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RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:15:13 AM   
littleladybug


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quote:

ORIGINAL: Lucylastic



Little Lady Bug, I know of people that have had no bills, but I think for something major like that, there would be a billing, I dont know off hand, BUT Im gonna have a look see.


Thanks...

Just curious.

Insofar as this goes...I know that my previous Dom had this issue when coming down here from BC. When we initially began seeing each other, he got "travel insurance". Fortunately nothing happened in that initial time, because he came to find out that it didn't cover anything except "accidents". He had a medical condition that needed to be covered. He ended up getting that coverage. I don't know the specifics...and asking him now would require a VERY long distance phone call (I just know that the cost was really not that much more). With that experience, I look to stories like this with a "different" eye. I do wonder if this was just the bare bones "accident" insurance, or if it was something more.


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Profile   Post #: 21
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:17:50 AM   
DesideriScuri


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quote:

ORIGINAL: Lucylastic
I dont see how much clearer I could have been.
while I have many points,
The cost.
The insurance
the cost
The pre-existing condition denial.
the cost
While im all for any woman living her life to the fullest, while pregnant....and otherwise.... flying wasnt the smartest idea in the book, but I bet she doesnt do it again.
Oh and the cost.
If she had stayed at home, she wouldnt have anything to worry about, except of course her and her childs health.


I think you're overlooking the high cost, Lucy...


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Profile   Post #: 22
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:25:04 AM   
DesideriScuri


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quote:

ORIGINAL: Lucylastic
IF she was six months pregnant at the time of the trip and blue cross stated her pre existing condition was known(the bladder infection/supposed HR pregnacy)) One would THINK that blue cross knew it.


That depends on when she bought the insurance (for the bladder infection), and if she disclosed, when purchasing the policy, that she was pregnant.

I'm firmly on the side that Blue Cross is responsible for paying whatever their share is, according to the policy bought. That is, this was not a pre-existing condition.


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  • Help for the truly needy
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Profile   Post #: 23
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:26:53 AM   
Lucylastic


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quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: Lucylastic
I dont see how much clearer I could have been.
while I have many points,
The cost.
The insurance
the cost
The pre-existing condition denial.
the cost
While im all for any woman living her life to the fullest, while pregnant....and otherwise.... flying wasnt the smartest idea in the book, but I bet she doesnt do it again.
Oh and the cost.
If she had stayed at home, she wouldnt have anything to worry about, except of course her and her childs health.


I think you're overlooking the high cost, Lucy...




Damn I knew I had forgotton something....

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Profile   Post #: 24
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:32:14 AM   
kdsub


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quote:

No it doesnt, thats why she bought insurance.... tax payer canadian healthcare by and large only covers in country healthcare


Hmmm I could see elective surgeries and such... but it seems to me emergency medical care should be covered. I understand it is not...just saying.

Things just do not sound right to me Lucy...Isn't it rather extravagant to add $500 to $800 bucks just for a vacation? And if it was bought specifically because of the high risk pregnancy don't you think that would have been discussed... I do.

As far as the medical conditions she suffered from and the reasoning behind the denial we are only getting her word. Not saying her story isn't true but neither would i bet my life on it. I have no love for insurance companies that's for sure. This just sounds to far fetched to be as told... Could be wrong though.

Butch

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RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:34:11 AM   
Lucylastic


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quote:

ORIGINAL: DesideriScuri

quote:

ORIGINAL: Lucylastic
IF she was six months pregnant at the time of the trip and blue cross stated her pre existing condition was known(the bladder infection/supposed HR pregnacy)) One would THINK that blue cross knew it.


That depends on when she bought the insurance (for the bladder infection), and if she disclosed, when purchasing the policy, that she was pregnant.

I'm firmly on the side that Blue Cross is responsible for paying whatever their share is, according to the policy bought. That is, this was not a pre-existing condition.


She wouldnt have brought the insurance for a bladder infection, it would have been covered by her provincial healthcare, pregnant or not.
You only need Travel insurance once you hit the border
Or am I misunderstanding you?
I can certainly see where if she had high blood pressure it would be counted as a PEC but a bladder infection, not so much.

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Profile   Post #: 26
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:40:09 AM   
Lucylastic


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quote:

ORIGINAL: kdsub

quote:

No it doesnt, thats why she bought insurance.... tax payer canadian healthcare by and large only covers in country healthcare


Hmmm I could see elective surgeries and such... but it seems to me emergency medical care should be covered. I understand it is not...just saying.

Things just do not sound right to me Lucy...Isn't it rather extravagant to add $500 to $800 bucks just for a vacation? And if it was bought specifically because of the high risk pregnancy don't you think that would have been discussed... I do.

