ForumTitleContentMemberSexCountryDate/Time
PhilippinesSa mga Bisaya dinhi sa VJ
Sa mga bisaya dinhi sa vj karon Dec 24 na didtu sa Phils wala ba mo mingawa didtu sa inyong family nga maka celebrate uban nila? dili ba maka hilak ugma sa Christmas eve dinhi ug sa umaabut nga New years eve? kay sadya kaayo ang celebration sa Phils.
franksonbMale02008-12-23 21:12:00
PhilippinesHelp! my vaccine was inflamed after 5 days of Immunization!

I suffered it for about 2 weeks, only hot compress and i took also advel for my fever. I cant slept the whole night bec. of pain. My immunization at SLEC i dont have any problem, the one here in America for my Adjustment of Status, (transcribe my record). I have chicken fox here immunization bec. it is not in my immunization record. I showed my scars to the Doctor at SLEC that's why i dont have that immunization there in the Phils.

QUOTE (netscot @ Dec 27 2008, 11:25 PM) <{POST_SNAPBACK}>
QUOTE (franksonb @ Dec 27 2008, 08:04 PM) <{POST_SNAPBACK}>
I felt the same also after my immunization here in USA, Bec. they said i need to be immunized chicken fox even though i have scars in my body. after 4 to 5 days it was very painful i felt its like swelling and hot. what my husband did, he used a hot compress bec i cant slept during that night it was pain on my arm.

QUOTE (netscot @ Dec 27 2008, 10:50 PM) <{POST_SNAPBACK}>
QUOTE (ryandgracey @ Dec 27 2008, 07:47 PM) <{POST_SNAPBACK}>
what vaccines were you given? Is not supposed to last that long. Go see a doc.


I received TDAP, MMR, Varicella! I might go to the doctor this afternoon I will just wait my mom! I hope it will be okay soon!Pray for me to get well soon! TY!



Thank you Franksonb. I really feel something hot oh the site of the vaccines and as if I have fever inside. Thanks for the advise. Happy New Year to all!


franksonbMale02008-12-28 00:29:00
PhilippinesHelp! my vaccine was inflamed after 5 days of Immunization!
I felt the same also after my immunization here in USA, Bec. they said i need to be immunized chicken fox even though i have scars in my body. after 4 to 5 days it was very painful i felt its like swelling and hot. what my husband did, he used a hot compress bec i cant slept during that night it was pain on my arm.

QUOTE (netscot @ Dec 27 2008, 10:50 PM) <{POST_SNAPBACK}>
QUOTE (ryandgracey @ Dec 27 2008, 07:47 PM) <{POST_SNAPBACK}>
what vaccines were you given? Is not supposed to last that long. Go see a doc.


I received TDAP, MMR, Varicella! I might go to the doctor this afternoon I will just wait my mom! I hope it will be okay soon!Pray for me to get well soon! TY!


franksonbMale02008-12-27 23:04:00
PhilippinesCan I travel to the Phils, using only Green card and Marriage certificate?
Thank you very much.
franksonbMale02008-12-29 00:57:00
PhilippinesCan I travel to the Phils, using only Green card and Marriage certificate?
Thank you for your reply. Im worried if there are many requirements i will present in the airport if my husband will buy ticket for me thru his credit card.

QUOTE (Teena and Joe @ Dec 28 2008, 09:29 PM) <{POST_SNAPBACK}>
When I flew here in US my husband bought my plane ticket online using his credit card, and they emailed him the ticket number and I just printed it in one of the internet cafe with the boarding pass. I never had a problem at the airport with that ticket. Goodluck and Happy Trip!

QUOTE (franksonb @ Dec 28 2008, 07:38 PM) <{POST_SNAPBACK}>
I mean my main problems...

