Better Not Need Surgery, Without Insurance

Better Not Need Surgery, Without Insurance

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From January 1979 to June 2005 I had been covered by a health insurance plan of one type or another. My insurance covered the birth of my three children, doctor visits, surgeries, illnesses, medicine, emergency room visits, everything. In 2005 I was unexpectedly laid off from a job I had for nearly eight years. I thought hard about not having any insurance coverage for my two high school children. We were very healthy people and hadn't seen our primary care doctors for over two years. But what if we had to go to the emergency room?

I decided not to look for another job and to go for the home business. Working from home earned me enough money to pay my bills every month. But there was never enough money to pay for health insurance on my own, especially for a family plan. A few times one of us got sick and had to see a doctor. Paying the cost of a doctor visit at a walk in clinic was only a fraction of what a monthly premium payment would cost. Paying full price for some of the prescriptions, though, was another story. One doctor sent me to the pharmacist with $350 in prescription. I had to go back to his office and ask him to change the prescriptions to cheaper drugs or to give me samples if he had them.

After I lost my insurance, my daughter developed a hernia in her abdomen. The doctor said she didnt need surgery at that time but would eventually need to get it fixed. The hernia usually didn't bother her; but when it did, I couldn't afford to do anything about it.

Eventually my daughter got a good job with good health insurance coverage. Recently she had surgery on her hernia. Her doctor confirmed the hernia, sent her to a specialist. Her specialist scheduled her for day surgery and within a matter of hours the surgery was over.

She started to get those statements in the mail that say, "This is not a bill." Showed the doctor charges and the breakdown of every procedure from signing in to the surgery floor to the room she was prepped in to the room she recovered in to the pain medicine she was given. Altogether, everything came to over $15,000, but her out-of-pocket co-pays only came to $140. Without insurance coverage, she would still have that hernia because we would never be able to pay out of pocket for surgery like that.

About the Author:
You want to have excellent health insurance to save your family from unexpected issues and problems. Your individual health insurance will keep you saveed from medical debt and from problems that sneak up on you.



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