Medical emergency, no money: seen at a walk-in clinic today

[swamp]

Mar 10, 2014 15:13:36 GMT -5 @singlemominmd said:

Mar 10, 2014 15:09:52 GMT -5 swamp said:

what's wrong with borrowing from your parents if they're willing to do it, and you pay them back?

well considering the original post was about a woman who had to call her mom to pay the copay at the urgent clinic and all the bashing it received, seems like most people don't consider it a viable option.

But you were commenting on when Phoenix was briefly unemployed and borrowed money from his parents instead of putting it on a credit card.

I'm not seeing the problem if both he and his parents are good with it.   

[swamp]

Mar 10, 2014 15:15:27 GMT -5 happyhoix said:

I know there has been a lot of complaints about Obamacare requiring young adults to have insurance, but honestly, this is exactly the kind of situation that's designed to fix.

If this girl didn't have a mommy with a credit card, she would have needed an ER visit. The ER would recoop the money they lost on her by charging more for patients who DO have insurance.

27 year olds don't think anything will happen to them. Until it does. Making them have a basic insurance policy is not a bad thing, not when it means the rest of us don't have to cover them.

but Obamacare only covers kids to 26.

[justme]

Mar 10, 2014 15:15:27 GMT -5 happyhoix said:

I know there has been a lot of complaints about Obamacare requiring young adults to have insurance, but honestly, this is exactly the kind of situation that's designed to fix.

If this girl didn't have a mommy with a credit card, she would have needed an ER visit. The ER would recoop the money they lost on her by charging more for patients who DO have insurance.

27 year olds don't think anything will happen to them. Until it does. Making them have a basic insurance policy is not a bad thing, not when it means the rest of us don't have to cover them.

Not necessarily. Most of the cheap plans through Obamacare are HDHP, so she's still have to pay for the urgent care visit out of pocket though it might have been a bit less with insurance. Though I've noticed a lot of urgent care places have more reasonable non-insurance prices.

[Deleted]

Mar 10, 2014 15:16:25 GMT -5 swamp said:

Mar 10, 2014 15:13:36 GMT -5 @singlemominmd said:

well considering the original post was about a woman who had to call her mom to pay the copay at the urgent clinic and all the bashing it received, seems like most people don't consider it a viable option.

But you were commenting on when Phoenix was briefly unemployed and borrowed money from his parents instead of putting it on a credit card.

I'm not seeing the problem if both he and his parents are good with it.   

no I beleive Phoenix said that he would have had no way to pay for the visit and my question was didn't he have a credit card he could put it on.  there was no discussion about borrowing money after the fact to pay the credit card.  the entire discussion was about being at urgent care and needing to pay a copay or the visit or whatever. 

[Phoenix84]

Mar 10, 2014 15:06:55 GMT -5 @singlemominmd said:

Mar 10, 2014 12:13:32 GMT -5 Phoenix84 said:

"You didn't have any credit cards?"

I had credit cards.  I guess I could have used them if I had to, and then paid 20% interest and gone into debt like the rest of America.

yes because using a credit card for a medical emergency is a frivious expense....much better to borrow from the bank of mom and dad....and what credit cards do you have that are 20% interest?

I would put a emergency medical expense on a credit card if I had to.  But if my choices are doing that and paying interest (regardless of what the interest actually is) or taking a interest free loan from mom & dad, then I think it's better to take the family loan.

As Swamp said, what's wrong with borrowing from your parents if they're willing to do it and you pay them back?  I've borrowed money from my parents many times, and I've always paid them back.  If I hadn't, then they wouldn't keep loaning money to me.

I don't know what my credit card interest is, but I know you don't want to pay it.

[Deleted]

Mar 10, 2014 15:32:52 GMT -5 Phoenix84 said:

Mar 10, 2014 15:06:55 GMT -5 @singlemominmd said:

yes because using a credit card for a medical emergency is a frivious expense....much better to borrow from the bank of mom and dad....and what credit cards do you have that are 20% interest?

I would put a emergency medical expense on a credit card if I had to.  But if my choices are doing that and paying interest (regardless of what the interest actually is) or taking a interest free loan from mom & dad, then I think it's better to take the family loan.

As Swamp said, what's wrong with borrowing from your parents if they're willing to do it and you pay them back?  I've borrowed money from my parents many times, and I've always paid them back.  If I hadn't, then they wouldn't keep loaning money to me.

I don't know what my credit card interest is, but I know you don't want to pay it.

yes that was the whole point.....you would have had a way to pay for your urgent care visit without having to call mom and dad to give them a credit card over the phone.....how you then paid that credit card bill didn't come into the conversation.  and if you are sitting at urgent care and need to give them money to be seen, are you going to use your credit card or call your dad on the phone so he can give them his credit card?

