My insurance premiums were so high a couple years ago that I had to cut back to “catastrophic coverage only.” Now that premium has just increased $43 per month, which, if my math is correct, is an increase of somewhere around 20%!
The biggest problem with my current plan is that I have a $5,000 deductible. Nevertheless, I have faithfully gone in for all my routine check-ups, despite the fact that I’m a pretty healthy person. I naturally want to stay that way.
In the last few months I’ve had my eyes examined, my teeth cleaned, a surprise cavity under a crown filled, a few Xrays, some acupuncture, some chiropractic adjustments, some deep tissue massage, and an ultrasound.
With the exception of that surprise cavity, I’m “fine.” Despite the fact that my left calf has been 2 inches larger in circumference than my right one for four months, no one can tell me what’s up with that.
And yet I’m out many thousands of dollars with no help from alleged “insurance.”
I have, however, found a way to still come out “ahead” in all this. Two years ago I set up a totally separate bank account to save the difference between my new insurance premiums and the previous amount I was paying.
What I set aside each month easily paid my doctor bills this summer, AND there’s still more than enough to book another fabulous vacation in my near future. I’m all checked out, so I’m just going to keep on having fun!