Staying Alive Is Important
Right now I am stuck in that “post-graduation” but “pre-real job” limbo. You know, the one where you’re no longer qualified to be on your parents’ health insurance, but you don’t have a job yet to provide you of your own. That period of your life where, if you were to get some kind of life-threatening disease or in some terrifying accident, you’d basically be out of luck. Where you’ve got so many student loans and credit card bills that hospital bills will pretty much destroy your life and make your current debt situation more hopeless than it appears to be right now.
I was on my parents insurance. They had asked for proof that I was a student prior to my graduation date, so I just assumed I was a-okay. WRONG. I got the notice that I was booted off of the policy today. After I went to the doctor. And after I dropped off my prescriptions at Walgreens to be filled. And now said prescriptions are just sitting in Walgreens because they cost over $300 to break out of there. $300 I’m not really in the mood to pay. $300 my non-existant insurance will not be… insurance-ing.
And so this evening and a little throughout the afternoon, I have been looking through websites trying to figure out what kind of stellar health coverage I can afford. Some health plans start around $80 a month. Those deductibles are around $10000. The ones that are around $100 to $120 a month have deductibles around $2000 – $3000. They don’t really offer much as far as benefits, though. It’s more, “Go to the doctor when you need to, but have fun paying all $3000 before we even think about kicking in to help you. Sucker”.
I did just find a few with Medica that do offer what appear to be reasonable, and obviously the more I pay the more I get. I was actually looking to find their “accupuncture and massage” plan, but I can’t find it. I wonder how much that would run me, because I would be there every day.
Although I do have a job, health coverage is not offered, so I’m on my own until another job comes along. And while I considered just going insurance-less, I’m not sure I’m comfortable with that. I appreciate going to the dermatoligist for skin problems and having the freedom to visit the dentist once in awhile for nice, clean teeth. I don’t really want to let those things go.
Health insurance… a luxury that not everybody has.