop employee I know that I vouch for her.i mean that looks like a 10 cat bag, easy
    •  
      CommentAuthorratattack
    • CommentTimeJul 30th 2012
     
    PSA: the forum is under attack by a determined spammer who keeps making new accounts, and without an application process i have no way of preventing it.
    •  
      CommentAuthornerdo
    • CommentTimeJul 30th 2012
     
    You can lock down comments so that people can only post a limited number within a limited time frame. Sux for forum members during the attack, but you can switch it back after the attack is over.Worstcase I'll just zip tie on a seat... but i'd rather not. —Zev (who else)
  18.  
    Probably goes without saying, but despite all the clamoring for you (or any mod, aka also you) to save us from the spamming, I imagine everyone knows it'll just be like that as long as the spammer persists. I imagine having more mods would be helpful in that regard, if for no other reason that they can help mop up the spamesses when they occur and take some of the pressure off of you (our one and only savior).
    •  
      CommentAuthorratattack
    • CommentTimeJul 31st 2012
     
    Rob, I just ban the user and that stops their posting without impacting forum members. It's probably faster for me to do that than it would be to limit posting. I doesn't stop the person from starting a new account the following night again.

    Tim, it would mean that there are more people around who are possibly looking at the forum at more times and so would possibly catch the problem sooner. The only thing that would stop the problem is an application process so that you at least have to prove you're a human. However, I don't have the power to instate that and the forum host, who has the power, doesn't want that.