[Miss Tequila]

Mar 10, 2014 15:06:55 GMT -5 @singlemominmd said:

Mar 10, 2014 12:13:32 GMT -5 Phoenix84 said:

"You didn't have any credit cards?"

I had credit cards.  I guess I could have used them if I had to, and then paid 20% interest and gone into debt like the rest of America.

yes because using a credit card for a medical emergency is a frivious expense....much better to borrow from the bank of mom and dad....and what credit cards do you have that are 20% interest?

It is a frivolous expense if your parents are willing and able to loan you the money with 0% interest. 

[Phoenix84]

Mar 10, 2014 15:46:21 GMT -5 @singlemominmd said:

Mar 10, 2014 15:32:52 GMT -5 Phoenix84 said:

I would put a emergency medical expense on a credit card if I had to.  But if my choices are doing that and paying interest (regardless of what the interest actually is) or taking a interest free loan from mom & dad, then I think it's better to take the family loan.

As Swamp said, what's wrong with borrowing from your parents if they're willing to do it and you pay them back?  I've borrowed money from my parents many times, and I've always paid them back.  If I hadn't, then they wouldn't keep loaning money to me.

I don't know what my credit card interest is, but I know you don't want to pay it.

yes that was the whole point.....you would have had a way to pay for your urgent care visit without having to call mom and dad to give them a credit card over the phone.....how you then paid that credit card bill didn't come into the conversation.  and if you are sitting at urgent care and need to give them money to be seen, are you going to use your credit card or call your dad on the phone so he can give them his credit card?

If that had really happened to me, I probably would have paid with the credit card and then gotten a loan from my parents to pay the credit card bill.  That is, assuming my credit limit was high enough.  Back in 2010, I was with discover and my credit limit was only like $2500 or something.

[Deleted]

Mar 10, 2014 15:56:00 GMT -5 Phoenix84 said:

Mar 10, 2014 15:46:21 GMT -5 @singlemominmd said:

yes that was the whole point.....you would have had a way to pay for your urgent care visit without having to call mom and dad to give them a credit card over the phone.....how you then paid that credit card bill didn't come into the conversation.  and if you are sitting at urgent care and need to give them money to be seen, are you going to use your credit card or call your dad on the phone so he can give them his credit card?

If that had really happened to me, I probably would have paid with the credit card and then gotten a loan from my parents to pay the credit card bill.  That is, assuming my credit limit was high enough.  Back in 2010, I was with discover and my credit limit was only like $2500 or something.

an urgent care visit is around $175.....

[Deleted]

Mar 10, 2014 15:53:40 GMT -5 Miss Tequila said:

Mar 10, 2014 15:06:55 GMT -5 @singlemominmd said:

yes because using a credit card for a medical emergency is a frivious expense....much better to borrow from the bank of mom and dad....and what credit cards do you have that are 20% interest?

It is a frivolous expense if your parents are willing and able to loan you the money with 0% interest. 

but if you're sitting in the urgent care waiting room wouldn't you just put it on your credit card and borrow the money later rather than calling your parents and asking them to provide their information?

[Miss Tequila]

Mar 10, 2014 15:57:02 GMT -5 @singlemominmd said:

Mar 10, 2014 15:56:00 GMT -5 Phoenix84 said:

If that had really happened to me, I probably would have paid with the credit card and then gotten a loan from my parents to pay the credit card bill.  That is, assuming my credit limit was high enough.  Back in 2010, I was with discover and my credit limit was only like $2500 or something.

an urgent care visit is around $175.....

I seriously don't get why you are arguing with Phoenix over a fictitious visit to the urgent care. 

[NancysSummerSip]

Mar 10, 2014 15:58:33 GMT -5 Miss Tequila said:

Mar 10, 2014 15:57:02 GMT -5 @singlemominmd said:

an urgent care visit is around $175.....

I seriously don't get why you are arguing with Phoenix over a fictitious visit to the urgent care. 

Seriously. I made a real visit; you could always argue with me.

[Miss Tequila]

Mar 10, 2014 16:04:28 GMT -5 NancysSummerSip said:

Mar 10, 2014 15:58:33 GMT -5 Miss Tequila said:

I seriously don't get why you are arguing with Phoenix over a fictitious visit to the urgent care. 

Seriously. I made a real visit; you could always argue with me.

Did you put it on your credit card??

[Phoenix84]

Mar 10, 2014 15:58:33 GMT -5 Miss Tequila said:

Mar 10, 2014 15:57:02 GMT -5 @singlemominmd said:

an urgent care visit is around $175.....

I seriously don't get why you are arguing with Phoenix over a fictitious visit to the urgent care. 

