Ok again I will say that I opt for every possible insurance + I utilize the max in my tax savor flex spending acount which is 5,000 dollars per year. I never use all this money by years end and my wife usually burns the rest by having laser therapy on her eyes or some othe shit. I could get a brain tumor today and it would only cost me a max of $3500 for all of my treatments. If you’re willing to sacrifice and pay for all the different types of insurance, including AFLAC, then there is not a scenario where an illness can put you in the poor house. I understand that there’s a lot of people that live paycheck to paycheck and can’t put into all of these things, but I got sick 15 years ago and it put a huge strain on me financially and once I dug myself out, I made the choice to always make this investment. AFLAC literally pays me back for the time I miss at work if I have to go into An appointment if I choose to file it with them. I may drive a vehicle that has 130,000 miles on it and is 10 years old, but my family will literally never be put out because one of us is sick.
That sounds great I am happy you are in a good position financially and with your family health now. I hope to get real good insurance soon. I lost mine when my last job ended, and it was not time to sign up or burden my spouse's plan. Or maybe I just didn't think I would have an issue, and it was a rip off regardless I just spent thousands out of pocket. I have spent a lot out of pocket on medical over the years. But yeah it is a priority which is why I spend out of pocket vs just ignoring problems.
The thing is if I had a job and the insurance covered the pec surgery I still could not get it. I will be unable to perform spreadsheet work for months. You can't just take months off a job to get get your pec repaired and sit in a sling, especially if you have not been at the job long. I need to do this prior to finding my next job
For the original poster
I too know hunger and financial hardship and have medical needs I cannot afford, but yeah not a 10-dollar copay clearly there are different levels of broke