Originally Posted by GrantMercury

Actually I know many people who never use their insurance because that little stuff either isn't covered, or they have a bridge or deductible so large it's not worth it.

A friend of mine had been paying $600/month for his insurance every month. He did so for years. One afternoon, he felt a tightness in his chest, and vertigo set in. He asked a friend to drive him to the ER. They admitted him overnight and did a battery of tests. They never pinpointed the cause, and they released him the next day. The bill was $12,000. The insurance bastards kicked in $4,000 and he was on the hook for the rest.

So don't assume that these bastards will cover you even in a catastrophic situation. Most of the people who go bankrupt from medical bills HAD insurance.

Insured, but Bankrupted Anyway
http://prescriptions.blogs.nytimes.c...rupted-anyway/

Their primary concern is their profits - not your health. And that's a dangerous thing.


It's an evil system.

As an aside, another benefit of Obamacare is the elimination of lifetime caps, so there will be fewer bankruptcies.