QUOTE (franksonb @ Dec 28 2008, 07:26 PM) <{POST_SNAPBACK}>
Thank you. My mean problem in returning back here, especially i'm using my husband's credit card he will use in buying my plane ticket. this is my first time my plane ticket purchase thru credit card and i'm travelling alone.




franksonbMale02008-12-28 21:44:00
PhilippinesCan I travel to the Phils, using only Green card and Marriage certificate?
I mean my main problems...

QUOTE (franksonb @ Dec 28 2008, 07:26 PM) <{POST_SNAPBACK}>
Thank you. My mean problem in returning back here, especially i'm using my husband's credit card he will use in buying my plane ticket. this is my first time my plane ticket purchase thru credit card and i'm travelling alone.


franksonbMale02008-12-28 19:38:00
PhilippinesCan I travel to the Phils, using only Green card and Marriage certificate?
Thank you. My mean problem in returning back here, especially i'm using my husband's credit card he will use in buying my plane ticket. this is my first time my plane ticket purchase thru credit card and i'm travelling alone.
franksonbMale02008-12-28 19:26:00
PhilippinesCan I travel to the Phils, using only Green card and Marriage certificate?
My husband will use his credit card when buying my plane ticket, Is there any requirements or papers i will present in the airport going to the Phils and returning here?
franksonbMale02008-12-28 18:36:00
PhilippinesCan I travel to the Phils, using only Green card and Marriage certificate?
Is there any one experienced travelling using only Green card and Marriage contract (especially the filipinos here in Vj)? My passport is not yet amended in my married name. What name i'm going to use when buying my plane ticket? My married name on my Green card or my maiden name on my passport when buying my plane ticket? Can you share your experienced? Is there no problems in returning to the USA?
franksonbMale02008-12-28 18:27:00
PhilippinesMourning after christmas!
CONDOLENCE

QUOTE (RickMj @ Dec 28 2008, 05:09 AM) <{POST_SNAPBACK}>
My 3 years old sweet little girl (grandchild)was killed when a Bus bound to Bolinao from manila ran over her right infront of their house
Witnesses says she was standing outside their home, watching the bus move down the highway, when the accident happened just an hour ago. The child was killed instantly.
The little girl's father(my newphew) was home home at the time.

The ambulance service was called but a spokesman for the alaminos hospital Ambulance Service said: she suffered extensive head injuries and unfortunately, when the paramedics arrived, there was nothing they could do..my poor little girl crying.gif crying.gif crying.gif


franksonbMale02008-12-28 20:38:00
PhilippinesTo all Filipinos have you change your greetings from Merry Christmas to Happy Holiday?
I wonder if Filipino's here in America have change their greetings from Merry Christmas to Happy Holiday?

Edited by franksonb, 22 December 2008 - 12:25 AM.

franksonbMale02008-12-22 00:21:00
PhilippinesLOOOKKKKK!!!!!!
RonnieeKris:

Sigurado na ba gyud ka nga mouli na gayud sa Phils? final decision na ba na nimo? huna-hunaa sa maka daghan kay basin ug maglisud ka ug balik dinhi, naa naba ka AP or GC ?
Ako makauli naku anytime ang ako lang husband kay dili siya pwede mo leave starting oct- december sa iyang work.
mao nang schedule naku muoli kay Feb.-March pa! karon work usa ko ug maayo para makadala ug pasalubong sa mga friends. kinsa man tung mga Bisaya naa gusto ipadala kay akong dalhon inyong mga pasalubong...joke lang !!!

QUOTE (RonnieKris @ Nov 10 2008, 12:27 PM) <{POST_SNAPBACK}>
QUOTE (nowhereman @ Nov 10 2008, 10:52 AM) <{POST_SNAPBACK}>
QUOTE (shining_angel @ Nov 10 2008, 11:33 AM) <{POST_SNAPBACK}>
I am sure the OP doesnt mean go home to stay there but just to visit.

I don't think so... she arrived October 29th on a K1 visa, so it looks to me like they won't get married. If so what an awful ending!


