Off Topic .....
Cardoggie, keep in mind, that with catastrophic coverage, after your higher deductible is met, in my case I was using a $5000 deductible, 100% of your hospital bills are paid. So, you have a stop loss for major illnesses or serious accidents.
What you are giving up is your outpatient crap like doctors office visits, physicals, minor illnesses and accidents.
The key is you must be in good health and it helps if you don't smoke and aren't extremely overweight. That will get your rates down.
If anyone has a pre-existing condition, high blood pressure, diabetes or something else, you may have to stay where you are because a new policy may not cover the condition.
If you don't change policies, change deductibles. Get them as high as you can and you'll be amazed at the savings.
The attitude of the health insurance company is; you take care of the little things, let them take care of the big things, and they will make your rate affordable.
da-insurance-bum |
