As one who was SE for a time, I never worried about insurance. I had it yes, but I ran the risk. I ran a high deductible and per occurrence policy. I have that now as well. I generally get a $2000 deduct, major medical and let it eat. We don't run to the doc every time we have a runny nose. Now per occurrence, if you break your leg and leave the e-room on crutches and trip and break your arm, it's another $2000. Risk I am willing to take. It is around $1000 per 6 months. That includes myself, wife and 2 kids. No dental, no vision, either. Just live within your means and it is all good. Pay cash when and where you can. Dentist are very nice folks when you flash paper with faces. They know they are going to get paid on the spot. Same with the local eye doc.
One other thing, when we had Gator, we had no maternity insurance. It was more in the long run, so much for so long before you could even think of getting pregnant. So when it happened, I talked to the doc, told him the issue. Got an extreme discount from him and the hospital for paying cash. Once again, live with in your means.
Last edited by Steve Southwood; 05-04-2012 at 12:49 AM.
If you don't take pride in your work, life get's pretty boring.
Rule of thumb is if you don’t know what tool to buy next, then you probably don’t need it yet.