The idea of health insurance is to not go bankrupt if we get sick. A 5 figure bill is not pleasant, but not insurmountable for us.
So if one of us ends up with medical bills for $800k, we’ll spend something like $30k if treatment straddled two years, and our insurance pays the rest (theoretically).
It sucks ass, but health insurance is pretty much useless at general day to day health coverage that costs in the 3-4 figure range. But absolutely essential for the catastrophic life saving coverage that would wipe us out.
Of course, due to in/out coverage bullshit, and insurance companies fighting claims, there’s always the strong possibility we get wiped out anyway. But that’s another discussion.
The idea of health insurance is to not go bankrupt if we get sick. A 5 figure bill is not pleasant, but not insurmountable for us.
So if one of us ends up with medical bills for $800k, we’ll spend something like $30k if treatment straddled two years, and our insurance pays the rest (theoretically).
It sucks ass, but health insurance is pretty much useless at general day to day health coverage that costs in the 3-4 figure range. But absolutely essential for the catastrophic life saving coverage that would wipe us out.
Of course, due to in/out coverage bullshit, and insurance companies fighting claims, there’s always the strong possibility we get wiped out anyway. But that’s another discussion.