I currently have really good health insurance. And by “really good” I mean I pay a fortune in premiums, and my insurance company pays for almost nothing. Oh, and at least once a year I have to spend hours on the phone fighting with my carrier over some stupid little thing.
I’ve never come anywhere near my very high deductible, but the lower premiums have saved me thousands of dollars over the last five years. I really just carry insurance to prevent personal bankruptcy in the case that I actually get something really bad like cancer or a heart attack. And for that I accept all the mistreatment I receive from my insurer, because I really want insurance. I want the peace of mind. Up to now, I was afraid to try and change insurance companies because when we first shopped for individual insurance, we were rejected by several carriers. (Those guys missed a chance to make a small fortune on us over the last five years; that makes me very happy.)
I’ve been reading the comments of some healthy people on the blogs about the new health care law going into effect in January. How they are so healthy, they are just going to go without insurance and pay the penalty. But I actually want health insurance. The simple fact is we’re all going to die from something someday--life is terminal. And I’m guessing you’re going to want to get treated for whatever that is, and probably for a few things before that. My mom was super healthy until she got cancer and died at the age of 44.
Anyway, I will be shopping for new insurance tomorrow since a) our carrier just dropped us, and b) I will now be able to get coverage to replace it. I will be checking out the new exchanges starting tomorrow and comparing that to the coverage I can get directly through insurers and through brokers. I started the research about a month ago, and it looks like overall, we’ll be in the same place financially—we’ll pay a little more in premiums, but the insurance will actually pay for a few of the things we use each year, like going to the doctor. So I’m guessing we’ll break about even.
But I haven’t posted about all this yet because I don’t want to jump into the fray of all the people saying how awful or wonderful it will be under the new law based on nothing more than conjecture. After tomorrow, I’ll have some actual facts and will share what I learn.
That is if the world doesn’t come to an end tomorrow.
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