I'm churning through the bills presently. I'm seriously considering ditching the health insurance 'extras'. It makes me shudder, as I've always insisted on the complete coverage, and we do get the benefits from it- regularly visiting the chiro, osteo, physio, and the dreaded dentist. But I was thinking that if we took the 'extras' fee and directed it into our savings, then we could just pay the 'extras' when we go, like other normal people. My aunty, who is a nurse, put this idea into my head many years ago. She seemed to think health insurance was a joke, before it became compulsory.
Health insurance is our biggest monthly expenditure. It's outrageous. And we still pay to visit health care providers- they all charge more than the scheduled fee. We are looking at saving $100 a month by dropping extras. Our annual health costs are much less than $1200 a year, even with a baby. By putting that difference into our own savings, instead of the insurance company coffers, we should come out on top, given good health, over time.
I'm just going to check our figures again. And affirm that it is possible to just save this amount. It can't be resumed into everyday living. We can't mentally think we have more money to play with. It just has to go into the savings without question. It's health savings, and we may need it.
This challenge makes me nervous. It's a real test of my resolve and will, and has direct consequences for our health and well-being if I fail.
1 comment:
madness! life is a risk from the beginning to the exit door. insurance is placing a bet on the worst case scenario, which means you are thinking about worst case scenarios which means you eventually manifest worst case scenarios.
WHAT YOU RESIST WILL PERSIST. this is one of the basic truths of existence that emanates from all kinds of literature in all kinds of genres across the world from the mahabarata to new age and it is exactly why INSURANCE IS A HEALTH HAZARD.
insurance is a bogus hoax from the early days of fear politics. I'm sure they still can't believe they pulled it off. it's one of those freak products of society, like margerine, that have perfectly natural, functional and healthy alternatives but somehow slipped in through the cracks of a niche at the right time to slowly become bricked into the establishment of the consensus of sanity.
if you want to get a picture of how deranged the pharmo-medical-insurance model is consider the chinese ECONOMY OF HEALTH: doctor is paid when you are well, doctor is not paid when you are not well. ever get the feeling that the machine of our society has more to gain from us being unwell? how and why this could have come into being is another thesis but I know that you know that we all know that it's a con.
don't invest any more energy or thought or money into the idea of you not being well. and remember that every person is their own healer. trust that you can heal yourselves. long term institutionalised co-dependance with the medical industry has dimmed our collective memories of self maintenance. so we tend to keep eating poisoned processed 'food' and spend most of our lives in a state of hyperventilated nuerosis, then when the organism starts to wobble, we take it to the doctor for repairs.
for your own sense of security you might still put your $1200 away into an account and if you haven't needed it for health-help during the year, spend some of it on something that makes you feel happy and healthy and well, like an account at the local organic store, some good walking shoes, a weekend under a tree at a music festival, some good books, a 'magic happens' bumper sticker, a gift voucher for yourselves for a year's worth of massages... commit to HEALTH AND ABUNDANCE!
...and while you're out walking after your massage and baby is eating his organic banana, people will notice your fabulous healthy glow and you'll make friends with an amazing body worker who knows someone who who knows how to.... (a more likely scenario than getting healed by hanging out in depressing air conditioned waiting rooms inhaling detergents with other miserable people)
if this talk of insurance goes on I'm going to kidnap you three and set you up in my favourite outback bakery. just what the doctor ordered!
may you live long!
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