Tweet
Am i the only young person in the world that gets the best insurance plan i can specifically because i do high risk activities? I almost never go to the Dr, but i also know that if something does send me to a hospital itll most likely be a serious accident because of my kart racing and other outdoor activities.. ER bills are expensive.
-
-
For cost scaling with insurance, my wife just had rotator cuff repair surgery in June, with a total cost out-of-pocket right at $2500 for everything using in-network providers. Our health insurance plan has a $600 deductible (per family).Comment
-
The typical costs of healthcare for an individual don't increase much until around 50 years old. However, you're at an age where significant health problems can and do arise. If I were in your shoes, I would protect your personal finances by buying the insurance. I would also look into life insurance if you don't already have it.
When the government pays, the government controls.Comment
-
I know you know this - accidents of all types happen in a flash. I know 4800 sounds expensive per year, but it's better to consider that cash gone and part of living expenses.Originally posted by bcoop View Post
Either that or research the ins/outs of how folks without insurance make it through serious problems and such. The ones I know, typically have long term problems since a hospital will patch it up, but not fix any underlying damage from a problem.
i.e. one guy busted a finger tendon on a trailer that hit his hands. They took care of the deep cuts with stitches, sanitized it and put on some nice bandages. That finger does not bend anymore though. It costs too much to get that fixed at a "specialist".
Other story is a broken wrist, patched up but can't bend hand right now...etc...etc.Originally posted by MR EDDComment
-
I've had 3 trips to the ER since I've been on my own insurance policy (5 years now). The first time was the second day my insurance was effective. I know I need it, but it sounds like you aren't as accident prone as I am. However, $5,000 a year might set you back a bit, but a big hospital bill would set you back so much more.Originally posted by BroncojohnnyComment
-
I had a fantastic plan when I was married, and did a lot more high risk shit back then because of it. It was also dirt cheap. And since I'm not covered now, I tend to shy away from high risk stuff these days. Even the best plan we have fucking sucks.Originally posted by Ruffdaddy View Post
Insurance is just so goddamn expensive these days. Thanks a lot, Obama.Originally posted by BradMOriginally posted by LeahComment
-
Ceyko is correct...My dad fell down some attic stairs...fucked him up pretty bad. Seemingly easy mistakes can cost several 10 grand.Comment
-
More interested to hear how she is recovering, than the out of pocket cost. This is something I've struggled with ever since it happened. I did have insurance back when it happened, but did some research and heard/read so many horror stories of people who only got worse after the surgery so I decided against it. It's at the point now, where I don't want to continue living like this. Some days I can't move my arm at all. I can't get a good night's sleep. I'm limited in movement and activity. I need help doing things I shouldn't need help doing. It fucking sucks. Even knowing it may not do any good, I'm almost to the point of not caring, I just want a chance at some kind of possible relief. Thank God it is my left arm and not my right, or I wouldn't even be able to rub one out.Originally posted by The King View PostLast edited by bcoop; 09-01-2015, 10:09 AM.Originally posted by BradMOriginally posted by LeahComment
-
I hate paying for insurance, but I look at it as a necessary evil.
Also, I have had insurance since I was 20 years old. I have paid probably 50 grand in that time and only had one hospital visit for myself. That one ER visit cost me 3k out of pocket which probably was 15k overall in insurance cost. That visit plus 2 kids being born, plus random stuff my wife has had happened has been well over 50k I am sure.Comment
-
I used to have massive shoulder pain untill i stopped throwing footballs, lifting 300+ on bench, and sleeping only on my side.
A good mattress really helped as well.Comment
-
Not directly related to your post, but the one good thing I have heard about the Affordable Healthcare Act is that pre existing conditions are no longer an issue.Originally posted by bcoop View Post
There was about a year after I got out of the Army (1997) that I didn't have health insurance. I honestly do not believe that I have come close to breaking even but between wives and kids, I absolutely have.
Hell, one of the main reasons I have not tried to get out of corporate America and do my own thing is fear of not having health insurance (for a reasonable cost). I know I can buy it on my own but that shit can get crazy expensive. And Lea's options as a teacher are just about as bad as buying it on our own.Comment
-
I know this is playing a role. I'm a side sleeper. I can't sleep when on my back or stomach. And when I sleep on my side, I toss and turn due to pain. I can't win it seems.Originally posted by Ruffdaddy View PostOriginally posted by BradMOriginally posted by LeahComment
-
I'm a side sleeper too, but mainly on my left side. Between about 16 and 20 years old I dislocated my right shoulder 4-5 times. Of course I never went to the Doctor.. I can't sleep with my right arm under my head like I love to do on my left side.Originally posted by bcoop View PostComment
-
All it takes is one ditzy broad driving and texting to T-bone you at an intersection (and of course, liability only) for you to be in debt to the hospitals for the rest of your life.
You can't afford to NOT have health insurance.Comment
-
aflac is a good thing to have. it's cheap and will save your ass if needed.Comment
Comment