NAWALA NKU ANING TOPICA AHHH.. serious bya jud nga mouli ko ky paulion man ko sa akong fiancee...huhuhuhu.. dili xa gnhan nku ky boang man gud ko .. dili mgtingogtingog.. dah mirise!!!!ohhh hngtud dri nlng ning topic nato huh.. ky bka mstay pa d i ko dri.. hehe

franksonbMale02008-11-10 11:51:00
PhilippinesLOOOKKKKK!!!!!!
Diri gayud naku na compared ang Phils ug ang atong cultures makaingun ko nga proud ko nga filipino ko, bisan sa akong trabahuan proud ko kaayo nga filipino wala naku gitago ang sitwasyon sa Pilipinas, ako gi- sulti sa akong mga co-workers unsa ang nindut ug bati sa Phils, Bisan unsa ba ang akong country ka pobre apan proud ko musulti nga love gayud naku ang akong yutang natawhan. kay daghan sad kaayo nga nindut nga naa sa Phils, nga wla naku makita dinhi, bisan limpyo ang palibut dinhi wla kaayo traffic ug safety ka wla kaayoy mga snatchers hilabi diri sa among dapit sa NC, dili gyud ika ilis sa akong yutang natawhan....ako ikapakita nila nga mga filipino hard worker. bisan asa ibutang mo excel gyud.
franksonbMale02008-11-10 10:10:00
PhilippinesLOOOKKKKK!!!!!!
I hope lang nga dili sila ma discourage kadtu wla maka abut dinhi, kay lain-lain man gud ug situation ang tawo. Naa naka adjust dayun pag abut dinhi naa sad dugay, ug naa sad dili gyud gusto dinhi dili gayud ni ilahang nasud or country nga gusto nilang puy-an. kay kasagaran sa mga filipino gusto man gayud nga mubiya sa ilang yutang natawhan para makakita ug asenso sa kinabuhi, bisan unsa kalisod pag-sulod dinhi gihimo ang tanan para lang makaabut dinhi. ang uban gani kay mag TNT nalang. mao na ang akong mahuna-hunaan nga ako dia na dinhi unya gusto sad mubalik didtu sa Phils. ang ako lang kahadlukan dinhi kun masakit kay mahal ako ning ilahang medical services dinhi, naka sulay naku pag June na adtu ko sa hospital 3 times daku kaayo mi nabayaran bisan naa pa mi medical insurance usa sad ni sa akong mga fears dinhi sa america sa pag-puyo dinhi.
Pag abut naku dinhi gihimu ang tanan sa akong husband para dili ko mingawon sa Phils. ang TV cable Phils program ug naa sad radio station sa Phils dala na ani, para updated ko sa news didtu, makatabang gayud hinoon kay dili kaayo ka mingawon didtu ug sa mga tv shows nila ug news.
Pagkadawat naku sa EAD nangita dayun ko ug work para dili ko mingawon ug malingaw sad ko. ug plano namu next yr. mag vacation mi didtu sa Phils kay ang ako man husband ang niingun nga na miss niya ang Phils. kay twice man siya nag visit didtu gud.
Parti sa mga pagkaon dili ko kaayo mu kaon ug american food mag luto ko kada adlaw ug mga bisaya nga pagka luto. naka adjust ra akong husband sa pag-kaon,kay mag baon ra siya sa iyang work. bisan unsa akong lutoon.
franksonbMale02008-11-09 23:37:00
PhilippinesLOOOKKKKK!!!!!!
Daghan na ta aning gusto mouli sa Phils, ako bisan busy ko sa akong work sa panahon dia ra ko sa balay makahuna-huna naku gusto balik sa Phils, mag sige naku pangutana ako husband kun naa pa paagi maka early retire na siya, kay 44 yrs old paman siya karon. usahay maka ingun ko mag wait lang ko ug more than a year para maka kuha ko ug 10 yrs nga green card. gusto ko dali mu dagan ang oras para 2009 na, ang schedule naku pag visit didto sa Phils..
franksonbMale02008-11-09 21:45:00
PhilippinesAnyone in Cebu?
hello,
im also from Cebu, but im now here in North Carolina.
franksonbMale02008-11-04 21:29:00
Philippinescfo cebu philippines
Maybe it is a legal capacity, you can get that at consular office of america at Waterfront Lahug. It needs only legal capacity if you get married there. The judge asked me to get a legal capacity if we get married there in Cebu.
franksonbMale02008-12-31 23:27:00
PhilippinesSchedule appointment thru online?

