Ever heard the expression, “reality bites”?  Seventy percent of all U.S. bankruptcies are because of medical expenses.  Health insurance premiums should be part of your monthly budget and not in the column of maybe someday.  You would be extremely grateful for a high deductible health plan if you had a hospital bill of $250,000.  Are you healthy now and just waiting until you turn 65 and qualify for a senior health plan hoping that nothing goes wrong until then?  Do you seriously think that’s a good plan?  If you do, I have some true life stories to tell you.

This is from Philly.com.  Ruby Spencer has a tumor so large that it makes the slender, 61-year-old widow look, in her words, “five months pregnant.”  Everyone she has seen has sent her somewhere else.  She has no insurance.  “I didn’t think I would get sick” she said. She paid $45 for a doctor visit and $125 for an ultrasound. The ultrasound report stated that the findings suggest a huge ovarian carcinoma or other benign or malignant neoplasm.  She tried to get county assistance but her income of $23,664 a year was too high.  She waited seven hours to be seen in the ER.  They finally took her into a room and inserted a needle into a vein and started to take her blood.  Another woman walked in and reported that Ruby had no Medical Insurance and they took the needle out of her arm and sent her home telling her that the surgery she needed would be too expensive without Medical Insurance.

The next situation was reported in Huff Post Business. “Freddie Effinger started feeling what he called a “bizarre pain” in his upper thigh during the summer of 2007, just before his third year at the University of Alabama law school.  After a scan, his doctors told him it was probably some sort of mass, nothing serious, and they would remove it surgically in September.  Effinger, then 23, didn’t have insurance.  His parents’ policy dropped him after college, and he figured he could coast through three years of law school and land a job with benefits before suffering any catastrophic illness or injury.  (Superman Complex,” he calls it).  The operation to remove the mass would only cost him about $1200.  But when they operated, Effinger’s doctors discovered something more serious.  “The tumor was the same size as my hand,” Effinger told the Huffington Post.  “And directly underneath that tumor was another tumor, and further down my leg was another tumor.”  The following month, an oncologist told Effinger he had advanced stage lymphoma.  The oncologist told him that his chemotherapy could cost tens of thousands of dollars per session, and that he would need 12 sessions.  Effinger panicked.”

Please don’t allow yourself to experience life on a roller coaster.  Give us a call at Insurance Medics today and we will help you find quality, affordable Medical Insurance.