I need help thinking about which health insurance plan I should get.
Given that I have literally been blacklisted from physical therapy; that doctors have mostly proven themselves to be incompetent and useless; and that I have been physically injured and emotionally traumatized by the Medical Deities (MDs), I wonder if I should switch my coverage to what’s known as “catastrophic health insurance” ($85/month), which will take care of emergency room visits ($100 co-pay) and hospital visits ($1000 deductible, $3500 maximum out-of-pocket), but will not cover me for any outpatient services.
The thing is, once I downgrade to this plan, there’s no going back. With a pre-existing condition, I will never again have access to general care health insurance. And yet, I rarely go to the doctor anymore. All of my healthcare is out-of-pocket, for private physical therapy, acupressure therapy, nutritional supplements, and so on — the things that actually help.
But what about if I need blood tests or prescription meds? Will it be more cost effective to have those covered or to save $5,000/year on premiums? Or what about if, G-d forbid, I end up with some kind of condition that requires medical intervention outside of hospital care? Would I ever even turn to outpatient medical care, given the energy healing direction and focus of my life?
It gives me the heebie-jeebies to have to think like this. The health insurance representative actually asked, “What if you get cancer and need chemotherapy?” I hate this plan-for-disaster orientation (and I hate the suggestion coming from a stranger). I hate the fact that in order to protect myself for the the future, my ability to pay for true health care (complementary medicine) in the present is potentially compromised.
What I’ve done for now is downgrade from a $750/month HMO to a $499/month HMO — the least expensive plan I can get without downgrading to hospital care only. I need help thinking about whether I should stay on this plan or go to the catastrophic health insurance plan instead. I’d love to hear your thoughts and the reason behind them.