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Author Topic: How Does LL affect Medical Insurance Rates?  (Read 7901 times)
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Black_Star
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« on: September 17, 2008, 07:10:40 AM »

Hey everyone!

Does anyone know how LL affects medical insurance rates/premiums, especially here in the United States? And does it go on your medical record?
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MMTA
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« Reply #1 on: September 17, 2008, 08:00:54 AM »

Hey everyone!

Does anyone know how LL affects medical insurance rates/premiums, especially here in the United States? And does it go on your medical record?

If you mean cosmetic LL, most people don't tell their doctors, so it will not have any impact.

However, if you claim for something related to your legs and your LL is later discovered, it would invalidate your insurance, so it's something to think about.
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Lenny
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« Reply #2 on: September 17, 2008, 08:38:09 AM »

If you mean cosmetic LL, most people don't tell their doctors, so it will not have any impact.

However, if you claim for something related to your legs and your LL is later discovered, it would invalidate your insurance, so it's something to think about.
If you've healed properly they probably wouldn't be able to tell.
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Bruce
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« Reply #3 on: September 17, 2008, 11:37:23 AM »

If you've healed properly they probably wouldn't be able to tell.
Hopefully
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MMTA
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« Reply #4 on: September 17, 2008, 09:37:21 PM »

If you've healed properly they probably wouldn't be able to tell.

Well, they would see the uniform scars (whether or not you did Internal or External) and if you lied to them, that would be a criminal offence.

Imagine this:

Doctor: Oh. What are these scars.
Patient: No, nothing, I just had an accident.
Doctor: Really? But they are perfectly uniform.
Patient: Yeah.
Doctor: OK, where did you have the accident - we will have to get the medical notes for your file.
Patient: Err...
Doctor: If you're not telling me the truth, your insurance will be cancelled and it would be a criminal offence.
Patient: Err...
Doctor: I think that you should go and think about the situation carefully!

Lying to your doctor is not only immoral, but it is dishonest and, if you rely on insurance, illegal. Read the small print of any insurance form and you will see that total disclosure is a legal requirement, or you're committing fraud.

Think carefully, because if you're busted, those extra inches will just make you more attractive to the other dudes who are going to be waiting for you to drop the soap - in prison Grin
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Black_Star
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« Reply #5 on: September 19, 2008, 06:35:55 AM »

If you mean cosmetic LL, most people don't tell their doctors, so it will not have any impact.

However, if you claim for something related to your legs and your LL is later discovered, it would invalidate your insurance, so it's something to think about.

So the doctor who does the LL doesn't necessarily report the surgery on your medical records? And what do you do when you are placed in a situation where you have to explain your LL scars to your normal doctor?
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Lenny
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« Reply #6 on: September 19, 2008, 10:09:49 AM »

Think carefully, because if you're busted, those extra inches will just make you more attractive to the other dudes who are going to be waiting for you to drop the soap - in prison Grin

ha ha ha you're a sick man!
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MMTA
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« Reply #7 on: September 19, 2008, 01:11:53 PM »

So the doctor who does the LL doesn't necessarily report the surgery on your medical records? And what do you do when you are placed in a situation where you have to explain your LL scars to your normal doctor?

There is no international co-ordination of medical records. You, as the patient, are meant to provide the details of your doctor and then to make sure that they get a record of any emergency surgery that you're meant to have had.

If you tell your doctor that you broke your leg in an accident, then they will quite rightly want to see the report from whoever treated you - if you claim that you got injured in an accident, but cannot provide any details, it will look suspicious to your insurance company for sure.

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Ciao
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« Reply #8 on: September 27, 2008, 10:06:13 AM »

my god it's really like this in the u.s.a ?!! Shocked

In most european hospitals even if you don't have money or any paper, they will heal you, no matter what you did in your life. Even if you intentionnally broke your legs yourself with a hammer.

I don't want to start a political discussion but these insurances questions in a very rich country really surprise me.
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« Reply #9 on: September 27, 2008, 01:59:37 PM »

I don't want to start a political discussion but these insurances questions in a very rich country really surprise me.

It's not rich in the same sense - divisions between rich and poor are much credit, and most consumer lifestyle in America has been funded by cheap credit, not real wealth - most Americans are in the hole if you added-up their assets and liabilities...
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GrownGrowth
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Emancipate yourself from mental slavery.


« Reply #10 on: September 27, 2008, 03:59:33 PM »

It's not rich in the same sense - divisions between rich and poor are much credit, and most consumer lifestyle in America has been funded by cheap credit, not real wealth - most Americans are in the hole if you added-up their assets and liabilities...

That's only part true. Our wealth gap is 16:1 compared to your 7:1. The truly wealthy did not need the cheap credit. You're talking about the portion of the middle class delusional enough to think they are wealthy (though certainly privileged beyond many in the world) who took a chance at the american dream without being wise enough to realize that the system helping them wasn't well managed.

Traditionally, our global economic lead meant (and may mean again) a high valued dollar and thus much more expensive credit than the super inflated of current. Of course, there have been cycles. Our mega cheapness of which you speak of that is at the root of late problems started in the mid 90s. We tried to put more people in homes without regulating how to do it enough nor regulating who could speculate on it and how.

Basically, our economy is starting to realize that certain socialized things aren't so bad, but because we have this ego about what we consider "free markets" we half-ass things. Like now, a lot of people basically want your NHS type health care, but because we have this long history of stigma about so called "free markets" we have politicians afraid to commit all the way and instead talking about only regulating insurance companies more or something of the sort depending on which plan you look at.
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breakmylegs
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« Reply #11 on: September 27, 2008, 11:41:59 PM »

If you are part of a group healthplan in the US, it generally will not be an issue because you can't be excluded or singled out in group health. However, if you need individual health insurance in the next 3-5 years, you will have to disclose the procedure. The insurance company can then either deny you coverage entirely or (more like) not accept any medical claims relating to your legs. If they excluded your legs there will be a sunset provision - so in 1-3 years, your legs would be insurable again (Assuming you didn't have any LL related complications).
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GrownGrowth
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Emancipate yourself from mental slavery.


« Reply #12 on: September 28, 2008, 05:43:53 AM »

If they excluded your legs there will be a sunset provision - so in 1-3 years, your legs would be insurable again (Assuming you didn't have any LL related complications).

Seems logical. It's just broken legs.
 
As far as the rates go, that seems like something pointless to ask unless you are asking the particular provider because it will likely be judged differently amongst the various companies.

For what it's worth, it wasn't an accident from your extreme sports lifestyle, rather a choice, so in theory it would seem that the latter is less likely to raise your rate.

« Last Edit: September 28, 2008, 05:47:12 AM by GrownGrowth » Logged
Black_Star
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« Reply #13 on: December 07, 2008, 08:24:21 AM »

It is true that compared to the European countries, our system probably looks messed up. And, like GrownGrowth says, "our wealth gap is 16:1 compared to 7:1" found in European countries. It does look like a messed up system at first, but realize that the American system is based on equality of opportunity, not equality of outcome, like the European socialism attempts to attain. And while nobody would ever want to be at the bottom of any social latter, it is mostly the middle-class attempting to act and live rich without making sure that they are rich (although since the recession really hit with the failing of the housing market, a lot of Americans have run into unexpected expenses that have really messed with their individual savings and spending  Sad ).

Getting back to insurance, where else in the world are sex changes covered by insurance? It always strikes me odd that sex changes are covered by American insurance companies from San Francisco, but not one plan will cover LL except in rare circumstances. And are European insurance companies more likely to cover LL?
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