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Tuesday, December 25, 2007

Health Insurance Costs Less than Medical Bills

While I lay here in my hospital bed recovering, I can't believe how fortunate I am. Thank goodness for my loving wife and successful children. Thank goodness for the doctors and the hospital who knew enough to bring me back to life after my heart attack. But especially thank goodness for my wife forcing me to buy a temporary health insurance plan over the internet to provide insurance during the gap in my coverage.

Since I was only 50 years old and never had health problems, I thought that paying for insurance before the benefits at my new job started would be throwing money away. COBRA coverage that my previous job offered was much more than I was going to pay for health insurance. There was a three month waiting period from the time I started my new and better job and the time that my medical benefits began.

My wife and I searched the internet for something affordable. We found coverage for three months for around $200 at http://www.short-termhealthinsurance.com. That was the cost of a couple of rounds of golf that I did not want to spend. But my wife forced me to get it. My hospital bill is approaching $40,000 now because I got the best care possible. That would have cost a lot more rounds of golf than the insurance did.

The two lessons I learned is never go without health insurance, and always listen to my wife.

4 comments:

DDay said...

You are obviously intelligent, or at least your wife is. Things happen to people when they least want it to happen. Buying temporary, catastrophic, insurance makes sense, but most people feel that they are invincible. Good going.

38 going on 80 said...

If only my mother could have been offered the health insurance you purchased. She lies in her grave, because in the 80's, there were fewer options for coverage.

She didn't want to bankrupt her family by seeking care without insurance, and the only way to afford insurance was through an employer. So she waited until either her or my dad's company would offer insurance. One long year passed, while the cancer devoured her.

I can only hope that those days are in the past, and the working class can be given the same opportunities to buy the life saving insurance you had the good fore thought to purchase.

I hope your recovery goes well.

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