my coffee mug currently rests on a pile of medical bills that i was wrongfully charged coupled with detailed notes and reference numbers from our insurance carrier. at my feet sits a space heater surrounded by 80% of the hair on my head that has fallen out due to said phone conversations regarding medical bills. fun stuff!
i'm reminded of jenna's thought provoking post on health insurance a few years ago. it's something you don't give much thought to (get in, get out, pay your co-pay) until an actual problem (or worse, an emergency) arises. and what concerns me most is that no one really understands health insurance until you're in a situation that forces you to.
due to rising monthly premiums, ed and i switched to a plan with a higher deductible a few years ago. put simply-- we now pay less per month but more out of pocket should we need surgery, etc. it's a gamble no matter, but two years later i'm happy we made the switch as it's allowed us to stash money in an emergency account should we need it. doesn't it make more sense to keep money in my pocket?
if either of us worked for an employer who offered a health savings account plan, i think we'd definitely make the jump. an HSA plan gets rid of co-pays all together-- instead you pay for a doctor's visit out of pocket up until a certain amount is spent, after which everything is free. as scary as it sounds, it's sort of genius given you work for a company that generously puts money into your HSA account. correct me if i'm wrong on any of that.
that being said, this isn't a pro-high-deductible-health-insurance rant (snoozefest of the century), but rather a way to start an open discussion about the topic. so yeah, health insurance.