I Am Glad That I Purchased Health Insurance

You learn something new every day. I remember my first real job and some of the details I had to sort out. My dad was there for me along the way and although I wanted to do everything my self I definitely needed him to guide me. I just did not know that at the time.

Budgeting my money seemed to be a priority for him and health insurance was on the top of his list. I was too old to be covered on his plan anymore and when I found out how much he paid for me it was something I could live with out. I had bigger and better things to spend my money on, more important things and besides life was way to short.

My employer's health insurance plan had sufficient coverage, claimed the expert (my dad). The plan covered all visits to the doctors, dentist and all prescriptions with a co payment of only $15.00. It also covered me from any illness and emergency hospital visits. That was under my $2500.00 deductible. This would conveniently be taken out of my pay check and dad really loved that.

Health insurance was not really on my list of things to do. I needed spending money for my weekend trips with my friends, camping, biking, canoeing you know important stuff like that. So far dad never steered me wrong so I got the insurance. I had considered canceling it, none of my friends had it but I knew that would break his heart. I was young, strong and in great health what could possibly go wrong.

One weekend on a canoe trip, as we were returning to the boat ramp I was bitten on the leg by a large, very venomous rattle snake. It was pretty scary for a while but I am alive to talk about it. What was as scary was my tab starting with a helicopter ride followed by ten days in intensive care and five days in recovery. About three different prescriptions I needed when I got a massive infection that added another 5 days of follow up visits. With the total cost of about $65,000.00 I would have been paying for it the rest of my life. Dad is alright by me.

Internet health insurance quotes will let you know the basic cost of what your coverage will be. If you get some quality individual health insurance you will be safe from medical debt that can get really bad.