This website i used. http://203.177.135.1...tment/login.asp I got my NOA2 December 2, 2007 a few days my husband received the hard copy. I kept on log in my MNLxxxxxxxx number in this website. I didnt call the NVC if my case was forwarded to USEM. December 20, 2007, I got my schedule for interview and medical exam.
franksonbMale02009-01-12 00:57:00
Philippinestraveling on Permanent Resident Card
I will be travelling next week January 20, going back to the Phils. (CEBU) i will stay there for 19 days . Im using only my Permanent resident card, my card will expire 8/7/10 (green card) and my passport is not yet amended so i use my maiden name on my plane ticket. I hope i do not encounter problems going back here.
franksonbMale02009-01-13 01:35:00
PhilippinesAbu Sayaf
I pray for peace in Mindanao in place, where there are muslim rebels (MILF, Abbu Sayaff). They have so many victims now. The kidnapping and asking money for the release of their captured. killing people who can't afford to pay.


QUOTE (Haole @ Jan 17 2009, 03:15 AM) <{POST_SNAPBACK}>
Mindanoa still having problems.

http://www.allheadli...cles/7013728483

Edited by franksonb, 17 January 2009 - 08:10 PM.

franksonbMale02009-01-17 20:09:00
PhilippinesTo All Pinays
During the interview you will give the original copies of cenomar and BC. the pre screener will ask all the documents needed. I have a xerox copies as a back up file. After the interview it will be given back to you.


QUOTE (ranjen0703 @ Jan 11 2009, 01:02 AM) <{POST_SNAPBACK}>
QUOTE (rockbabyrock27 @ Jan 10 2009, 10:42 PM) <{POST_SNAPBACK}>
hey there mga kababayans, just wanna know, I just got here in Colorado, and I'm out of contraceptive pills, anybody here know where to buy? My husband just got laid off and is still in the process of looking for a job, so he lost his medical insurance and cant get contraceptive here in the USA without the doc's prescription, I have been using Althea pills for almost 6 months now, so can anyone have idea where to get the pill? thanks to everyone who will take time to reply. Have a fruitful 2009 everyone.



Hi, I'm a pinay too! Can u please tell me how many copies of CeNoMar and BC are required for the US embassy interview here in pinas? Thanks! Good to know that u'r happy with ur life now!


franksonbMale02009-01-11 01:10:00
PhilippinesTo All Pinays
When i travelled going here I brought many medicines with Doctor's prescription. When the time i dont have left i cant use the Dr. prescription from the Phils here, so I bought some of my medicine from Phils and sent it here. The post office there in our country, want to know/see, what medicines inside the package before you send bec. there are medicines are not allowed to be send here. The in charge in the Phil Post Office they knows what are medicines are allowed to be ship, if it is not allowed then you can't send that medicine they wont accept it.


QUOTE (Rocky_nBullwinkle @ Jan 11 2009, 12:39 AM) <{POST_SNAPBACK}>
QUOTE (RonMay @ Jan 10 2009, 09:30 PM) <{POST_SNAPBACK}>
QUOTE (Rocky_nBullwinkle @ Jan 10 2009, 09:42 PM) <{POST_SNAPBACK}>
QUOTE (rockbabyrock27 @ Jan 10 2009, 06:42 PM) <{POST_SNAPBACK}>
hey there mga kababayans, just wanna know, I just got here in Colorado, and I'm out of contraceptive pills, anybody here know where to buy? My husband just got laid off and is still in the process of looking for a job, so he lost his medical insurance and cant get contraceptive here in the USA without the doc's prescription, I have been using Althea pills for almost 6 months now, so can anyone have idea where to get the pill? thanks to everyone who will take time to reply. Have a fruitful 2009 everyone.


