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RE: Responsiblity - 7/13/2009 2:05:08 AM

ChasingOblivion

Posts: 125
Joined: 5/19/2009
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I have comprehensive health insurance coverage, so this really wouldn't be an issue for me. However, if you aren't insured and are concerned about who would cover the costs of any potential injuries, I think that's something you should discuss before playing, not after.

(in reply to LATEXBABY64)

Post #: 41

RE: Responsiblity - 7/13/2009 7:22:51 AM

stella41b

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quote:

ORIGINAL: justme1980

I believe that the Dom/me is responsibile for the scene, If I am hurt directly or indirectly by something they did, they will be responsible for all medical bills resulting from that scene. If they fail to own up, four simple words
SEE YOU IN COURT

I disagree.

I am responsible. I have been responsible ever since I was born, responsible for all the thoughts that occurred inside my head, responsible for all the words that ever came out of my mouth, responsible for all my decisions and for all my actions and all the things that I have done.

Not just responsible for my thoughts and opinions, I am also responsible for my feelings and intentions and I share equal responsibility in any relationship which I choose to enter and I also share equal responsibility in all the things and activities which I consent to, either explicitly or implicitly.

I have a mind, I have eyes, I have a tongue, I have legs. I have a choice whether to abdicate responsibility or not.

I choose not to, and I am responsible for that decision.

I share the responsibility if things go well in a relationship just as much as I share the responsibility when it doesn't.

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(in reply to justme1980)

Post #: 42

RE: Responsiblity - 7/13/2009 7:25:40 AM

sirsholly

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Post #: 43

RE: Responsiblity - 7/13/2009 7:50:49 AM

RCdc

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quote:

ORIGINAL: Missokyst
I am aware this is unusual and I am very thankful for the blessings of health, decent children, good genes and the knowlege that I can take care of myself. And when I cannot.. well.. thats why I raised such caring and decent children. We think of things as a co-op here. And I am still the highest bread winner.
Kyst

Out of interest (from someone in the UK) I get that people can be healthy et al. But what happens if you are in a car accident or a bike? Trip and breka something or hit your head? Or someone hits you walking down the street? Act of god or something (flood etc) - what if there is a fire? If it's someone elses fault, do they have to pay the medical bills? But what if it's your fault, or no fault is determined?

the.dark.

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(in reply to Missokyst)

Post #: 44

RE: Responsiblity - 7/13/2009 7:56:13 AM

sirsholly

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quote:

ORIGINAL: Darcyandthedark

quote:

ORIGINAL: Missokyst
I am aware this is unusual and I am very thankful for the blessings of health, decent children, good genes and the knowlege that I can take care of myself. And when I cannot.. well.. thats why I raised such caring and decent children. We think of things as a co-op here. And I am still the highest bread winner.
Kyst

Out of interest (from someone in the UK) I get that people can be healthy et al. But what happens if you are in a car accident or a bike? Trip and breka something or hit your head? Or someone hits you walking down the street? Act of god or something (flood etc) - what if there is a fire? If it's someone elses fault, do they have to pay the medical bills? But what if it's your fault, or no fault is determined?

the.dark.

it only takes one injury/illness to cause bankruptcy. If it is someone elses fault and they refuse to pay, you can take them to court...but in the meantime those medical bills still need to be paid.

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Post #: 45

RE: Responsiblity - 7/13/2009 8:02:26 AM

RCdc

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Thanks holly. I assumed that the bills had to be paid even if it was anothers fault. I just wondered how hospital management would be if made to wait. I am again going to assume that they would be just like any other business in that sense.
What if you are in a fire or flood or something like that and have no insurance? I couldn't fathom people taking that risk.

the.dark.

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Post #: 46

RE: Responsiblity - 7/13/2009 9:26:47 AM

agirl

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Joined: 6/14/2004
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quote:

ORIGINAL: Darcyandthedark

Thanks holly. I assumed that the bills had to be paid even if it was anothers fault. I just wondered how hospital management would be if made to wait. I am again going to assume that they would be just like any other business in that sense.
What if you are in a fire or flood or something like that and have no insurance? I couldn't fathom people taking that risk.

the.dark.

