The Husbear has mostly recovered from his bout with the flu. I am finally starting to feel a lot more mobile. Hard to imagine one could get tired of lying on the couch, but I’m pretty darn past that point.
I wonder if this guy makes house calls? I bet he could make me feel better.
I have no idea what to even do at a gym to think about looking like that!
But back to what I was writing about….
This is the first time I’ve been seriously sick since I left the employ of Wal-Mart. And the first time I’ve had to pay for medications that weren’t covered by health insurance in some part. Holy crap! Non-insured medical and pharmaceutical costs are horrific. $65 for one office visit (discounted because I paid cash), $120 for the Husbear’s medications, and $165 for my medications. I’d hate to think how empty our wallet would if something serious happened! Or how maybe we’d be refused medical care because of that.
I know some of this is the Husbear and my own “doing”: we are both self-employed. That’s one of the trade-offs that is hard to offset by being your own boss. But health insurance should not be one of the things that you have to trade away. The Husbear hasn’t had health insurance since we’ve been together, which for the most part hasn’t been a problem because he rarely gets sick or injured. I lost my health insurance when I chose to become self-employed.
It’s not that we haven’t looked for health insurance that covers visits and medications. It exists. But not at what I would consider any “reasonable” price. It seems you have two choices: either pay “low” premiums for what I would call “disaster coverage” that covers only catastrophic situations, or pay extremely high premiums to cover regular visits and medications. And don’t even get me started on dental or vision. No wonder so many people in this country don’t have health insurance! At least the self-employed people. Or people who work for small businesses that cannot afford a group health plan to offer their 10 employees.
I know all insurances are really just a gamble, but the older we get the better our odds are that we will need it. Any suggestions from any readers out there? Is anyone who my blog self-employed and have decent health coverage?
Until next time...