You can go to your local county health services and get family planning for a little or no cost at all. That's what I did when I first got here and before my husband was able to put me on his medical insurance.

Don't get caught receiving prescription drugs from a foreign country especially when it's not prescribed for you. Big deal, big jail time.


that's a good point though... but i am just curios coz the pills was prescribed by my doctor in phil (when i was still in phil anways)... and although fedex and ups wont accept any kind of medicines since they say its not allowed, post office in the other hand accept it and that you'll have to write whats in the package. so my mom always write "medicine" (and among others) in the description and even registered it... i always go claim it to the local post office since its a registered mail/package. and they know and can check whats in it by just reading the description that there's drugs/medicine inside... thats what confuses me if its really a big jail time on my part.


I am probably exagerating. But, I would not want to encourage the practice either. I did some quick checking, and here is what I found:

The FDA's enforcement efforts focus on drugs for commercial use, fraudulent drugs, and products that pose an unreasonable health risk.

  • If a bag or package arouses suspicion, customs will set it aside and contact the nearest office of the FDA or the Drug Enforcement Agency for advice on whether to release or detain the drug product.
  • Even though your bag may not be checked, it is against the law not to properly declare imported medications to customs. Failure to declare products could result in penalties.
  • Possession of certain medications without a prescription from a licensed physician may violate federal, state, and local laws.
  • Prescription drugs should be stored in their original containers, and you should have a copy of your doctor's prescription or letter of instruction.
  • If a drug is detained, the FDA is required by law to send you a written notice asking whether you can show that the product meets legal requirements. If you can't, the drug could be destroyed or returned to the sender.
For more information about the U.S. Customs Service, visit the agency's Web site, www.customs.ustreas.gov.

Edited by franksonb, 11 January 2009 - 12:53 AM.

franksonbMale02009-01-11 00:52:00
PhilippinesTo All Pinays
Try to call Department Of Health near you, because they have a program for family planning or you can send money to the Phils and ask someone to buy for you there and send it here. I sent money to the Phils to buy for my antibiotics there.

Edited by franksonb, 10 January 2009 - 10:02 PM.

franksonbMale02009-01-10 22:00:00
PhilippinesI need help for my tax :(
QUOTE (joelunchbox @ Feb 4 2009, 10:25 AM) <{POST_SNAPBACK}>
QUOTE (franksonb @ Feb 4 2009, 12:06 AM) <{POST_SNAPBACK}>
"I checked married - 0 when I filled out my W-4 during my employment and I can see it in my paycheck"

Because you checked " O " it means no deductions in federal withheld tax. but if you checked " 1 " =exemption for yourself. it means there is a federal tax deductions. you got higher amount of paycheck if you check 0.



Excuse me, but what blocks on the W-4 are you referencing?
If you want MORE money withheld (get more back when you file) you put lower numbers in for your dependents. 0 means more withheld/more money back.

It is possible to tell the government do not take anything out and that you will PAY your taxes when you file but that is on line 7 "EXEMPT" and I don't think that happened here.

Yes, filing taxes is interesting.

I work a part time job (about 10 hours a week) and to make sure that that pay doesn't screw up my taxes I ask that an additional amount be deducted each pay period. That is on Line 6 if you care to do that.


