When you think about it no one wants to be responsible for paying their medical bills, that’s what health insurance is for. With the health insurance I have I am responsible for paying for anything below my high deductible. I am self employed and have an individual health insurance policy. To keep my premium affordable I have a $5000.00 deductible.
What that means is I have to pay everything below my deductible, yes everything. The fact is I can only afford to cover my self if something terrible were to happen and that works for me. The key is to stay away from the doctors office as much as I can. Now, I am in good health so that’s a good start.
So what I do is work hard to stay healthy, here are some the things that may keep me from doctors visits that we should be doing anyway. For starters I eat extremely healthy on a regular basis, diet, diet, diet. keeping your weight down is the key to all your health problems. I make sure to have any regular exams and check ups, get plenty of rest, always maintain a steady vitamin regiment and drink plenty of fluids.
A great part of my plan is negotiated pricing, I get billed with a 40 to 50% discount on the services by just showing the doctors office my insurance card. I am proud to say that I have health insurance. Lets face it, Its what I can afford. Although this plan works for me it was not built for everyone. If you are a big family with many children or with a preexisting condition or maybe a senior citizen. These samples are people that will need to visit the doctors office many times in a year.
Many things are happening these days with health insurance. It may get worse before it gets better. It may even be free one day. What ever the case I know I will be O.K. a least for the next year. Go figure there was a time when I did not have health insurance and I was really worried there for a while. I stumbled on to this policy one day talking over lunch with a client and I haven’t looked back yet.
