With Or Without Health Insurance Is A Good Question

My life has come a long way. It's been live and learn and I have experienced all sorts of things. Living with and without insurance has been quite the risk. Depending on our financial position, I was mostly in favor of having it but often went without. For me it was always a priority with a large family to support. Back then we were fortunate to not ever have needed it.

My wife called it a middle age crises I called it needing to spread my wings. In my late forties it was time to see the great outdoors. Whatever it was my wife was ready to do whatever it took to get me though it. That ended up being a motorcycle. I road everywhere on the weekends, that got kind of boring so I made some new biker friends.

It was with some of those new friends that it all went from great to bad. For the last two months it became traditional that on every Saturday we set out for a 200 mile ride to a city with great country back roads perfect for motorcycling. On one of those roads I was trying to catch up with the group, the road came to a curve and narrowed. There was on coming traffic and I was going way to fast. I was not able to make it.

The worse part by far was probably when they contacted my family. I was hurt pretty bad, unconscious and needed to be lifted to the nearest trauma center in the next town. I spent a week in a coma from a fractured scull and sustained several broken bones. Need a few weeks for recovery and was able to go home after month. After I got home I still needed visits to specialist, many prescriptions and spent a year in and out of therapy.

Even though its been a few years I still am not completely recovered but am getting on with my life. I am telling you this to inform you of the importance of haveing good health insurance. In the small amount of time of two years I accumulated a $225,000.00 tab. Our health insurance plan had a high deductible and out of pocket was $5000.00 that we were able to make monthly payments. The balance was covered by my Health Insurance company! At any other given time I may not had been covered.