Thats what i answered or filled up in my W4 form when i started working it means i want a deductions from my pay check for federal tax, i dont have any problems. every paycheck i received there is a federal tax deductions and state (NC) tax. i filled up 2 times because i worked first from agency after 3 months the company where i was assigned hire me as a regular employee then another w4 for the new company im working. and it is received by the IRS when my husband filed my taxes separately using taxslayer program. so far i dont see any problems. and it is explained to me first by the person who gave me the w4 form to be fill up. I dont answer anything if i dont understand i need further explainations if im not sure of my answer.

franksonbMale02009-02-04 10:53:00
PhilippinesI need help for my tax :(
all the deductions of my federal tax last year, it will return back to me. bec i worked only 5 and half months. I did not meet the minimum income level requirement to pay federal tax for 2008. In my case, My husband filed my taxes as "married filing separate" so that my tax refund would be separate from his tax refund. my return has been accepted by the IRS now. I should receive my refunds in about two or three weeks because my husband filed my tax returns electronically.I think you fill up Married in your status because we file EAD together with our AOS as a k1 visa holder when we entered here.

But If you file "married filing jointly" then both of your incomes will be considered for tax liability and any refunds issued will be for a combined amount. you can choose which filing status you want to have because there is no legal requirement to file a joint return if you want to keep your income and refunds separate from your spouse.

It is expected for our first time we file our taxes we can experience problems sometimes...but dont worry....
franksonbMale02009-02-04 01:30:00
PhilippinesI need help for my tax :(
it is ok to file the federal and state tax forms even though you had no federal income tax withheld from your paycheck.
If you owe more federal or state taxes it will be indicated as the tax return forms are completed(filled up) You must complete a federal tax return before the state tax return can be completed and submitted.
franksonbMale02009-02-04 00:44:00
PhilippinesI need help for my tax :(
I suggest that you examine your W-4 form to make sure that it is filled out correctly. Maybe you indicated exemption from withholding because you owed no taxes last year and expected not to owe taxes for 2008.

When i filled up my w-4 before i submit back to them, I let my husband review all the answers to make it sure bec. I'm not familiar about their taxes.
franksonbMale02009-02-04 00:20:00
PhilippinesI need help for my tax :(
"I checked married - 0 when I filled out my W-4 during my employment and I can see it in my paycheck"

Because you checked " O " it means no deductions in federal withheld tax. but if you checked " 1 " =exemption for yourself. it means there is a federal tax deductions. you got higher amount of paycheck if you check 0.

franksonbMale02009-02-04 00:06:00
PhilippinesI need help for my tax :(
Maybe you dont fill up in the W-4 form to have federal tax withheld deduction.Bec. if you fill up w4 form withheld federal tax, it will be deducted from your paycheck. try to see your paycheck if there is a federal tax deductions.

I got my w2 form last week while im having my vacation here in Cebu until now, so i let my husband do my taxes using taxslayer online program calculated and submitted electronically. Im glad to know i have almost $ 900 for working 5 and half months only last year. I still have little amount of money to spend there when i come back. This is my consolation after working hard, overtime and sometimes weekend to finish all the works.

franksonbMale02009-02-03 23:30:00
PhilippinesRP has a Guiness record!
In every country there are many unsolved crimes, because there are many evils now in this world roaming around.
franksonbMale02009-02-11 09:12:00
PhilippinesTFC subscriber

Since i arrived here last year we are subscribing to the Directv, TFC direct package with basic package. There are 2 radio stations of ABS-CBN including on it. All packages include some of the local channels here but you can have additional packages or channels you want. You can call International service # or toll free 800- 378-3309.

In our package we add more channels bec. we choose TFC plus the choice package. we paid $ 65.00 monthly. but without the choice package only the TFC and basic you will pay only $ 50.00/ a month. Its nice to hear music and news from their radio stations of ABS-CBN. you can add also the GMA channel if you want for additional cost.
It requires 2 satellite dishes 1 international and domestic. usually installations is free. but if you leave in an apartment building this may not be an option.