As far as the medical conditions she suffered from and the reasoning behind the denial we are only getting her word. Not saying her story isn't true but neither would i bet my life on it. I have no love for insurance companies that's for sure. This just sounds to far fetched to be as told... Could be wrong though.

Butch

If its a dream vacation? which is what was stated? I dunno....was she pregnant before they booked it, as far as Im aware her physician would have had to sign it the travel insurance? it could have been anything, a late honey moon, ....celebration of a baby....last fling before parenthood ? im not going to guess or assume what their reasons are...

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Profile   Post #: 27
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:43:21 AM   
DeviantlyD


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quote:

ORIGINAL: RottenJohnny

So what does this have anything to do with the US other than it happened to be where she delivered her baby? Sounds like the issue is with Canadian health insurance laws to me.


It has to do with the over-inflated billing that hospital administrators foist on their patients. It's obscene. I work in health care in the USA and I have worked in health care in Canada too. I know how it works.

And yes, Blue Cross Canada is to blame as well. They insured her. If she purposely hid anything, they could possibly deny, but I would sue them. They did take her money up front so they are responsible, IMHO.


quote:

ORIGINAL: tj444

That was not a smart thing to do, they shouldn't have travelled with her being so far along in her pregnancy.. a flight to Hawaii is a very long flight too and sitting in a plane for anywhere from 12 to 20 hours, even if you aren't pregnant.. Why would anyone want to put their unborn baby under that kind of stress?


There are no direct flights to Hawai`i from Saskatchewan. The couple would have flown from Vancouver or possibly a mainland USA city. The Vancouver flight is 5.5 hours. Long, to be sure, but not 12 hours. The flight time would be less from an American coastal city or not that much more from a city further inland, likely Denver.

quote:

ORIGINAL: littleladybug

I've been thinking on this one since you first made your post.

It's known here in the States that "retail" costs on healthcare are way different that costs billed to insurance companies. Blue Cross, if and when they cover something like this, will not pay anywhere NEAR that amount.

My point, and question, is this:

What happens when, say, an uninsured American has something like this happen in Canada? How are the costs figured?

As polite as I know Canadians are, I have no doubt that a bill *will* be sent.

Anyone have any data on this?



I don't have data, but from when I worked in Canada, I can say that at that time an American would receive a bill for whatever the costs were and would pay the same as any uninsured Canadian would pay. But it wouldn't be at an inflated price.

Even when insurance covers the costs, it's still a royal pita. I had a minor incident occur when I first moved to the USA. I wasn't yet covered by my employer, so my travel insurance was used. The whole cost for less than an hour in the ER was approximately $600 and this was 15 years ago. I was harassed for payment because the insurance company dragged their feet. They (the insurance company) wanted to squeeze money out of my provincial health care plan first and then pay off the balance. It took several months, but eventually it was all paid. I received all of the bills in the mail. I was pretty choked to receive the ER bill. But that was only part of it. A couple of weeks later I received a bill from the ER Physicians Association for the ER doc's part in all of it.

I feel for this couple. I hope they dispute it with both the hospital and the insurance company.

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Profile   Post #: 28
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:46:33 AM   
DeviantlyD


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quote:

ORIGINAL: Aylee


quote:

ORIGINAL: subrob1967

FR

Fucking deadbeat Canadians expecting free health care here in the US. On the bright side, the kid qualifies for citizenship.


That is the confusing part. The NICU care could likely be covered by Medicaid.


Spot on. The child is a US citizen and should be afforded the rights of an American citizen including coverage by Medicaid. Hopefully the couple looks into this.

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Profile   Post #: 29
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:52:24 AM   
littleladybug


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quote:

ORIGINAL: DeviantlyD


I don't have data, but from when I worked in Canada, I can say that at that time an American would receive a bill for whatever the costs were and would pay the same as any uninsured Canadian would pay. But it wouldn't be at an inflated price.


While I have no tangible reason not to believe this, I would just love to see some "apples to apples" data.

I'm sure Americans have had the same issues in Canada....

One might think (or at least I do...) that the lack of this information in a case like this is a bit...off.

Just curious as to what the "going rate" is for an uninsured person for 6 weeks of "bed rest" in a hospital in Saskatoon. Surely that information can't be too hard to find???



