March 29, 2013 4 Comments
Unc’s post reminded me to tell my story. So with unemployment comes a new healthcare insurance plan. It’s called “DON’T GET SICK!”. The idea is that if you don’t get sick, you won’t need healthcare. What could go wrong?
My wife and I agreed that with three kids we needed supplemental DON’T GET SICK! insurance. We found a Blue Cross/Blue Shield short-term plan for $350 a month, no physicals required. It isn’t great insurance. The copays and deductibles are high. It doesn’t cover pre-existing conditions. If I had another grand mal seizure and spent three days in the hospital it would cost many times more than the $3,000 I had to pay with great insurance. So as part of the DGS plan I’m extra careful about taking the medicine prescribed after the last seizure.
Still, it’s an improvement on the previous DON’T GET SICK plan. If nothing else it will keep us from being financially ruined in case we can’t avoid DON’T GET CANCER, DON’T HAVE A HEART ATTACK, and DON’T GET IN A DEBILITATING ACCIDENT.
Or DON’T BREAK YOUR WRIST. Right after we applied for the short-term policy the girls had a roller skating night with their school. I’m watching kids fall down left and right and thinking what a damned dangerous sport roller skating is. I counted off five people I knew who had broken arms on rollerskates.
Sure enough, Katie fell and sprained her wrist. My wife wanted to rush her to the emergency room – a $250 deductible on our good insurance, and who knows how much on DON’T GET SICK! supplemental insurance. When Katie wasn’t complaining about her wrist she could run around and dance, so I didn’t think it was serious enough for the ER. I Googled and found out that for minor sprains the treatment is ice, ibuprofen, and a wrist brace. We did all of that and she was fine in a couple of days. We’re definitely more discriminating users of healthcare than before.
My wife landed a job right after that, and we start on her insurance first of April. It’s much better insurance and doesn’t cost that much more than the DON’T GET SICK! supplemental insurance – about $600 per month for a family of five – because her company pays part of it. It eats up a big portion of her paycheck, though, and is going to rise $250 per month in October due to Obamacare. We’re hoping I’ll get a job soon to bring in more income and with any luck lower insurance premiums.