Trust me on this, if you are not carrying health insurance of any kind, you are playing a very dangerous game. Most of us go through life not thinking anything could ever happen to us; I think it is a coping mechanism of the human spirit because if we worried about everything that COULD happen we would never leave the house. But leaving that alone for a second, anything could happen to you at any time – and you better have health insurance to help you cope. The reason I am writing this is because of a personal experience I am going through right now – I am 35 years old and from the outside, a very healthy guy. I am thin, I eat organic food, I barely ever eat fast food, I don’t smoke, I barely drink – in all appearances you would think that my health is good. However, in the last month or so I have been undergoing all sorts of exams, blood tests, CT scans, etc. – all in an effort to see why the platelets in my blood and bone marrow are dangerously low. The bad news? It could be some sort of cancer or leukemia, we don’t know yet. We are now waiting on some DNA /genetic blood tests to come back. The good news? It might just be some hereditary issue that can be taken care of with drugs and or time. But either way, there is something wrong…but you would never know it from looking at me. It is looking more and more like it is not a cancer issue and rather something else, but until we know for sure we have to keep looking.
Now on to the health insurance aspect. If I did not have health insurance, I would owe doctors, labs and hospitals over $13,000 at this point…and we have not even started any treatment (if i need any) yet. That’s a lot of money to come up with. The amount of paperwork and bills coming in the door is astounding, as I get letters every day from some lab or Blue Cross that I dread opening. But seriously – if I did not have insurance I would have had to shell out over $2,000 for an ultrasound last month…and instead I have to pay $200. And although I have always hated paying for health insurance as I felt like I was healthy, now I know that nothing could be outwardly wrong with you when your insides are “sick”. I feel fine, luckily…I just spend a lot of time at the doctor, that’s all. Between doctors and my job, there has been less time for blogging lately, but I do my best to try to keep up. If I let all this get to me I probably would not be doing much of anything!
I don’t write this post for sympathy of any kind – I write it to tell you, the reader – if you do not have health insurance, you need to get it now. Just because you are young and seemingly healthy it does not mean that things cannot change at the drop of a hat. Get yourself a high deductible or catastrophic policy if you cannot afford a regular one…but get yourself something. Trust me, you might need it someday even if you think you won’t.
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