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health insurance

paul wheaton
steward

Joined: Apr 01, 2005
Posts: 15091
Location: missoula, montana (zone 4)
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I'm thinking about getting health insurance.  I've been without for a long time. 

It is my personal philosophy that 90% of all money spent on health care goes to health insurance.  In other words, I believe that if health insurance were outlawed, then the cost of health care would be ten times less than it is now.  But due to the insurance industry shenanigans, if I need health care, it will cost me ten times more to get the care I need or else I get labeled as a dumbass. 

I could bitch about this for two weeks non stop, but that gets into political stuff and I expressly forbid the discussion of politics on these forums. 

So, I've stated my oddball position and am reluctant, but ... I should consider my options.  So!  Here in Montana, what are my options?  What's a good deal and what sucks?  Despite being fat, I haven't been hospitalized since I was a kid (knock on wood).  I would think a catastrophic insurance would be best for me.  Something with a high deductable.  Something that only kicks in for something really big.

Suggestions?


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Rebecca Dane


Joined: Aug 31, 2010
Posts: 211
Location: Missoula Montana
You most likely won't like my opinion, but I am going to give it to you anyway.  DONT get health insurance.  Start a special health savings plan and stick money in it monthly in case of an accident or catastrophy. 
I think insurance companies are a bunch of crap.  They take your money but they can find reasons not to pay if they want to. 
I had Humanna insurance (in CO)back in 2002 and it was horrible.  After suffering an accident in my home and being transported to the hospital in an ambulance, my insurance refused to pay for the amount beyond the deductable.  I called them.  They said "did this accident happen at work?" 
"NO" I told them "I am not filing for workmans comp, I am filing under my health insurance."  They denied the bills 3 or 4 times when I re-submitted and eventually the hospital, doctors and ambulance turned me in to collects, which I had to pay or have bad credit, with extra fees attached.


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