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Profile   Post #: 30
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 11:54:52 AM   
missiesfavourite


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quote:

ORIGINAL: KYsissy


quote:

ORIGINAL: missiesfavourite

this would not have happened like that in almost every other civilised country

Are you saying Canada is uncivilised?


now it is too late but I d say the problem was Hawaii
that was a really bad idea

in the UK or Ireland NHS is FREE ...
in most other EU countries this matter would have been dealt with between health insurances here and in Canada - so no bill

ok the UK and Ireland have hardly a similar climate but there are the Canary Islands, French islands in the caribbean asf

most men seem to forget pregnancy itself is not an illness - there are health risks as there are with eating, walking, sleeping, breathing ...

as long as an airline would take her aboard (they would not if you are days before calculated date of birth) a pregnant woman is not a case of hazard - on the opposite - treating her as such is a discrimination case



< Message edited by missiesfavourite -- 11/20/2014 11:59:35 AM >

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Profile   Post #: 31
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:00:00 PM   
tj444


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quote:

ORIGINAL: DeviantlyD

quote:

ORIGINAL: tj444

That was not a smart thing to do, they shouldn't have travelled with her being so far along in her pregnancy.. a flight to Hawaii is a very long flight too and sitting in a plane for anywhere from 12 to 20 hours, even if you aren't pregnant.. Why would anyone want to put their unborn baby under that kind of stress?


There are no direct flights to Hawai`i from Saskatchewan. The couple would have flown from Vancouver or possibly a mainland USA city. The Vancouver flight is 5.5 hours. Long, to be sure, but not 12 hours. The flight time would be less from an American coastal city or not that much more from a city further inland, likely Denver.


I checked one website for how long it took and those numbers are what they gave.. that may have included time between flights but it didn't say.. I do remember taking that flight (from Edmonton) to Hawaii when I was 20 and it seemed like 8 hours fly time to me (including stopping in LA and not being able to leave the plane), whatever it was, it was a damn long flight.. I cant imagine doing that flight 7 months pregnant.. Imo, they should have postponed/cancelled it due to being so far along in the pregnancy (which if they got cancellation insurance they should have been able to do with a Doctors letter).. but maybe they didn't bother with cancellation insurance? (that would have been another not so smart thing)..

Flying when they did, how would they feel if the trip caused their baby to die instead? Really, was the trip more important to them than their baby? That is what it boils down to me..

< Message edited by tj444 -- 11/20/2014 12:01:59 PM >


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RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:03:13 PM   
littleladybug


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quote:

ORIGINAL: tj444


Flying when they did, how would they feel if the trip caused their baby to die instead? Really, was the trip more important to them than their baby? That is what it boils down to me..


But...but...didn't you see? That her doctor gave her the "go ahead" for it?

Of course they did all of their "due diligence", including making sure that any and all issues with the pregnancy were covered by the insurance policy they bought....

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Profile   Post #: 33
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:10:46 PM   
tj444


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quote:

ORIGINAL: littleladybug


quote:

ORIGINAL: tj444


Flying when they did, how would they feel if the trip caused their baby to die instead? Really, was the trip more important to them than their baby? That is what it boils down to me..


But...but...didn't you see? That her doctor gave her the "go ahead" for it?

Of course they did all of their "due diligence", including making sure that any and all issues with the pregnancy were covered by the insurance policy they bought....


doctor ok or no doctor ok, it would not be a risk I would personally have taken.. You cant tell me that the stress of the long flight and trip didn't cause or contribute greatly to the baby being born prematurely..

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RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:26:46 PM   
Lucylastic


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quote:

ORIGINAL: littleladybug


quote:

ORIGINAL: DeviantlyD


I don't have data, but from when I worked in Canada, I can say that at that time an American would receive a bill for whatever the costs were and would pay the same as any uninsured Canadian would pay. But it wouldn't be at an inflated price.


While I have no tangible reason not to believe this, I would just love to see some "apples to apples" data.

I'm sure Americans have had the same issues in Canada....

One might think (or at least I do...) that the lack of this information in a case like this is a bit...off.

Just curious as to what the "going rate" is for an uninsured person for 6 weeks of "bed rest" in a hospital in Saskatoon. Surely that information can't be too hard to find???




not a concrete figure as yet, but ive been quoted
normal delivery 5 to 8 k CAD
C section 10 to 12 k CAD with 2-3 days hospital stay.
And or roughly 800-a 1k a night, depending on other "treatments" Bed rest would be on the cheaper end of the spectrum, I would think, and obviously more expensive for the baby.

Any legitimate/decent sources are proving slippery

As an aside, I feel sorry for her....(unless she didnt disclose) simply for being on bedrest for six weeks whilst on vacation and pregnant. and I'm wondering, if they stayed in hawaii whilst little one was in NNICU...can you imagine leaving your newborn for gods knows how many weeks?
Im sure they regret that vacation in more than financial means.

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Profile   Post #: 35
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:29:44 PM   
missiesfavourite


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quote:

ORIGINAL: tj444


quote:

ORIGINAL: littleladybug


quote:

ORIGINAL: tj444


Flying when they did, how would they feel if the trip caused their baby to die instead? Really, was the trip more important to them than their baby? That is what it boils down to me..


