|♦ REFRESH to rotate MAAMAW'S CLICKY NOTES thru this space..... Timely Tips, Best of the Boards & More ♦|
Be sure to visit the Current Message Board when you're finished here.
We're very friendly, so don't be shy... just jump right in and post your question.
Scams outnumber legitimate biz ops about a bzillion to one, so it's well worth your time.
|| View Thread | Return to Index | Read Prev Msg | Read Next Msg ||
FIB - Scams 101 - Ye Olde Archives
Posted By: MaaMaw In Response To: It is not per incidence (Tracy)
Monday, 17 April 2006, at 6:52 a.m.
In Response To: It is not per incidence (Tracy)
I got Blue Shield because, at the time (many years ago), it was a much better deal than Blue Cross... but I never knew Blue Cross had a plan for the self-employed either. My agent never mentioned it.
I live in constant fear that the stop sign in my ADD husband's brain will fail and he'll lose his job or quit, so until January of this year, I always kept my own policy.
Well... on my birthday, my premium (for ONLY ME) was going up to $882/month, and I bailed. I'm on his group Blue Cross now for $99 a month and it's MUCH better coverage. I'm taking a chance, but oh well... it's only 11+ years til Medicare, so it's a risk I'm willing to take.
I keep both kids on private Blue Shield -- HORRIBLY priced at $137/month each for $1500 deductible for a healthy 10-year-old, but one has asthma and one has epilepsy, and I'm not taking any chances that they won't be able to get insurance later.
I don't know for sure if that's what I had when I first became self-employed, but I believe it is. It was NA-something, and the salesman came to the house, told me it was a special association for self-employed people, and I'm almost positive that's what it was.
I lost my shirt.
I kept it for years and never had a claim, then I broke my kneecap. I ended up owing $8700 out of pocket, even though there was a pretty low out-of-pocket maximum (I believe it was $2500).
I barely met my deductible that year and came nowhere close to my out-of-pocket maximum.
At the time, I didn't know anything about insurance. I think everyone knows now that they all pay based on WHAT THEY ALLOW for each service. Also, you may pay $3,000 out of pocket, but if they only ALLOW $1,200 of those charges, that's all that counts.
Well, I was young and naive, and the salesman forgot to mention that.
He also forgot to mention that (NASE?) used the LOWEST numbers available anywhere, so like I said, with a $8700 out of pocket, I never reached my limit and the insurance paid PENNIES.
Twenty years later, somebody wanted to sell me NASE again (this time I'm sure it was NASE). They called me relentlessly. I told them no. My husband told them no. The salesman claimed my husband had told them to call me to set up an appointment, etc. INCREDIBLE pressure over a period of a year.
I finally told them I had talked to my attorney and if they ever contacted me again, I would sue them for harassment. (Of course I hadn't and I wouldn't, but it made them go away.)
I wouldn't touch them with a 53-foot pole. Even if they weren't the ones that wiped me out in the '80s, the high-pressure assault twenty years later was more than enough for me.
MaaMaw's Favorite Last-Chance Business Opportunities
|| View Thread | Return to Index | Read Prev Msg | Read Next Msg ||
FIB - Scams 101 - Ye Olde Archives is maintained with WebBBS 3.11.
| PLEASE READ THIS LEGAL NOTICE CAREFULLY BEFORE YOU FILE A LAWSUIT OR EVEN WASTE TIME THINKING ABOUT IT. It has been done before, but never successfully. In fact, the last dodobird who tried it ended up being ordered to pay more than $77,000 in attorney fees ($65,000+ to my attorneys and $12,000+ to my co-defendant's legal advisor).
If your attorney is worth his salt, he's going to tell you that the expense of filing a lawsuit you can't win is a whole lot worse than any "damages" resulting from messages posted on this insignificant little chunk of cyberspace.
NEWS FLASH: I didn't just climb down off that ol' turnip truck yesterday. I'm well aware that expressing a negative opinion, relating one's personal experience, and restating provable facts are all legal in this country and do not constitute libel, slander, or defamation -- so you don't want to play games with me, and you sure don't want to start something you aren't prepared to finish. I don't take threats lightly, and I don't accept bribes (or did you call it a "mutually-beneficial arrangement"?). I'll turn you in faster than you can yell, "ARREST ME, I'M SCUM!!"
Do yourself a favor and turn your legal team loose in greener pastures.
Although we may, from time to time, monitor or review discussions, postings and the like on the Friends In Business (Scams 101) Message Board, we are under no obligation to do so. We are not responsible or liable for any claim arising from the content of any such discussions or postings or for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Site.
You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane materials or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You are likewise prohibited from posting any false claims against any company or individual. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any such information or materials.
By posting messages and/or content on the Friends In Business (Scams 101) Message Board, you give permission for Lesley Fountain/Friends In Business/Shoestring Success Publications to display, distribute and use the posting and content for publication, advertising, promotion, excerption or example. You grant Lesley Fountain/Friends In Business/Shoestring Success Publications complete, perpetual, but non-exclusive rights to use, archive, reproduce, adapt, modify, distribute, sub-license, repurpose, rework, compile, or offer for sale or resale the messages, postings or content appearing on this site in whole or in part, throughout the world and universe, on a royalty-free basis without remuneration. If you cannot accept or agree with the terms of service for this website and discussion board, you are advised not to post on this board.
In closing, I would like to remind you once again that it is still legal, in this great country of ours, to express a PERSONAL OPINION, as long as it is presented as opinion and not as fact.
And finally, all you scammers out there will do well to remember that TRUTH IS AN ABSOLUTE DEFENSE against charges of libel, defamation, and slander... so if you're operating just a hop, skip, and jump ahead of the law, you might want to think twice before doing anything stupid... (AND SHAME ON YOU!!).