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SheilaT

(23,156 posts)

7. The other thing to keep in mind is that if you have insurance,

Reply to liberal_at_heart (Original post)

Tue Jan 1, 2013, 08:58 PM

Jan 2013

the amount charged by doctors or hospitals for whatever you have done, is significantly less than what they charge an uninsured patient.

You might want to research how much it would cost to have a very large deductible, on the order of $10,000, just to get the benefit of the lower charges.

And if you do drop any of the insurance, you absolutely must be rigidly disciplined about putting the former premium money into a separate account that you have earmarked to be ONLY used to pay for medical stuff.

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I swear I'm about ready to cancel all insurance [View all] liberal_at_heart Jan 2013 OP

I gave up dental when I was paying more in preminums... Historic NY Jan 2013 #1

yeah we already decided the vision insurance wasn't worth the money but liberal_at_heart Jan 2013 #2

The question is whether you have the discipline to actually put the money in a savings account. stopbush Jan 2013 #3

I changed my health insurance to a plan with an HSA (Health Savings Account) Lex Jan 2013 #6

in my poorer days Skittles Jan 2013 #14

I don't know how old you are, but I had my gall bladder removed a couple of years ago Booster Jan 2013 #4

The reason premiums are so high is that so many are afraid to cancel. reformist2 Jan 2013 #5

The other thing to keep in mind is that if you have insurance, SheilaT Jan 2013 #7

If you are fairly healthy, consider a high deductible policy. Nye Bevan Jan 2013 #8

I pay 237. per month.... RichGirl Jan 2013 #9

so many people claim they have no time for exercise Skittles Jan 2013 #10

I would love if exercise would solve all my problems liberal_at_heart Jan 2013 #12

I hear you l_a_h Skittles Jan 2013 #13

You may want to rethink about the car insurance. Lady Freedom Returns Jan 2013 #11

Yes, but remember if you get sick and really need care they'll cancel your policy. Scuba Jan 2013 #15

It disgusts me that a thread like this even exists in the 'best country on the planet.' CrispyQ Jan 2013 #16