But...but...didn't you see? That her doctor gave her the "go ahead" for it?

Of course they did all of their "due diligence", including making sure that any and all issues with the pregnancy were covered by the insurance policy they bought....


doctor ok or no doctor ok, it would not be a risk I would personally have taken.. You cant tell me that the stress of the long flight and trip didn't cause or contribute greatly to the baby being born prematurely..


if the airline transported them then obviously in agreement that flying was not a considerable risk at that time

of course you are free not to take that risk as well as she was to take it since obviously medical advice supported her estimate that it was a risk that could be taken




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Profile   Post #: 36
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:52:21 PM   
DesideriScuri


Posts: 12225
Joined: 1/18/2012
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quote:

ORIGINAL: Lucylastic
quote:

ORIGINAL: DesideriScuri
quote:

ORIGINAL: Lucylastic
IF she was six months pregnant at the time of the trip and blue cross stated her pre existing condition was known(the bladder infection/supposed HR pregnacy)) One would THINK that blue cross knew it.

That depends on when she bought the insurance (for the bladder infection), and if she disclosed, when purchasing the policy, that she was pregnant.
I'm firmly on the side that Blue Cross is responsible for paying whatever their share is, according to the policy bought. That is, this was not a pre-existing condition.

She wouldnt have brought the insurance for a bladder infection, it would have been covered by her provincial healthcare, pregnant or not.
You only need Travel insurance once you hit the border
Or am I misunderstanding you?
I can certainly see where if she had high blood pressure it would be counted as a PEC but a bladder infection, not so much.


I'm sorry. I had a "Squirrel!" moment. I didn't think she bought the insurance for the bladder infection. I think I was going for the timing of the bladder infection compared to the timing of the policy purchase. If she was pregnant and the policy was still granted, then, Blue Cross shouldn't be allowed to exempt those bills, unless they specifically stated they didn't have to because her pregnancy was considered a "PEC."




_____________________________

What I support:

  • A Conservative interpretation of the US Constitution
  • Personal Responsibility
  • Help for the truly needy
  • Limited Government
  • Consumption Tax (non-profit charities and food exempt)

(in reply to Lucylastic)
Profile   Post #: 37
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:54:12 PM   
tj444


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quote:

ORIGINAL: missiesfavourite


quote:

ORIGINAL: tj444


quote:

ORIGINAL: littleladybug


quote:

ORIGINAL: tj444


Flying when they did, how would they feel if the trip caused their baby to die instead? Really, was the trip more important to them than their baby? That is what it boils down to me..


But...but...didn't you see? That her doctor gave her the "go ahead" for it?

Of course they did all of their "due diligence", including making sure that any and all issues with the pregnancy were covered by the insurance policy they bought....


doctor ok or no doctor ok, it would not be a risk I would personally have taken.. You cant tell me that the stress of the long flight and trip didn't cause or contribute greatly to the baby being born prematurely..


if the airline transported them then obviously in agreement that flying was not a considerable risk at that time

of course you are free not to take that risk as well as she was to take it since obviously medical advice supported her estimate that it was a risk that could be taken


I would say that the results show otherwise, as far as the risk goes.. Just cuz the airline transported them doesn't mean they were in agreement that there was not a considerable risk (I expect they made no judgment on it, and simply covered their arse by requiring a Doctor's written permission).. as you said in a previous post, to deny them would be a discrimination case.. and since they would not want to be sued or have the PR nightmare, they let them on to avoid that.. and too, they would likely had to have refunded their money.. what airline wants to do that??!!!

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Profile   Post #: 38
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:56:02 PM   
Lucylastic


Posts: 40310
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Is fine, Ive had several squirrel moments today, altho most of them have been good ones, I am a little ditzy cos Ive been working since 5.30, and im sleepy too


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Profile   Post #: 39
RE: Best not travel to the US if Pregnant OR rely on Bl... - 11/20/2014 12:57:24 PM   
Aylee


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quote:

ORIGINAL: tj444


quote:

ORIGINAL: littleladybug


quote:

ORIGINAL: tj444


Flying when they did, how would they feel if the trip caused their baby to die instead? Really, was the trip more important to them than their baby? That is what it boils down to me..


But...but...didn't you see? That her doctor gave her the "go ahead" for it?

Of course they did all of their "due diligence", including making sure that any and all issues with the pregnancy were covered by the insurance policy they bought....


doctor ok or no doctor ok, it would not be a risk I would personally have taken.. You cant tell me that the stress of the long flight and trip didn't cause or contribute greatly to the baby being born prematurely..


For normal pregnancies, airline travel is fine until 36 weeks.

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Profile   Post #: 40
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