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Share the Bill
Posted by Al S (more from Al S) on Tue, 14 Jan 2003 00:58:20
In Reply to: OT: health insurance venting, Rob85Turbo, Mon, 13 Jan 2003 16:32:47
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If you share in the responsibility for your health the cost goes way down. Instead of paying the national average of $6K/year/person (that's total health care spending in the US) pay for routine care yourself & buy insurance for the big items.
The same idea works with your car insurance. If you don't insist on the Ins Co. paying from dollar one, the rates to cover a loss that would really hurt gets dramatically cheaper.
Rather than pay ~$9K/ year for dollar-one health coverage for my family of four, I opt for a plan with a $1000 deductible which only costs ~$3k/yr. As a family we rarely spend more than $1200/ year out-of-pocket- saving $4-5k/year. Put it in the bank in case you need it some rainy day.
There is a built-in restraint to over utilization but everything important gets covered. It?s a lot like auto ins with a large deductible: you drive a little more carefully & park at the far end of the lot to avoid dings
posted by 67.117.5...
Posts in this Thread:
- OT: health insurance venting, Rob85Turbo, Mon, 13 Jan 2003 16:32:47
- Thank god I work for them...really cheap...., Robert, Tue, 14 Jan 2003 19:14:24
- try working for the feds....insanity.., Chris M, Tue, 14 Jan 2003 14:08:34
- Share the Bill, Al S, Tue, 14 Jan 2003 00:58:20 <-- Viewing This Message
- Health insurance - both good and bad, saabaru, Mon, 13 Jan 2003 21:19:53
- Re: OT: health insurance venting, bengen, Mon, 13 Jan 2003 20:59:22
- I hear you loud and clear. For every year I stay here, Anders, Mon, 13 Jan 2003 19:50:06
- Re: OT: health insurance venting, EGD , Mon, 13 Jan 2003 19:47:53
- thank God I'm Canadian...., Rollmo, Mon, 13 Jan 2003 18:47:12
- Re: OT: health insurance venting, Noel, Mon, 13 Jan 2003 17:41:59
- what did you expect for 1200$/year ?, a full insurance, johnw, Mon, 13 Jan 2003 17:41:17
- Blue Cross/Blue Shield discriminates, Scott Paterson , Mon, 13 Jan 2003 17:25:35
- Stinks, but..., Dan W, Mon, 13 Jan 2003 17:07:46
- Yup. How about constant denials of coverage?, Terraplanem, Mon, 13 Jan 2003 16:54:15
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