TOP TEN INDICATORS THAT YOU HAVE A CHEAPER HEALTH CARE PLAN:
(10) Your annual breast exam is done at Hooters.
(9) Directions to your doctor's office include "Take a left when you enter the trailer park"
(8) The tongue depressors taste faintly of Fudgesicles.
(7) The only proctologist in the plan is "Gus" from Roto-Rooter.
(6) The only item listed under Preventative Care Coverage is "an apple a day..."
(5) Your primary care physician is wearing the pants you gave to Goodwill last month
(4) "The patient is responsible for 200% of out-of-network charges," is not a typographical error.
(3) The only expense covered 100% is "embalming."
(2) Your Prozac comes in different colors with l ittle M's on them.
AND THE NUMBER ONE SIGN YOU'VE JOINED A VERY CHEAP HEALTH CARE PLAN:
(1) You ask for Viagra and they give you a Popsicle stick and duct tape!
I got this email the other day and laughed so hard it hurt, kind of an inside joke about the direction some politicians want to take us in the future. But really folks, rationing healthcare is slowly becoming the norm. Just ask any Canadian with heart trouble where he or she would prefer to be managed for the condition. Certainly, the cost of care is high, its a matter of quality of care. If you are diagnosed with cancer or heart disease or any other major issue are you going to question what you are paying for the coverage you have? Doubtful, but that doesn't mean you should blindly accept the plan you have either. Health insurance is not a cure for the diseases we have it merely finances it's cost. You wouldn't pay 15% to a bank to mortgage your home, so why pay an insurance company 10-15% of your income to cover your body.
The reality is that 80% of all claims insurance companies pay don't exceed $2000 for a family, a little over 1% of all claims paid are the heart and cancer patients, where claims exceed $100,000 or more. Sensible purchase of health insurance should be to buy catastrophic hospital coverage with deductibles of $5000 then fill in with supplemental coverage such as limited benefit plans, disability income and long term care. Not only are you saving on premium cost but you will be covering the cost of care with little or no out of pocket expense, other than the premium you pay. Rethink your priorities, and if you need help call your agent and if you don't have one email me, I will send you some info.
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