*Shrugs* Maybe SinglemominMD has parents who are unwilling or unable to loan her money when/ife things are tight.

Or maybe, like many YM'ers, you're supposed to struggle when money is tight just to prove to someone that you did it on your own you don't need no help from nobody.

[Miss Tequila]

Mar 10, 2014 16:12:14 GMT -5 Phoenix84 said:

Mar 10, 2014 15:58:33 GMT -5 Miss Tequila said:

I seriously don't get why you are arguing with Phoenix over a fictitious visit to the urgent care. 

*Shrugs* Maybe SinglemominMD has parents who are unwilling or unable to loan her money when/ife things are tight.

Or maybe, like many YM'ers, you're supposed to struggle when money is tight just to prove to someone that you did it on your own you don't need no help from nobody.

Or...maybe she just likes to argue?

[Deleted]

Mar 10, 2014 16:12:14 GMT -5 Phoenix84 said:

Mar 10, 2014 15:58:33 GMT -5 Miss Tequila said:

I seriously don't get why you are arguing with Phoenix over a fictitious visit to the urgent care. 

*Shrugs* Maybe SinglemominMD has parents who are unwilling or unable to loan her money when/ife things are tight.

Or maybe, like many YM'ers, you're supposed to struggle when money is tight just to prove to someone that you did it on your own you don't need no help from nobody.

well my parents are dead but when they were alive they would have loaned me money if I had needed it.

and MT seems to always point out how she did it on her own without help from anyone

[Phoenix84]

Mar 10, 2014 16:18:22 GMT -5 @singlemominmd said:

Mar 10, 2014 16:12:14 GMT -5 Phoenix84 said:

*Shrugs* Maybe SinglemominMD has parents who are unwilling or unable to loan her money when/ife things are tight.

Or maybe, like many YM'ers, you're supposed to struggle when money is tight just to prove to someone that you did it on your own you don't need no help from nobody.

well my parents are dead but when they were alive they would have loaned me money if I had needed it.

and MT seems to always point out how she did it on her own without help from anyone

Well, we all know MT is a total Hoss.

I don't think it's really fair to compare the likes of us to MT.

[Miss Tequila]

Mar 10, 2014 16:18:22 GMT -5 @singlemominmd said:

Mar 10, 2014 16:12:14 GMT -5 Phoenix84 said:

*Shrugs* Maybe SinglemominMD has parents who are unwilling or unable to loan her money when/ife things are tight.

Or maybe, like many YM'ers, you're supposed to struggle when money is tight just to prove to someone that you did it on your own you don't need no help from nobody.

well my parents are dead but when they were alive they would have loaned me money if I had needed it.

and MT seems to always point out how she did it on her own without help from anyone

Yes I did so it all on my own. My mother was piss poor so I had no choice. But I don't go thread to thread arguing with everyone and anyone over help (or fictitious help!) they received from their parents.

[Miss Tequila]

Mar 10, 2014 16:21:29 GMT -5 Phoenix84 said:

Mar 10, 2014 16:18:22 GMT -5 @singlemominmd said:

well my parents are dead but when they were alive they would have loaned me money if I had needed it.

and MT seems to always point out how she did it on her own without help from anyone

Well, we all know MT is a total Hoss.

I don't think it's really fair to compare the likes of us to MT.

Lol!!

[toomuchreality]

Did you go to your follow up appt Nancy?   How are you doing?

(I would straight up ask about the narcotics shots, if it was something I wanted to know about. But that's just me/how I roll. )


FWIW I don't have any credit cards. I haven't for years. It sucks when you have a real emergency.
(Isn't being broke, an emergency!? )

[973beachbum]

Mar 10, 2014 16:21:29 GMT -5 Phoenix84 said:

Mar 10, 2014 16:18:22 GMT -5 @singlemominmd said:

well my parents are dead but when they were alive they would have loaned me money if I had needed it.

and MT seems to always point out how she did it on her own without help from anyone

Well, we all know MT is a total Hoss.

I don't think it's really fair to compare the likes of us to MT.

What does it mean that when I first read this, I read it as hot mess?

[Phoenix84]

Mar 11, 2014 15:07:30 GMT -5 973beachbum said:

Mar 10, 2014 16:21:29 GMT -5 Phoenix84 said:

Well, we all know MT is a total Hoss.

I don't think it's really fair to compare the likes of us to MT.

What does it mean that when I first read this, I read it as hot mess?

Maybe because you have a thing for bad boys, folks who don't have their shit together.  You find it exciting.  And that, combined with your repressed feelings for MT caused the misread.

But, in reality, you were probably just reading too fast.

[973beachbum]

I always did have a thing for big hair.