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I would just like to know the stories of those who have done such, and actually achieved a positive experience. Is there such an instance?
 

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I did for about a year. We were fine.

Then again, I now have multiple sclerosis, and if THAT had set in while I was uninsured it would have been horrid! Meds cost $3000 a month, though since I now have insurance I only pay a fraction of that.

I think it all depends on luck. DH and I were healthy for many, many years.

Now that I am NOT healthy I value it!
 

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We were without health insurance for a couple of years and did fine. We already were careful about going to the doctor for every little thing, so it really wasn't much difference between then and now. Although now we do go to the doctor to get some things taken care of, so if we're without insurance again we hopefully will manage again. LOL did that make sense?
 
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We went from a family of 6 with good health insurance (although we complained about the the cost we had to contribute going from 0 to about $70 a month over about 15 yrs-little did we know what it would cost on our own) to a family with a drastic lower pay rate with the kids eligible for State insurance, my husband covered at work and me not covered for 8 years. Luckily I have stayed healthy-as far as I know. Thank goodness my husband was covered because he had a heart attack and that would have cost us nearly 100,000--that we sure didn't have. I don't think it's the little every day things--flu, sprained ankles etc that get you-it's those big surprises that do you in. Just that nagging feeling in the back of your mind that you don't have insurance and something could go wrong is enough to make you sick too.
Thankfully we have moved on, my husband just got a job with good coverage for us all again and I may even go have a good old "check up" just because I can.
Good luck
 

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Ditto littlebit ranch

If you are taking care of yourself day to day and don't have any debilitating diseases, then why do you even want to go to a stinking doctor? Just get a catastrophic insurance with the high deductible to cover something very very major. Nutrition, faith and no stress will keep you healthy. And, in my opinion, not to be imposed on anyone, if a really bad thing happens, why bother? Maybe it is your time to go. God has his plan, have trust.
 

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I went to a doctor back in '92 and it was the most useless waste of time I can remember. He told me that my rib was cracked and to go home, relax and let it heal. Same thing my Grandma told me the day before
 

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Ditto littlebit ranch

If you are taking care of yourself day to day and don't have any debilitating diseases, then why do you even want to go to a stinking doctor?
Because getting regular check ups can help you find illnesses earlier so they are more likely to stay little problems rather than big problems.

Most people are healthy. What would you do if you learned, within the span of two weeks that, at the age of 44, you had atrial fibrillation, COPD, and a fatty liver even though you've never smoked or drank? Is that likely to happen to you? No. But that's been my last two weeks. What happens if you/your wife develop breast cancer in your late 30s? Likely to happen? No. But ask my cousin's widower and children about her battle with cancer that took her at the age of 43.

Get health insurance.


 

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i would gladly get it if there was some out there that was reasonable cost. the last time i went to the dr. was to deliver DD11. i delivered csec. and never went back. i have had them look at my ear a couple months ago, and the only diff now is that i'm less $55. ear is still plugged.

i do worry about something major coming along but i can't dwell on it--the money just isnt' there. i would think there would be a plan somewheres since i am very healthy, but i haven't found one. i do have life ins.
 

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I would just like to know the stories of those who have done such, and actually achieved a positive experience. Is there such an instance?
I have done it many times. When the choice is to send all the money that I have at the time to an insurance company, or to live indoors. Living inside wins every time.:happy:
 

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Ditto littlebit ranch

If you are taking care of yourself day to day and don't have any debilitating diseases, then why do you even want to go to a stinking doctor? Just get a catastrophic insurance with the high deductible to cover something very very major. Nutrition, faith and no stress will keep you healthy. And, in my opinion, not to be imposed on anyone, if a really bad thing happens, why bother? Maybe it is your time to go. God has his plan, have trust.
Where can you buy catastrophic insurance? I have searched & cannot find it in North Carolina.
 

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Because getting regular check ups can help you find illnesses earlier so they are more likely to stay little problems rather than big problems.

Most people are healthy. What would you do if you learned, within the span of two weeks that, at the age of 44, you had atrial fibrillation, COPD, and a fatty liver even though you've never smoked or drank? Is that likely to happen to you? No. But that's been my last two weeks. What happens if you/your wife develop breast cancer in your late 30s? Likely to happen? No. But ask my cousin's widower and children about her battle with cancer that took her at the age of 43.

