Quote Originally Posted by crappiefarmer View Post
Get this. This was a kick in the stones if there ever was one. Wife had to have a surgery this year. Was not an emergency surgery but needed to be done. I pay 13 grand premium with a 2500 deductible per person for 4 of us. Blue cross Blue shield. Surgery cost 18 grand, i get billed for 3800 bucks. Not only did I pay that big premium but have to pay more than the deductible because of different stipulations?! If You are like me and have to buy Your own insurance, You get screwed big time. If I knew My wife and I could go the next ten years with no major hospitalization, I would drop the dang insurance and take the premium money and grow it somewhere where I could get compounding interest. Insure myself. But one surgery now can bankrupt You.CF
You are right, can't live without it. I've got a buddy got hit by a car the guy didn't have insurance, suspend license, AWOL from the Navy. His hospital bill was 12k, got two kids under 6, wife stays home cause if she worked it wouldn't cover child care. They started garnishing his wages, then he couldn't do construction work on the base because he had a judgement against him. They ended up moving in with her parents and he's working under the table for cash, sooner or later the IRS is going to catch up with him and things will just get worst.