Usually you don't know the exact moment when you became a statistic --
This morning I sent a fax (via the internet -- did you know there were places you could do that? for FREE?! -- ok, maybe I'm just behind the times) that officially cancelled the little pathetic health insurance policy I had.
That's right folks, effective December 15 at 12:01 a.m., I will be uninsured
Before you go all crazy about how irresponsible this is and all, let me explain the cold, hard, facts about this.
Since I acquired this insurance I have paid to them $2710 in premiums.
Over that time, through various doctor visits, tests and two surgeries they have paid a total of $400 -- WOW, they paid a whole 15% of what I had paid to them.
So now, since they did not pay anything more than that, I have almost $4000 in medical bills that were not covered by the Colorado Indigent Care Program that paid for way more of my surgery than the insurance did.
I would have been better off if I'd just been sticking the premium in a savings account.
So, beginning in January, I will be using part of the amount I was paying in premiums to pay the medical bills and part of it will go in a savings account -- no, not a HSA because those all require you to put in a set amount every month AND pay a premium for a high risk health insurance policy, which defeats the whole purpose here of somehow being able to pay off those medical bills.
Meantime, I'm watching Washington DC very carefully and wondering if they will actually pass a bill that will be of any help and I'm well aware that even if it is, it's three or four years away -- in fact, I'm surer of getting Medicare -- which happens for me in 2016.