Re: OT/ farm health insurance

Posted by TheRealRon on September 22, 2004 at 04:57:10 from (69.179.22.36):

In Reply to: OT/ farm health insurance posted by Ray on September 21, 2004 at 19:20:48:

I feel for you guys, all of you.

Before I met my wife she had worked for a large health insurance company. She told me flat out it's a scam. So we did something different, something that might help especially the younger folks.

We self-insured. Basically we put away a small amount each month into a bank account strictly for medical and dental expenses. We pay cash for services from that account. We don't seek services for trivial things like "colds". We are responsible for our own medical knowledge; example: a doctor diagnosed her with a serious medical condition and wanted to put her on $300/month worth of pills for the rest of her life. We did our own research, got a second opinion, and found out she really had a minor thyroid problem solved by $12/month worth of pills.

Yes, you have to have discipline to put money away each month and not touch it for anything else so it may not be for everybody. But it can pay off; we have saved over $250k (premiums - actual costs) during our marriage through self-insurance.

Follow Ups:

• Re: OT/ farm health insurance John A. 11:27:05 09/22/04 (0)
• Re: OT/ farm health insurance farmermatt 05:44:36 09/22/04 (1)
  • Re: OT/ farm health insurance dhermesc 06:14:11 09/22/04 (0)

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