I've looked for this already but I still might have missed a copy some place.
David's son was hurt in a bad accident. This was set up to help pay for his medical expenses
check here Posted by Pyre Dynasty (Member # 1947) on :
There is another front to this. Today they are doing a book bomb for David's book Nightingale. If you use this link http://amzn.to/17oRLRN then anything you buy on Amazon gives David a 5-8% kickback.
Posted by History (Member # 9213) on :
Thanks. Glad to help. Wishing and praying for his son's full recovery.
I do wonder, though. How could good Dave not have possessed health insurance for his family? The thought of not having it for mine makes me shudder.
Respectfully, Dr. Bob
Posted by Pyre Dynasty (Member # 1947) on :
The hazards of self-employment.
Posted by History (Member # 9213) on :
quote:Originally posted by Pyre Dynasty: The hazards of self-employment.
Perhaps for some who are very low income earners. However, I know from experience that it is possible for most to select a very high deductable and thereby have affordable insurance that would cover terrible tragedies like this.
Anyway, I have purchased both of Dave's offerings and continue to send my prayers and good wishes for his son's speedy and full recovery.
Respectfully, Dr. Bob
Posted by LDWriter2 (Member # 9148) on :
I don't know what his income level is as in how many books-does he have any other pen names, he does per year and if any Hollywood types buy the ability to maybe make a movie from his books. Sometimes that last happens even though no movie is ever even considered. Or how many other languages his books are translated into ?
Or how much a very bad event(can't figure out the spelling on that other word) insurance costs, It's suppose to be a lot less than every day insurance. But he does have a family to buy it for.
It does seem like something could be worked out somewhere even for the self-employed though.
But there's no way one of the government plans will pay for even part of it? They have in some cases.
In either case I bought both books too.
Posted by Brendan (Member # 6044) on :
How much does health insurance cost over there? I'm curious, in part, because my sister now lives over there.
Brandon Sanderson also has a blurb for him. Will pray for him.
Posted by LDWriter2 (Member # 9148) on :
The cost depends on which state you life in--some like Caif. demand Insurance cover about everything you can think of, some states have few companies while others have a bunch so competition is better. And if you get it through your work or just by yourself.
I've heard that some families pay 400 to 600 dollars a month--we don't even in Cailf--to cover everyone.
Some families have a special program where they set aside the money into a special savings account and they withdraw the money as needed for medical expenses. They get to choose which Doctor to visit etc. They do pay for that Bad event insurance with that word I still can't spell even close. Can't pronounce it right either.
I think they save some money over normal insurance. But in either case they have more choices.
[ April 11, 2013, 11:33 PM: Message edited by: LDWriter2 ]
Posted by Meredith (Member # 8368) on :
It also depends on other things, like pre-existing conditions. In California, there are currently only a couple of plans available if you have a pre-existing condition (hoping for better next year). Last year, health insurance would have cost me over $1300/month--if I could afford it, which I can't. And that's just for me. It'd be more this year. There are all kinds of reasons why someone might not have insurance.
Posted by Brendan (Member # 6044) on :
Man, that is expensive. We pay just under $300 a month for the family here. And something like what happened to Ben would be covered through the public system if we didn't have insurance.
Posted by LDWriter2 (Member # 9148) on :
Sometimes the government does step in here. But there appears to be no rhyme or reason why one person is helped and another rejected. Income is one factor but sometimes it doesn't seem to be.
It might also depends on who applies. An individual or a hospital that already has connections with that program.
But right now things are in flux and that will get worse in the next year.
There's more to explain but it will be too close to politics.
Posted by History (Member # 9213) on :
Well, as always, there is more to the story:
Through no fault of his own, Farland cannot obtain medical coverage due to pre-existing health conditions. His wife did have a job that allowed them to carry group health insurance, but got laid off during the worst of the recession. When asked how authors survive these kinds of disasters, Farland answered, "It's only through people working together. People are amazingly kind in times like this." --http://www.prweb.com/releases/book/bomb/prweb10626632.htm
Of which Dave states in his Daily Kick: A press release was written about our book bomb and is now on PRWeb. The more people that view it or link to it, the higher the press release's ranking will climb. So please share it if you can.
Respectfully, Dr. Bob
Posted by Brendan (Member # 6044) on :
That is another difference over here - health insurance is not linked in any way to employment, it is something that each house/person chooses (or not) as part of their own household/personal budget. (Of course, you could say, if you haven't got a job, you can't afford it, so there is a link, I suppose.)
With the pre-existing condition, wouldn't they just exclude that condition from the policy? They do that with other policies, e.g. income protection. (Of course, that may mean that it is better to save yourself than pay insurance.)
Posted by LDWriter2 (Member # 9148) on :
Over here it evolved into a benefit at work-along with paid vacations, paid holidays etc.-and somehow in the last few years it became a right that has to be supplied by the employer.
Which is all I will say about that. Any more would get too political right now.
And somehow I thought the book bomb was for one day.
Posted by kmsf (Member # 9905) on :
Just to give an example. If you can get a policy with an HSA (Health Savings Account) like the one we have for our family of four, it will cost you $400+ per month in premiums. We then put about $500 per month in our HSA and use every bit of it each year. In many cases a pre-existing condition will put a person out of the market.
I hope as people become aware of this situation they will prayerfully consider helping.