Tuesday, February 13, 2007

Just Say No

Everybody keeps saying, well, you know what happens when people don’t have insurance. They go to the hospital when they get sick and it all winds up costing a lot more and taxpayers pay for it.

Excuse me, but I don’t have health insurance, by choice. And when I or other members of my family get sick, we go to see our doctor and we pay for it out of pocket.

It’s cheaper that way.

Cheaper . . . to a point.

Routine doc visits, most testing and even many meds can easily be paid for out of pocket and insurance is unnecessary.

So what happens when you need a $1500 CT scan? The results come back and you need surgery.

Inpatient surgery.

The hospital wants to be paid for the expected 3 - 4 day stay.

The surgeon wants to be paid.

Do you have an extra $40k or so laying around to pay in advance for your procedure? If not, you may find the hospital will not admit you and the surgeon will not schedule you until they know in advance you have the ability to pay.

Yeah, I know. That's a real bummer.
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