They have also internet access for additional fee. Check the www.directv.com website for complete info.

franksonbMale02009-02-11 06:02:00
PhilippinesI miss my life in PHILIPPINES
I think it is a long process with legal papers. I heard Atty. Gurfinkel in his TV show Pinoy Citizen explaining how to bring an adopted child from the Phils. but it takes time. you can call Atty. Gurfinkel bec. he is an expert on visa processing. I heard that you must live with the child for at least 2 yrs. and there's no more communication with the parents of the child is like totally abandon. There is must a legal papers sign by the parents. etc....
franksonbMale02009-02-11 19:52:00
PhilippinesDone with the AOS interview! but problem with passport
I had my vacation a few weeks ago. no problems with re entry into the USA. passport not yet amended.
franksonbMale02009-02-19 13:21:00
PhilippinesDone with the AOS interview! but problem with passport
My passport is not yet amended, I have my vacation a few weeks ago (Jan.20 to Feb.9), I spent there almost 3 weeks. There is no problem in your passport just bring your marriage certificate and green card. when i arrived at my port of entry at Chicago last week,I present my marriage certificate, green card and passport. The woman in charge asked me how long i stayed in the Phils?, thats the only questions... Dont worry, if you will travel if your passport still in your maiden name..many filipina went back to the Phils they dont have any problems...I asked opinion here in VJ first before i decided to buy my ticket. Use the name in your passport when buying your ticket not the name in your green card.

Edited by franksonb, 19 February 2009 - 01:00 PM.

franksonbMale02009-02-19 12:56:00
PhilippinesGoing home to the PHILIPPINES this Saturday
Last month , I went back to the Phils., When i opened my baggage i saw a papers at the top said quality inspected something like that.....all chocolates and soaps and chips ahoy inside my bag.
franksonbMale02009-02-19 19:25:00
Philippineshomeless people
QUOTE (AJAnTESS @ Feb 19 2009, 11:41 PM) <{POST_SNAPBACK}>
QUOTE (franksonb @ Feb 19 2009, 11:32 PM) <{POST_SNAPBACK}>
QUOTE (AJAnTESS @ Feb 19 2009, 11:29 PM) <{POST_SNAPBACK}>
QUOTE (franksonb @ Feb 19 2009, 11:55 PM) <{POST_SNAPBACK}>
In our case we have medical insurance and dental insurance, but only 80% covered and 20% we're the one will pay for it. In major operation we will pay first $ 2,000 and the remaining of the balance insurance will covered 80% and our part is 20%. We can't afford to pay the remaing balance if my operations will cost more than $ 20,000 here, it is still a big amount of money for our part. So we decided to have my operation (Gall bladder stone ) next yr. in the Phils, will pay all after the operation we dont have bills to think after. Thats my fear also here if i get sick. Medical services here is very expensive. I save my salary for emergency use...


I guess you have to check your plan's Explanation of Benefits again. The first $2,000 that you are talking about might be the maximum annual out-of pocket expenses on your part (not including deductible, co-payments, non-covered services, per admission fees and non-network provider charges). Such is the case with my health plan (Blue Cross/Blue Shield PPO). My maximum out-of-pocket is $2,500 for individual coverage. That means that, after I have spent my annual deductible of $250 and $2,500 in co-insurance, I don't have to pay a single cent anymore for the year.



Our Medical insurance is BMS. We should pay first $ 2,000 if major operations.and the rest the insurance will pay 80% and remaining 20% thats our part.


Are you sure there ain't no maximum out-of- pocket expenses proviso in your plan? As far as I know, most medical plans have this.

I will ask my husband about it, when he arrives from work. he is the one explaining me about our medical insurance and dental.
franksonbMale02009-02-19 23:46:00
Philippineshomeless people
QUOTE (AJAnTESS @ Feb 19 2009, 11:29 PM) <{POST_SNAPBACK}>
QUOTE (franksonb @ Feb 19 2009, 11:55 PM) <{POST_SNAPBACK}>
In our case we have medical insurance and dental insurance, but only 80% covered and 20% we're the one will pay for it. In major operation we will pay first $ 2,000 and the remaining of the balance insurance will covered 80% and our part is 20%. We can't afford to pay the remaing balance if my operations will cost more than $ 20,000 here, it is still a big amount of money for our part. So we decided to have my operation (Gall bladder stone ) next yr. in the Phils, will pay all after the operation we dont have bills to think after. Thats my fear also here if i get sick. Medical services here is very expensive. I save my salary for emergency use...


