Yesterday, Thanksgiving, I opened my mail from the day before. Yes, life is that busy! I had a letter from my health insurance company telling me that I was canceled. It seems they have decided "in the uncertain regulatory future" to cancel all individual policies. They did give me an option to use another company that will charge me more money for less coverage.
Insurance. I can hardly speak to the evil of it. I have had health insurance all of my life. I have paid more than my life savings into it and I have received hardly anything in return. I had to pay a lot for each of my children.(They were worth it!) I had to pay a lot for the other two hospitalizations I had. Each time I had health insurance. High deductible, doesn't pay for much at all, health insurance. I hate the "what if" game. Insurance makes you an unwilling participant in that game.
In a few years, I will be on Medicare. It seems to me that Medicare is the game where the doctors and the health institutions do everything that they can do to take the government's (my) money. I have seen unnecessary tests ordered and oh too many specialists used, on my Medicare using friends and family. I am dreading being in that system. Again, no choice. You must have health insurance and you must go to Medicare.
By God's grace, good genes, and paying attention, I am healthy. I know that could change in a heartbeat. This fear is what the insurance companies are counting on.
Again, fear and control.
Since we are individual policy holders I bet we will be getting one of those letters in the mail soon, also. Prior to this year the last and only time we had used our insurance (we have a $10,000 deductible now)was in 1995. Both Dan and I had claims this year and to our surprise we received a letter last month from our company telling us that because we had such a good health history they were lowering our premiums by almost $200 a month. Go figure.
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