That was my thought too. My daughter had a stroke a year or so ago and spent about 3 months in hospital, not to mention all the rehabilitation services afterwards, for the following year. I can't imagine how that would have affected me if I was in the US with no insurance. I wonder if health insurance is far more expensive than the amount we pay toward the NHS?

agirl

(in reply to RCdc)

Post #: 47

RE: Responsiblity - 7/13/2009 9:34:53 AM

sirsholly

Posts: 42360
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quote:

ORIGINAL: agirl

quote:

ORIGINAL: Darcyandthedark

Thanks holly. I assumed that the bills had to be paid even if it was anothers fault. I just wondered how hospital management would be if made to wait. I am again going to assume that they would be just like any other business in that sense.
What if you are in a fire or flood or something like that and have no insurance? I couldn't fathom people taking that risk.

the.dark.

That was my thought too. My daughter had a stroke a year or so ago and spent about 3 months in hospital, not to mention all the rehabilitation services afterwards, for the following year. I can't imagine how that would have affected me if I was in the US with no insurance. I wonder if health insurance is far more expensive than the amount we pay toward the NHS?

agirl

it is not just the patient that is affected.

When my late husband was admitted to an ICU unit for the last time i had a bunch of legal paperwork to sign...accepting liability should our insurance not pay the bills.

Friends were watching our home and had emergency power of attorney to sign our checks to pay the bills. They did not realize (i failed to tell them) that there was a payment book used for out secondary insurance.They did not know, and the insurance was not paid. It was canceled after two months...totally my fault.

Our secondary insurance was to pay the 20% the primary insurance did not cover. When it was over, i owed the hospital well over 500,000.00. Bankruptcy was my only option.

So, not carrying insurance does not just affect the patient.

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(in reply to agirl)

Post #: 48

RE: Responsiblity - 7/13/2009 11:27:17 AM

sweetsub1957

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Joined: 4/28/2009
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I realize this opinion may be very unpopular & I may get blasted for it, but I think if the sub agrees to a type of play that she knows can cause her injury, what happens happens, and the sub is responsible for the medical bills. It's a grown up's game and if someone doesn't want to be a grown up and take personal responsibility, then she shouldn't be playing it. Taking responsibility for putting oneself in harm's way is part of the deal, in my opinion. If the Dominant offers to help pay any ensuing medical bills, that's one thing, but I wouldn't ask him to.

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(in reply to LATEXBABY64)

Post #: 49

RE: Responsiblity - 7/13/2009 1:39:47 PM

Missokyst

Posts: 6041
Joined: 9/9/2006
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And yes.. like Alexandra says below.. the deductible is often more than the bill.

yes these things have come up in my life. I had a motorcycle accident, another time my daughter broke a leg, life happens. In the UK and Canada there are health care programs. Here in the USA I would say that many of us have no health insurance .. it is the major reason so much of our politicians try to introduce or override bills to insure that we do have coverage. The poor have coverage, the rich have coverage, but we in the middle class need to have it supplied to us by our employer.. and me in particular as someone slightly above middle class need to set priorities to insure I CAN take care of myself.
My children are grown and all have jobs with coverage. It is only me who is self employed who does not. As for floods, fires, car accidents ect, I am covered by my home insurance (also required by law if you are buying a home) or car insurance which said was mandatory here.
A few years back I was in a job where I had daily stress, so much so that I would break out in hives every sunday night knowing I would have to go back. I ended up in the hospital for the day with hypertension, which was covered, But the other tests, the stress test, the physical, ect.. that was on my dime. and it was $$$$.
It would be nice to have health insurance, but it is too difficult to justify paying 400 and up per month for something I normally have little use for. Life is a balance of necessities, wants and extravagance. I pick and choose what I regard as important (for instance my car is 1995), and save for the unexpected.
Life in the USA.
Kyst

quote:

ORIGINAL: Darcyandthedark

quote:

ORIGINAL: Missokyst
I am aware this is unusual and I am very thankful for the blessings of health, decent children, good genes and the knowlege that I can take care of myself. And when I cannot.. well.. thats why I raised such caring and decent children. We think of things as a co-op here. And I am still the highest bread winner.
Kyst

Out of interest (from someone in the UK) I get that people can be healthy et al. But what happens if you are in a car accident or a bike? Trip and breka something or hit your head? Or someone hits you walking down the street? Act of god or something (flood etc) - what if there is a fire? If it's someone elses fault, do they have to pay the medical bills? But what if it's your fault, or no fault is determined?

the.dark.

< Message edited by Missokyst -- 7/13/2009 1:58:57 PM >

(in reply to RCdc)

Post #: 50

RE: Responsiblity - 7/13/2009 1:56:50 PM

AlexandraLynch

Posts: 778
Joined: 3/24/2008
Status: offline

I have no insurance. The insurance offered to us does not pay anything until we have paid $5000. It then pays seventy percent of costs only. It excludes anything either of us has ever suffered from or conditions arising from that. They may cancel it at any time and demand repayment of what they have paid out. And for this they want two-thirds of our net income.

