Getting Additional Health Insurance

Too Much?

When is enough, enough?

We have medical insurance.  Of course, we have medical insurance. But it was your run-of-the-mill type with a per person limit of up to $2,000 in one year.  A lot of people do not even make a dent in that amount because they never get sick.  Well, for the years that we have had it, we usually use up (if any) only $400 annually – some for check-ups, others for laboratory tests and procedures (blood tests, colonoscopy) and annual medical exams, some for our daughter’s hospitalization (twice these five years) – an amount that is more or less equivalent to what we have paid for it.  But this year was different.  Hubby has about depleted all of it with all of the tests he had to undergo for his heart.

So we turned to Blue Cross, knowing that he might need some serious surgery and that we might have some serious medical expenses.  Of course, we disclosed the diagnosis (dilated cardio myopathy) in our application to Blue Cross, except that at the time, we did not know what procedures or surgery would be done.  Angiogram and angioplasty were words that we mentioned.  And we were approved by Blue Cross, but not for heart-related procedures. Of course, the coverage excepted heart related procedures – the one that we needed so bad.

This is the awful truth about insurance.  When you need it, you cannot get it.

The moral: get it when you are healthy and kicking because that is the only time that you can.

But – when is enough, enough?  Because – like I mentioned – we do have medical insurance.  When does one upgrade?  Does he just purchase the upgrade blindly, knowing (but not hoping) that one day he might need it?

I guess it is a game of chance.  You take a chance on the insurance and the insurance company takes a chance on you.  For either you or the insurance, it could mean a lot of money.  Some sort of a gamble, really.

So – when?

There is no easy answer. The body and the mind are still unexplained territory in a lot of ways and it can just perform a betrayal when you least expect it. Being prepared, I think, is better.  Spending a lot of money when you still do not need the insurance is better.  At least that way when the time comes that you will need it, it will be there.

Because for sure, one day, you will need it.

By the way, the same goes for life insurance.  For sure, one day, your family will need it. But if you get really sick, you can kiss your chance of getting one (or additional ones) goodbye.

Your health is all you have.  You are all your family has.  I guess, weigh the options, look at all the available insurance, make sure you are covered.  If all else fails, when the time comes, you (or your family) can swim and try not to sink.  Or turn to other people.  In this life, sometimes that is all that you can do.

P.S. For short term medical coverage, you can go here.

Article by Issa.  Photo by Issa. Copyright 2010.
website: www.YouWantToBeRich.com
email: issa@youwanttoberich.com

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