Health insurance

winnietrey wrote:


You sound young, having a kid or a broken leg, is nothing, and for you, at this time in your life, cost sharing may be a great deal. But at my age when the costs can run into the many hundred of thousands, for cancer etc it would not be. ( and why I would not want my care subject to a non regulated entity) And why I would suggest folks read the fine print.

I initially wondered about how truly major medical events (cancer, cardiac, transplants, etc.) would be handled. As an admittedly healthy young buck, I don't worry too much about these things. But every monthly newsletter contains testimonials actual participants sharing their stories on just that...truly major events. Even for them, the system is working. There are others who came into the program with non-covered pre-existing conditions, and they share their stories of how members chip in a little extra to help cover those needs too.

It would be a little unfair for me to say that this is the only program I particpate in. We've seen a number of "concierge" type service providers pop up in our area. So we do pay a modest monthly fee for us and our children to particpate in those programs too. I highly encourage folks to look into those programs. They can be very affordable, provide excellent care, and be far more personal.