Get health insurance.


Exactly! I have been w/o health ins. for several years and now that I finally
have it I feel MUCH BETTER, and I plan on getting a complete physical very
soon. Preventive medicine is what people are missing out on. As a result,
the life expectancy in the US is DROPPING compared to every other industrialised democracy. People need to wake up and DEMAND their rights!
peace,
pc
 

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Hey.

If you're looking to trim back due to the economy and you have health insurance...

I would try getting a policy with a high deductible. This covers you for big buck catastophes and you pay smaller stuff out of pocket.

Even tho you're looking for affirmation on doing without, I wouldn't spin the wheel...

RF
 

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We have do it a number of times, but we are also a healthy lot. I am the one told to make sacrifices during those times as I like to sled, skate, ski, scooter....etc, here on the farm. My husband gets upset when I get caught, and we are without health insurance.
Lately, he had insurance for himself and the kids (the company wouldn't insure me as my job would). So I bought one of these catastrophic policies you all are talking about through Blue cross/Blue shield. It was $157.00/mo for a $10,000.00 deductable! When I got the premium increase to $163/mo this year I went with my company's policy for the whole family as hubby has changed jobs. Personally, I was NOT impressed with the catastrophic policy but if you have heart issues, or are not active people it would have been a good back up if something MAJOR had come along.
Emily
 

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I've done it. It's a roll of the dice. I got away with it, by and large. The veteranarian took care of some of the things, I took care of the rest. Lapping tape works better than suitures anyhow. TSC sells many of the drugs and equipment I needed over the counter, since its for livestock (my choice to misapply it).

Would have been nice to know if that was a stroke I had, or maybe it was just a migrane. Whatever it was it left me bed ridden unable to move for about 2 days (messy). It was months before my eyes completely uncrossed and I got full use of my side again. We'll never know.

But that was when I was young, single and care free. Today I'm older, with some of the things that come with age. A wife, a kid, hernias, arthritis, etc. Wouldn't be so pleasant today.

Could I do it? Yes. I *chose* not to. I chose to pay for health insurance.
 

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I lost my job end of May last year. Before that I hadn't been to a Dr in ages for anything other than a hurt thumb (go home, it'll get better on it's own). We eat well and exercise (doing chore exercises, not going to the gym). I've been studying medicinal herbs and made salves and things like that to add to our home first aid kit. So far so good. Our plan is no health insurance.
 

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If a person owns nothing, having no health insurance isn't a big deal. After all, what can the hospitals take from you other than one's pride.

If a person owns anything, going without health insurance is no different than a person of limited financial resources going into a casino with their life savings. They are gambling with their future financial well being. At least in the casino, one knows what the odds are.

I know people that owned property that went without any health insurance with no bad effects.
I also know many people that were financially devastated as a result of not having health insurance.


Going without health insurance is an enormous gamble with your lifelong financial well being.
 

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Health insurance is a big reason why I am not a full time farmer. I work for the county partially for the health insurance benefit. I have a family of five. My kids are still young and active. I can see them needing a ER visit for a broken arm or something. A friend of mine had to take her son to the ER last year for cutting his hand on some glass. It cost her $500 even though she had insurance. The problem was the ER she went to wasn't an affiliate with her insurance company. As a kid we didn't have insurance. I only remember going to the doctor once. The state paid for dental on us kids.

I think farmers/ homesteaders should form a coop and get a group insurance policy through the coop. As I recall, Farm Bureau was originally that way sort of until they went public.
 

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We don't have insurance now. Haven't since dh was injured at the rr and it's worrisome. I have diabetes and I just use herbs and my diet to do the best I can to keep it under control.

We had to take dd, 7, to ER several months back. She fell off a deck and hit her head on a concrete block and needed stitches badly. It cost us just under $1000 for that. Her older sister, 8, fell on the patio and broke off 2 permanent teeth in the front. The root canal was $360 and rebuilding the teeth is $891.

And this is from folks who don't go to the dr very often at all. My dc or dh or I must be seriously seriously ill to see a doctor or dentist. I prefer to treat at home as much as possible.
 
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