Feb 18th Without Insurance and I’m Still Here

Not having insurance isn’t what I expected.

I guess I wasn’t expecting anything different.  My husband paid the premiums and I paid the medical bills. This was an unspoken agreement between us.  Besides, in most cases I decided if someone went to the doctor or not, so I paid the bill.  If my husband decided that he had to go to the doctor, he paid his own bill … unless I was kicking his butt out the door and dragging him there, then I paid the bill.  Logical.

Most of my whining about insurance and the ever-increasing deductible was in defense of my husband paying a such a huge premium.  When the kids became adults and were taking on their own bills, no one was going to the doctor because no one could afford racking up the expense before insurance kicked in, yet my husband was still doling out $460.00 – $480.00 a month.  A MONTH!

It seems medical insurance is for people who have a couple extra thousand dollars available to spend.  I know every time I went in for my yearly well-being check I racked up about $700.00 in one check-up.  Well that had to stop, what if we had an emergency and I had to cover a deductible.  One year I had a $10,000.00 deductible, if I was having trouble paying $700.00 for one visit how am I going to come up with $10,000.00?

If we look at other spending habits, anytime someone is looking to spend $2000.00 for a car, home repair, or even a vacation, they go to the bank and take out a loan.  With a loan, payments are smaller than insurance premiums and a bank allows more than a year to pay it back.

I’m not saying this is a solution.  I am making a point that medical expenses are handled differently.

You know, I wouldn’t mind paying my clinic a monthly stipend to bank against any future charges I might create.  This would keep any clinic running and keep people employed.  If I rack up charges beyond what I had paid I could raise my payment.  Something else would have to be figured out for hospital charges, but hey, since all those after hour clinics are open now, I haven’t set foot in the hospital or its ER in nearly a decade.  Something could be worked out.

I really liked the Heath Savings Account idea until I realized we didn’t get cheaper premiums.  Not by the time this option was available to us through our employer.

All this is not to say that I will never ever have insurance again.  I just don’t have insurance right now. So I figure fine, I will just set aside money every month before I incur a bill.   If I rack up any medical bills, I will just pay them.  That part still isn’t going to bed any different with or without insurance.  The bonus will be that it won’t disappear when the next year starts.

Well, unless something drastic happens this year, then I might be in trouble.

Here is the thing though.  I don’t really fear that something drastic is going to happen.  I don’t live in fear of not having insurance.  I thought I’d be a little more paranoid than that.


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