About Skimping On Health Insurance For People Like You And Me
About Skimping On Health Insurance For People Like You And Me
People of younger ages never seem to care that much about their health future and they eat and drink whatever they find and hear it is good for you, but when the years advance, then their bodies pass on them a huge bill and demand for doctors and clinics services.
I found out that there have been a lot of posts about skimping on health insurance online these days, many posts about go high deductible etc. But I just want to make the point on why you should not go cheapest and learn from this post about expensive health insurance spending and billing to you from the service providers.
12 weeks ago my older sister was perfectly healthy, 0 medications, perfect blood pressure, heart healthy like a very young girl, she always was going to the gym 7 days a week to achieve her great exercise and she also was practicing clases of yoga 6 days a week to have a very peaceful mind and soul. Let's say she is a very busy mom of two, full time job, etc. She had this annoying pulsating tinnitus that had started that she was seeing the doctor for along with some repeat sinus infection issues. Suddenly excruciating headaches started and then clear fluid dripping from her nose. Tests confirmed it was brain fluid. Fast forward 6 weeks. She have had 4 MRI units, 2 ct scans, X-rays, blood tests, medications, an average of three doctor appointments a week, a four hour surgery done by two surgeons to repair a hole in her skull that was caused by my brain herniating through from high pressure. 4 day stay in neural ICU trauma unit. Now this is all really rare, like 1 in 200,000 people this happens to. But my point is, you might be super healthy today and then tomorrow , you are suddenly not.
Make sure you aren’t restricted to only certain doctors (my specialist had to refer me to different specialist at a different hospital because they weren’t even equipped to deal with it) and if you are going to go high deductible, make sure you squirrel away a lot of $ so when you are suddenly not perfectly healthy.
Comments
I can't imagine me visiting my doctor and no health insurance, I think they will report me to the credit bureau and I won't have credit anymore. It is better to work and pay a monthly payment for insurance coverage, it is the right thing.
I always feel some how hate that you are dealing with these health issues. I would also just like to add some info about the place where I live, if you purchase insurance for yourself and not through an employer, There are only HMO and EPO plans available. No PPO so you must stay in network and see their doctors.
Customers like us can’t choose any doctor.
I know this well because I’ve been a licensed health agent for 11 years.
Agree, it is something very true! Get the best health insurance company to sell you the best insurance coverage for your home, the cars and your family 's health. Even on Medicare buy a good supplement instead of advantage plan. You never know when the worse can happen. Car wreck, trip and fall, cancer, stroke and etc.
The bad guy had fled the country with their son and diverted money over seas. Like most everyone’s divorce the child family felt like I was in a Lifetime Movie.
10 years later they are self sufficient and happy. He did come back but was put in jail…
I tell you that even with a 1 million cancer limit we easily surpassed it! If you reach your limit the best option is to enroll in a study and hope it works great for you.
I was wondering if you did check into it? Often it's not legal without your OK?.
Apparently the runny nose thing is a good clue.
Hope you're on the mend soon. Thanks for the valuable warning and for sharing your story.
I must agree with you as well. The insurance and health industry is so broken though. I’ve always paid for a better quality plan, silver tier ir whatever, with lower deductibles. But the max I could pay when I was pregnant came with a low deductible and an out of pocket max of $17,000. When I gave birth, tons of things went wrong with me and baby and now we are slowly paying down medical debt that was about $16,000 after insurance. Birth should never put someone into debt when raising a child is already so expensive
This is very sad. Healthcare in the US sucks. No one should have to be without healthcare or dependent on another person for coverage.
3 years ago my mother's cancer came back after 14 years. We were soo grateful to have insurance. Being caught between not being able to afford insurance and not qualified for free health care tugs at my heart.
What a sad insurance story!!! Wow...so incredibly sad to hear you had to go through this. Just dealing with the health issues is extremely stressful but then to have to worry how to pay for it adds another huge stress!
My sister's former husband abruptly canceled her health Insurance just to be mean. She had cancer, heart failure. I remember it took years to pay off the cost of her stay in the hospital. Fortunately she has insurance now, but that was so scary for me and her. So sorry for what you are going through. I wish you the best insurance coverage.
My sister's former husband abruptly canceled her health Insurance just to be mean. She had cancer, heart failure. I remember it took years to pay off the cost of her stay in the hospital. Fortunately she has insurance now, but that was so scary for me and her. So sorry for what you are going through. I wish you the best insurance coverage.
My sister's former husband abruptly canceled her health Insurance just to be mean. She had cancer, heart failure. I remember it took years to pay off the cost of her stay in the hospital. Fortunately she has insurance now, but that was so scary for me and her. So sorry for what you are going through. I wish you the best insurance coverage.
Apparently the runny nose thing is a good clue.
Hope you're on the mend soon. Thanks for the valuable warning and for sharing your story.
They say 1 in 100,000. I wish I knew I had it so I didn’t blow a hole in my skull over doing it! Now that I know I feel I can manage the symptoms but before I had no idea I even had it. Just the pulsating tinnitus.
However, Hypertension seems to be way more common than I realized. Glad you are okay!!
I must agree…changed to employee medium coverage plan with high deductible and a lot more health problems this year! Stinks…had better coverage last year with no problems
Exactly. My alternatives were pay up front for ins or pay high deductible IF needed. The high deductible allowed for an HSA which is not taxed as income, and never taxed when used. Also you can invest HSA if you have over a minimum amount like a few thousand. For me it was the best choice for the same funds.
One real good example of why choosing a HDHP with a fully funded HSA, is the best strategy when choosing your health insurance plan, trust me. Best wishes for a complete recovery to you.
I thought your insurance paid your medical bills in he USA
That's very strange. Anyways, I use the insurance company Ordiway (Dean Ordiway Agency, Inc. American Family Insurance). I hope you have a very large amount in your HSA.
We put the maximum in every year. I had a hip replacements and another surgery in my leg last December, physical therapy, etc, and we still paid less out of our pocket than if we had stayed on the most expensive insurance plan.
Our case is that for us it came down to financial numbers. We pay less for high deductible insurance, out of pocket, etc. when it's all said and done using tax free HSA. And if we don't end up using the HSA every year, that tax free money keeps earning interest and is available.
Thanks for the advice, and I pray you will recover soon and be back to normal. Prayers for a continued recovery and you be fine soon.
I agree with you - at my job we have 3 options - I go with the middle plan, and I think that is s very wise advice! I hope people will listen to you.
Sorry, maybe you can tell me what the premium is, please.. I’m paying Emblem 205. Per mo. Plus 15. Co pmts. Thanks