Sorry, I'd rather keep the lights and heat on.

I'm walking on a dislocated foot joint I cannot have treated. I haven't had a pap smear in ten years, so I may currently have cervical cancer and not know it. If I do wind up having cancer, I know where we keep the key of the gun cabinet, and will commit suicide. This isn't melodrama. It's just reality for many working-class people.

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Post #: 51

RE: Responsiblity - 7/13/2009 2:12:39 PM

DesFIP

Posts: 25191
Joined: 11/25/2007
From: Apple County NY
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quote:

ORIGINAL: UglyTruth

Indeed it is. Both parties are responsible. Is the Dom/me not the one in charge?

In charge of what? Is he somehow responsible for me being a klutz and falling off the high heels? Not in my opinion. The scene was not risky, we don't do edge play. But accidents happen.

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Post #: 52

RE: Responsiblity - 7/13/2009 5:25:46 PM

LATEXBABY64

Posts: 2107
Joined: 4/8/2004
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there are two hypthetical paths we can take on this one if we knowing the person is safe sane and knows what they are doing and still a mishap happens two your trust in another person that had no clue but lied his or her ass off to play with you
so whos acountable or do we use that phrase it sucks to be you I would hope not I would hope people would be a lot more considerate of others in a humane way to say we did it together just my take

(in reply to DesFIP)

Post #: 53

RE: Responsiblity - 7/13/2009 6:22:20 PM

DemonKia

Posts: 5521
Joined: 10/13/2007
From: Chico, Nor-Cali
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Well. Huh. Okay. This is a thread that mostly exists because the US is the only industrialized, modern country on the planet that has no form of universal access to health care.

Some notes about what's been said, above:

Only some of the poor have some coverage thru the federal program (Medicaid) for poor people. The cut-off is pretty low, so most working-class-but-poor persons don't meet the criteria to be covered.

Emergency care is the only kind guaranteed in the US. Emergency rooms are not allowed to turn anyone away. It's care for chronic conditions, preventive care, that sorta thing, that's less-than-accessible . . . . .

Ah. According to a recent report, 3/4 of those who've ended up in bankruptcy court due to medical problems had some kind of medical insurance . . .. . .

As to the OP: I have not engaged in play that could send someone to the hospital, & I'm not inclined to go there . .. . . lol . .. . Could say I have a bit of a fetish for safety . . . . Plus I don't have the resources to pay for an emergency room trip; frankly, most people I know don't . . . . Even those with good jobs & their own homes would be screwed if they actually had to pay for a trip to the ER, much less a stay in the hospital . . . . .

Last year I got to help shepherd / moral support a friend of mine thru the welfare system after he had a car accident & a 4-hour trip to the ER. He didn't wanna get 'welfare' but there was also no way he could afford the $3,000+ bills that showed up . . . . . But I don't qualify for the medical welfare program so the $25,000+ bill for my emergency 4-day stay in the hospital for a kidney infection last July is just sittin' out there, ruining whatever credit I had . . . . .

Good topic, definitely food for thought & something to add to the negotiation list for us Americans . . . . .

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(in reply to LATEXBABY64)

Post #: 54

RE: Responsiblity - 7/13/2009 6:48:50 PM

Missokyst

Posts: 6041
Joined: 9/9/2006
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Right. We are required to have car insurance to pay for damage to another car. Most insurance here carries a high deductible even if you are insured and often meeting that deductible is more than the cost of repairs. If you own or are buying a home you are required to have insurance to protect.. not you or your home.. but the lender! And once again the deductible is ridiculous.
Just don't get sick. Avoid it. That seems to be the mentality here in the USA for a large number of Americans due to rising costs of insurance and the resistance for your insurance to approve any treatment.
Basically we are screwed.
Kyst

quote:

ORIGINAL: DemonKia

Only some of the poor have some coverage thru the federal program (Medicaid) for poor people. The cut-off is pretty low, so most working-class-but-poor persons don't meet the criteria to be covered.

. But I don't qualify for the medical welfare program so the $25,000+ bill for my emergency 4-day stay in the hospital for a kidney infection last July is just sittin' out there, ruining whatever credit I had . . . . .

(in reply to DemonKia)

Post #: 55

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