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How To Cope With The New Health Insurance Problems

Updated on January 29, 2014

Raging out of control.

It just seems to be getting worse and worse.
It just seems to be getting worse and worse. | Source

Health Care and Health Insurance are causing problems.

Just overheard a lady say to another; "This whole health insurance thing just makes me sick". The response was, "my husband and I fight over the costs every night". How do we cope with such a messed up Health care and Health Insurance situation? There must be answers for ordinary folk.

Here are some facts and suggestions that may make the issues more easily digestible and possibly palatable.

The very first thing we have to do is stop the blame game.

Seriously finding someone or something to blame is not helpful. Do not combine politic talk with specific talk about health care costs. Yes it fits in the equation but is not helpful. Think about how we talk about politics in the USA. It is all negative, it just is. More people donate to campaigns in the US based on opposition to a candidate than in favor of their own. It is just a natural fact.Truthfully we can no longer afford to do that as a nation, But for sure we cannot afford to do that anymore in talking about our health care and finances, especially with our lovers.

Is the health care and cost issue effecting you?

Have you fought with your significant other over health issues.

See results

Get professional help, I

I am deadly serious about this, get professional help. I speak from experience, I was an insurance agent for a few years and I deal with insurance almost daily in my work. And consultations like these should be free.

Yes the nice lady coming into your home is trying to sell you something and will have a bias and pushing and talking points. But they also know what they are talking about. And they will answer your questions and give advice and a full range of costing. They really can explain things to you and there is a possible chance they will have the best of the worst solution for you. You are not wasting their time and you should probably not sign up during a first visit and without a second opinion from another line of products.

Knowledge is power and knowledge is power over stress. And doing this will give the two of you the best scenario to sit down and not get all argumentative over the issues.

Get strong as an ox

Really your health effects your pocket book.
Really your health effects your pocket book. | Source

Get professional health II

Seriously get into get a physical. Usually well under $100 and sometimes closer to $25 as many doctors get new patients this way and so it is a loss leader. Find out what you are dealing with and what you likely may be dealing with in the near future.

Imagine you knew ahead of time exactly when your car would have mechanical problems and then made warranty decisions based on that. It does not make a decision perfect but it sure helps. It is the same for our bodies. And just like the car once we know where there are issues we can do some mechanical things to help it run better and longer, and less expensively.

When you are there speak with the staff and especially the accounts receivable person about any suggestions they may have for you.

Doctor, Doctor give me the news!

Going without is an option.

Highly recommended against. Two recent college graduates were talking about that if they got real sick they would lose everything if they did not keep their insurance. So they could not afford any insurance, or at least then they would seriously go without elsewhere. (and with young people that often means less healthy habits)

So we ticked off all of the stuff that they could lose: You got it, nada, zilch and nothing a student loan debt cannot be taken to pay for medical bills. Individually applying normal economic principals there was no way that paying for health insurance made any financial sense.

Going without is not an option if you own assets unless it is a choice between rent or mortgage payment or insurance.

Legally -- who knows, all I have heard on that is gossip and politicians. And from that I understand that it is up in the air and not criminal but rather just a tax assessment.

Morally -- it could go either way. There is ample justification to protest the current debacle by voting not to fund it by paying premiums. And there is always a moral duty to pay your debts so it is like a wash.

But here is an actual probable scenario. A 26 year old healthy male takes the option not to enroll in a plan. He gets sick twice in two years and pays the urgent care for the visit and antibiotics. He breaks a pinky finger and pays for that over a 3 month period. Meanwhile he is spending that $500 dollars a month into our economy and not on insurance. That is an individual who has contributed $10,000.00+ to our economy as a consumer. (most American males go years without seeing a doctor while in their 20's)

Would not having insurance prevent me from taking risk of bodily injury?

I went another way around this cliff, but because I was scared not because of insurance.
I went another way around this cliff, but because I was scared not because of insurance. | Source

So take the bogey man out of the equation.

Spend a month getting to know what would be best for you. Seek advice. Get healthy.

Remember this very important factor; Stress is a major cause of many many disorders and over all health decline. So the next time you want to stress out over health insurance, sit down, shut up and de-stress. Doing otherwise is pretty much insanity.

Catastrophic and $5K deductibles. Sure, if you can get it for about $100 month per person. Or if you make good money and have over $100K equity in your house, then go for it.

Let me leave you with another morsel of thought. Love each other. That is good for health all the way around. And give each other physicals. Really I mean it. Start at the head and move down and ask questions and talk to each other about your health.

And then when you are done with all this, Hold each other's hand and go for a walk.

© 2014 Eric Dierker


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    • Ericdierker profile image

      Eric Dierker 4 years ago from Spring Valley, CA. U.S.A.

      Thank you Theresa it is a wild world of insurance out there now.

    • phdast7 profile image

      Theresa Ast 4 years ago from Atlanta, Georgia

      Eric this is very good. Getting people to slow down, de-stress

      and consider their actual options. Thanks. Theresa

    • Ericdierker profile image

      Eric Dierker 4 years ago from Spring Valley, CA. U.S.A.

      Arizona has serious issues in this regard. I say if you are ready for family it is not an insurance decision.

    • VVanNess profile image

      Victoria Van Ness 4 years ago from Fountain, CO

      I'm so sorry to hear that. I'm so glad you got some treatment.

    • Ericdierker profile image

      Eric Dierker 4 years ago from Spring Valley, CA. U.S.A.

      I was diagnosed with cancer stage 3, AHCCCS took the full 45 days to approve the treatment. So I was stage 4. And I had additional insurance. I got lucky to get into an experimental treatment regime out of UofA so my treatment actually started earlier than AHCCCS would have allowed. So if we would have fully waited for AHCCCS I would have been dead. And the hospital could not move forward or they would have lost their funding from the state.

      So yes your story makes perfect sense to me ;-)

    • VVanNess profile image

      Victoria Van Ness 4 years ago from Fountain, CO

      I was excited knowing that we were finally going to have insurance. I've been trying for years to get insurance, but with pre-existing conditions, and past prescription needs, no one would accept me. I also was not able to get state insurance because we are not pregnant and have no dependents (If that's not a kick in the head.).

      Unfortunately, because of our income we don't qualify for Obamacare, and because of our income and still not pregnant status, we still don't qualify for state insurance.

      We are required to carry insurance, but don't qualify for either, and cannot afford outside insurance. We NEVER go to the doctor, so it wouldn't be worth it anyway, and outside insurance doesn't cover pre-conception, pre-natal, or post-natal care. We would still be paying out of pocket to have a baby.

      Does any of this make any sense?

    • Ericdierker profile image

      Eric Dierker 4 years ago from Spring Valley, CA. U.S.A.

      I will write another article more focused on the new medicare realities. They like to make it more complicated then need be -- like tax law. But there is now a real concern that probate will now be seen as a viable recoupement tool.

    • billybuc profile image

      Bill Holland 4 years ago from Olympia, WA

      Sound advice, Eric. I have Medicare and really know very little about the new programs. Bev, though, is on it for her.