posted
This probably sounds insane...but my husband and I are thinking that we might drop our insurance this year.
If things keep going the way they have been, we pay more for insurance plus co-pays than we would if we just payed out of pocket.
We are the type of family that only goes to the doctor when things are serious. For the first 12 years of my marriage, we had no insurance.
I am more in favor of alternative medicine, and tend to want to avoid all the tests and what not.
IV antibiotics aren't covered. Our insurance plan doesn't even cover ER visits... I know...
So, the only thing that makes me hesitate is what if things get worse.
My son and I both have Lyme. I have had bunch of neurological symptoms, pain, tachycardia and heart palpitations.
My son has pain and his Tourette's syndrome may possibly be caused by Lyme.
What would you do? I really would like different views on this.
Thanks!
-------------------- Never doubt in darkness what the daylight proves to you. Posts: 418 | From Utah | Registered: Apr 2009
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sammy
Frequent Contributor (5K+ posts)
Member # 13952
posted
Keep the insurance, at least some form of it.
If you need it later on and you've had a lapse in coverage your new company will be able to deny all "preexisting conditions". If you have a letter of continuous coverage they should not deny treatment.
Also, God forbid, if any one of you were to get in an accident. Major surgery and or a couple days in the ICU will cost you more than you can imagine.
It's the unexpected events that get you.
Posts: 5237 | From here | Registered: Nov 2007
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posted
I don't think you need to drop it, you need BETTER insurance. But what if something serious happens? Accident, appendix, cancer, etc? How will you pay for it?
Posts: 872 | From New York City | Registered: Jun 2008
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kam
Honored Contributor (10K+ posts)
Member # 3410
posted
I keep thinking of doing the same so I could get the meds needed for lyme disease through the drug companies.
But, I just can't see to get to the point to do so yet.
Trying to find some other way to get the meds needed at this point and have been since I moved here in 2005.
Posts: 15927 | From Became too sick to work or do household chores in 2001. | Registered: Dec 2002
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posted
There is such a thing as a "major medical" plan, in which the premium is substantially less than regular plans, but they have huge (like $10,000.) deductibles. This would cover the big stuff. Just a thought, you could do a google search for "major medical". Also, independent insurance agents sell them.
Posts: 374 | From United States | Registered: Nov 2008
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