I guess you have to check your plan's Explanation of Benefits again. The first $2,000 that you are talking about might be the maximum annual out-of pocket expenses on your part (not including deductible, co-payments, non-covered services, per admission fees and non-network provider charges). Such is the case with my health plan (Blue Cross/Blue Shield PPO). My maximum out-of-pocket is $2,500 for individual coverage. That means that, after I have spent my annual deductible of $250 and $2,500 in co-insurance, I don't have to pay a single cent anymore for the year.



Our Medical insurance is BMS. We should pay first $ 2,000 if major operations.and the rest the insurance will pay 80% and remaining 20% thats our part.
franksonbMale02009-02-19 23:32:00
Philippineshomeless people
QUOTE (franksonb @ Feb 19 2009, 10:55 PM) <{POST_SNAPBACK}>
In our case we have medical insurance and dental insurance, but only 80% covered and 20% we're the one will pay for it. In major operation we will pay first $ 2,000 and the remaining of the balance insurance will covered 80% and our part is 20%. We can't afford to pay the remaing balance if my operations will cost more than $ 20,000 here, it is still a big amount of money for our part. So we decided to have my operation (Gall bladder stone ) next yr. in the Phils, will pay all after the operation we dont have bills to think after. Thats my fear also here if i get sick. Medical services here is very expensive. I save my salary for emergency use...


I have a friend she shared me about her life, when she was homeless before, she slept on her car in the parking lot at walmart and lost some of her things. she cant hardly buy for her food. she is helping me now. pick me from my work/drive me going home.
franksonbMale02009-02-19 23:05:00
Philippineshomeless people
In our case we have medical insurance and dental insurance, but only 80% covered and 20% we're the one will pay for it. In major operation we will pay first $ 2,000 and the remaining of the balance insurance will covered 80% and our part is 20%. We can't afford to pay the remaing balance if my operations will cost more than $ 20,000 here, it is still a big amount of money for our part. So we decided to have my operation (Gall bladder stone ) next yr. in the Phils, will pay all after the operation we dont have bills to think after. Thats my fear also here if i get sick. Medical services here is very expensive. I save my salary for emergency use...
franksonbMale02009-02-19 22:55:00
Philippineshomeless people
Yes it is true life here is not easy you can make a small house along the road or along the river or anywhere like what people did in the Phils. there are many people in the Phils. living in the called squatter area but here you can't do it. I saw a old couple live the bridge near to our home.
I felt very sad when i was waiting my husband to pick me after my work, bec. i dont have a ride. I wait at walmart here in Asheville, NC, for about 3 to 4 hours bec he is working also 2nd shift on his full time job. I saw a young couple bringing their baby. They are trap and caught in the door by not paying all the groceries in their cart like sandwiches, butter etc..and the Police arrived about 15 mins after and went to the room where they are hold.
I saw also an old dirty man who are trap in the door before living at walmart. about 5 to 6 items on his cart he didnt pay at the counter, all are groceries. that time i was waiting my husband in the counter. I said to my husband will try to see if the man still there outside so that we will buy the groceries for him.

My husband work 3 jobs, 1 full time and 2 part time jobs but sometimes is not enough to pay our bills, mortgage, loans. especially he become a victim when he trade- in the car and the compay got close and dont pay his car. he can't do anything. he is paying to that car not on his hand anymore he can't locate where is it now.DMV wont help him locate where is the car now.The insurance of that company is not enough to pay all their victims...it is very sad. That's the first biggest problem we encountered in our marriage. second paying my medical bills after the deduction of our medical insurance.
Last month i visited Cebu, Phils. when people asked about here. I told them life is not easy there, same as here in the Phils. you should work hard in order to earn money.
franksonbMale02009-02-19 11:22:00