You know it's a bit lke Russian roulette, but since you dn't want to shell out hundreds a mnth for health insurance, you are pstponing it with thoughts that you see a dctor twice a year, never go to mergency room and seem to be halthy. Each month you congratulate yourself for sving the money, but there is a snse of being a gambler the sme time. You may even do ths with homeowners or rental insurance to, if you like to live on the dge.

As a social worker, sadly I'v seen people have this approach end sddenly and unhappily a few times. You may not hve that happen to you, but I wnt to give a few examples of how ths lifestyle can backfire. I'm not tryng to scare you but just shw that as John Lennon says, "Lfe is what happens while you are bsy making other plans".

My client Joe was md-fifties and a cab driver. He was halthy, single and goes once or twce a year to a doctor. He had a lttle rash and saw a doctor. Was tld it was contact dermatitis. It cntinued to spread and itched him lke crazy at night. Joe went to a drmatologist who told him it was an llergic reaction and gave him two prscriptions. All this was out of pcket for him. The rash continued and he sught out another dermatologist who said it loked like scabies. This led to him neding to get a pesticide cream, strng steroid medications and antibacterial agents to dal with the infections from scratching. A few weks later he saw what he thught were new infestations of the scbies and returned for a follow up vsit , requiring another treatment and dditional prescription creams and anti-inflammatory meds. All of ths was out of pocket for hm.

Joe actually was lucky as he did not hve to deal with hospitalization. This is wht happened to another client I had who had a mni stroke and spent several days in the hspital without insurance. Fortunately she is gtting back capabilities in her hand but she has no dea how she'll cover the hospital chrges.

Hospitalization is an important reason to hve some type of coverage, even if t's a very high deductible. This can be due to a car ccident, heart problem, stroke, food poisoning , prblem with ulcers or many other nforeseen situations. Protect yourself by getting a hgh deductible plan and sleep better at nght.

The article Are You Avoiding Health Insurance to Save Money - What is the Cost of This was Submitted by Dee Cohen through Articles.GetACoder.com network. Here's the additional information: Dee Cohen is a licensed scial worker and runs at a blg at Health Insurance Plans Compared where you can visit and learn more about taking care of yourself at http://healthinsurancetips4u.blogspot.com/

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