Unless you have a known genetic tendancy towoard disease, your
best insurance is being responsible for and taking care of
And if you are unlucky enough to have a health condition (such
as my diabetes) which would make such insurance a very good idea,
then JUST TRY to find an insurer that will actually write the
policy. I’d pay almost any premium asked if I could actually
find a policy of this sort that would insure a decent percentage
of my income should I at some point become unable to continue to
work. Only ones I’ve ever seen put a fairly short time cap on
it. Not much use.
'Bout all I’m left with is the hope that by the time that comes
my financial resources will be sufficient to support me (rather
uncertain) or that social security will be enough to keep me from
becoming homeless when that time comes in my life. Or that I’ll
die quick enough that I won’t be able to deplete my resources.
Then it won’t be an issue. One or the other is gonna happen,
sure as anything… Not a nice thought. But Steve, did you also
say you skimp on health insurance? Or did I miss that one?
how old are you?
If over, say, 35, have you any idea what a bypass operation will
cost you when your cardiac arteries start to get too clogged?
Until fairly soon before you need that procedure, you may have no
clue that your not in perfect health. I’m 46 now. Had a 6x
bypass in april. No fun. Would have been a lot less fun if the
almost 60 thousand dollar cost had come from my pocket instead
of being heavily discounted and paid by Blue Cross. Or how
’bout back in '95, when an innocuous seeming small injury (a cat
bite, admittedly not as benign as a small cut) in my foot got
infected. By the time I realized it was in trouble, it resulted
in a three week stint in the hospital hooked up to IV
antibiotics. A fluke, perhaps. But a 17 thousand dollar one,
had I not had insurance.
For whatever it’s worth, one of the very biggest reasons I’m in
a career working a bench as a commercial jeweler for an employer
instead of following a much more potentially rewarding career as
an independent artist jeweler is that I decided I pretty much
could not afford to be without health insurance, and as a
diabetic, simply could not find a policy offered to me as a
single individual. That’s changed in recent years, but it used to
pretty much exclude me from being insurable outside of a group
plan. Made a major difference in my life and career, but I don’t
regret the choices I made. Wasn’t really a choice at all.
Wonder how many others in this field have had to make that same
sort of choice?