Tell Me Again Why I Have Health Insurance?

blue floridaThis is a good illustration of one reason why health insurance is so screwed up.

Ok, I don’t need a string of comments telling me the obvious, WHAT IF? CATASTROPHE Stuck and I had some serious medical  bills.

But this goes along with one reason why I went for some 15+ years without paying for health insurance.  Youth and health on my side coupled with healthy lifestyle choices kept me out of the doctors offices and hospitals for all those years.

Like I pointed out in a previous post, it should be called Disease Management and Potential Catastophe Insurance and not Health Insurance.  The lifestyle choices I make are more aptly named insurance than any silly policy I can pay for.

Now here’s my rant.

I received my year in review report from blue cross today and i had a total of $1700 in bills for health care for 2009

BCBS only paid $500 and I had to pay $250 out of pocket. This doesn’t include the $2600 I paid in premiums.

So, if I could convince the labs and doctors to let me pay the same negotiated amounts that they get if it went thru insurance then I would have only been out $750 dollars last year.

And even if I had to pay the full amount, I would’ve paid $1700

Instead, because I have health insurance, I had to pay out of pocket, $2850. . .

or about $1150 more than if I had none even possibly $2100 in savings if I could pay only what they get from insurance/co-pay.

Tell me again WHY I have health insurance????

I am going to look into catastrophic health insurance as an alternative and switch to that if it is cost effective.

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