Duh – Make Sure Health Insurance Is Included In Any Job You Take No Matter the Salary (Repost)
If you don’t have Health Insurance Coverage, you are a walking time bomb waiting to economically explode as well as suffer physically. I’m lucky in that I’ve always had good health insurance either covered by my parents, college or my job and I always took it for granted till what happened to me 5 years ago.
I’m telling you right now, do not take any job if Health Insurance coverage is not included, no matter what the pay. If you are currently in a job you like with decent pay but health insurance isn’t included, start looking for a job that includes health insurance no matter how much lower the salary might be. You’re probably best off if somehow you can get a job with the Federal Government which has excellent health insurance that you can carry into retirement with you.
If you haven’t needed Health Insurance at this point in your life consider yourself lucky and also consider what will happen if you run out of luck, like everyone eventually does. Everything Health Related costs a fortune. You could be paying $350 for a one month prescription of something. If you need to go to an Emergency Room we’re probably talking $500-$1,000. A lot of time, if you don’t have insurance, they just won’t go the extra mile for you and you can die.
Take what happened to me five years ago. I woke up one morning and my urine was pink. Being a hypochondriac I went to urgent care and because I told them I had a slight tightness in my chest area for the past week they refused to see me and told me to go to the Emergency Room at the nearest hospital which I did. They checked my heart out and everything and said I was fine. Then they did an X-Ray of my chest and said I had internal scarring whatever that meant and I should have my regular Doctor check me out. They were ready to send me home but they said that whenever anyone comes to the emergency room for anything Heart related, they recommend they stay overnight for observation and that my insurance will cover it. I said sure. Well lucky I did because one of the Doctors on duty was a cardiologist and he caught that I had what killed John Ritter the actor and unless I had emergency open heart surgery in the next few hours, I would be dead by the end of the weekend. So the Doctors did emergency open heart surgery, I was in the Hospital a week, and my health is as good as it ever now but I’m on a blood thinner medication called Coumadin for the rest of my life and every 2-3 weeks or so my blood is drawn just to regulate the Coumadin. The cost of the operation would have been $285,000 out of pocket of which I paid $500 and the cost of coumadin out of pocket each month and having my blood drawn I’m estimating would be another $500 a month of which I’m paying $50. If I didn’t have insurance, I doubt they would have offered to let me stay overnight at the Hospital and if they did, I would be in debt for the rest of my life. So the bottom line is, if you don’t have Health Insurance, you are playing Russian Roulette with your life and your finances. Oh for what its worth, I think I’m paying about $120 a month premium for my Health Insurance.
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