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does this scare anyone?

Forum: Financial Planning and Budgeting


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August 24th, 2007, 01:00 PM
hmcart's Avatar Platinum Supermommy
Join Date: Feb 2005
Location: Burns, TN
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I read an article the other day that made me think. It was about a woman who had cancer 2 times and had always had insurance and always paid her bills on time. After her insurance paid their portion her out of pocket was so high that she had to file bankrupsy and lost everything. So I was curious if anyone else here feels like they could be one medical disaster away from loosing everything. I think we could be in danger of that and DH and I are really trying to plan so that doesnt happen. We have a lot of out of pocket expenses from Brian being in the hospital 2 times this year and I cant imagine how bad it could have been. I was wondering what you all think about this.
Mom to Kristen (14) Hannah(12) and Brian (6 )
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August 24th, 2007, 01:06 PM
BensMom's Avatar Ephesians 4:29
Join Date: Apr 2005
Location: The Lonestar State
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I know what you mean. That's why it's so, so, so important for older people to get long term care insurance as well. It really irks me that my parents won't get it. They "think" they can't afford it (they can), but it's a lot less expensive than having a long term illness later in life. If something happened right now to them or us, I don't know what we'd do. My dad's only 53, but already his Rx's are costing him $900/mo (WITH insurance!). I thought mine were expensive. His are rediculous.
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August 24th, 2007, 06:36 PM
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Join Date: Oct 2006
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Honestly, I've never thought about that.
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August 24th, 2007, 06:39 PM
~Trina~'s Avatar Platinum Supermommy
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I think about it all the time because James doesn't have ANY health insurance and is our primary income provider. He drives for a living and one accident could destroy us!
"Do not judge, for you only see the parts of me that I feel you've earned the right to see" --Author Unknown

"A woman is like a tea bag. You never know how strong she is until she gets into hot water." -- Eleanor Roosevelt
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August 24th, 2007, 08:08 PM
lizard's Avatar Platinum Supermommy
Join Date: Nov 2005
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I think it could happen to anyone, no matter how good their insurance might be.

10/31/05 (EDD 5/15/06), 4/17/06 (EDD 11/13/06)
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August 24th, 2007, 08:49 PM
MandiK's Avatar Platinum Supermommy
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Ben also drives for a living, and having health insurance didn't help us squat when he did get hurt. Workman's compensation takes care of the doctor bills, but they also require a lot of hoop jumping that is starting to annoy me ... mostly because Ben can't drive at all right now. His health insurance left us hanging, and a week after he was hurt (in JUNE) they took it away because he didn't have 'income' to deduct the premiums from. Stupid people.
Definition (Webster's 2006) of "MandiK":
A 20something, graduate student, college prof, tree hugging, time managing, coupon addicted, cosmetic selling, dirt worshipping, girl who is in love with Ben and welcomed Sofie Grace on 1/31/11.
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August 27th, 2007, 03:00 PM
Tikka's Avatar Mega Super Mommy
Join Date: Feb 2007
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Fortunately Canada has public health care so we don't really have to worry so much along those lines. My heart goes out to anyone who is financially devasted because of their health issues :-(

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