Re: VW
- From: "Jan Drew" <jdrew1374@xxxxxxxxxxxxx>
- Date: Fri, 14 Sep 2007 06:36:39 GMT
A smart bunch of cookies...NOT!
Ever heard of AARP?!?!
"The Webby" <tmjiatroepidemic@xxxxxxx> wrote in message news:tmjiatroepidemic-648226.10390213092007@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
In article <c5uFi.525395$p47.24601@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx>,
"Vaughn Simon" <vaughnsimonHATESSPAM@xxxxxxxxxxxx> wrote:
"The Webby" <tmjiatroepidemic@xxxxxxx> wrote in message
news:tmjiatroepidemic-E80D51.19191210092007@xxxxxxxxxxxxxxxxxxxx
>>> (Had we paid it, ours would have been $6,500
>> > this year)
>> >
>> > Vaughn
>> >
>> >
>
> That is one of the "gutsiest" moves I've ever heard... I've been > meaning
> to ask you more about how that "works".
No "guts". It was a clear-headed business decision, and it is certainly
a
risk. If a hurricane took the roof off of our house, (the most likely of the
"gloom & doom" outcomes) we would still be money ahead if you add together
our
hurricane deductible and the cost of only one year's insurance. A "real"
free
supply & demand market does not exist for homeowner's insurance because it is
compulsory for most of the population because of mortgages.
>As of today, I might be without
> "health insurance" ... yeah... (and the moment, ***don't ask*** ... but
> I'll let "y'all" know what this is all about if it is for-real and I'm
> sure I'll ask for discussion).
Now THAT is scary Webby. I am working full time for only 20% of my pay
just so that Margaret & I can have health insurance. (Could retire & get 80%
for life) Have you looked at "high deductible" options? I recently priced
those, and they are my backup plan.
Vaughn
The trouble stemmed from "confusion" about how much the premiums were
month to month. COBRA doesn't have to send out "billing statements" for
amounts due; the premium is due on the 1st of the month with a 30-day
grace period. The trouble was that "they" kept changing the amount of
money they wanted from us without telling us how much they wanted. So
... between a rock and a hard place, if you know what I mean. So, for
some dispute of either 48$ or 255$ or some other mystery-amount, my
account was terminated. No matter how many times "they" were called for
clarification, there was nothing except more confusion over the amount
owed. In the past year, "they" have changed the amount owed nine times.
ARRRRRGH.
Good new is, after our demand that they review their documentation of
our phone calls to them ... they have reinstated my account as of this
morning. I guess I'm supposed to be grateful to someone. However, I
just can't figure out *who*.
For now, my premium (for me only) is *about* $665.00 per month for a
fairly high deductible PPO plan. All I really want is good catastrophic
coverage... but ...
And Vaughn, hang onto your roof over there!!! (Your situation is
something similar to earthquake coverage in California. We got rid of
it long ago when we were still there.) Chances are my house will never
burn down, but the price of replacing it if it did ... it's just not a
risk I want to take by going "naked". The land wouldn't be lost, but
to rebuild at the prices it takes these days is scary too. Two of my
previous homes nearly burned down in the California wildfires a few
years ago ... both were spared but it could have easily been the other
way around. On the published map of the burn areas, both houses
appeared to have been destroyed. That's too close for comfort when you
think about going "naked" in the future.
I see your point though. I certainly do.
Webby
.
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