With apologies to Kommandant Klink
Ever heard life insurance defined:
The life insurance company is betting that you won’t die. You are betting that you will die. And you hope the life insurance company wins the bet.
Since I entered the world of 1099s, I have been shopping for health insurance.
I do have excellent secondary coverage, but I want primary coverage so I can cover my younger son.
The policy I finally settled on (have you ever shopped for medical insurance?) through my professional society involved a $10,000 deductible and a monthly premium of almost $600.00, but it did include good emergency room coverage.
And, bluntly, what type of coverage is a young person most likely to require?
Yesterday, I got word that the application was denied.
For both of us.
For me, because I am Old.
I’m not in bad health, but I do have That Bad Smoking Habit, high blood pressure (well under control), and very mild sleep apnea. In other words, I’m not atypical for someone who’s lived almost six decades.
My son got denied because he had kidney surgery several years ago to correct what the doctor (an internationally renowned pediatric kidney surgeon, though we did not find that out until later) was pretty sure was a congental problem that, today, would have been detected early, but, when he was born, probably would not have been.
As I said, I have excellent coverage.
But what about my son?
Upyernoz has a related tale.