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Also, what kind of crappy insurance do you have that you are afraid to take an injury that restricts your activities to a doctor?
dm
Speaking for myself, the 'typical' insurance that those of us that don't get insurance through work have has about $6K - $7K out of pocket; most of that deductible then co-pay. That is truly burdensome to me. It probably is to others. I nearly died 6 - 7 years ago from acute appendicitis because I had a) an unusually high pain threshold and b) no dough to pay for an MRI for a conclusive diagnosis. I was willing to risk that I would get better (maybe it was just an acid stomach) than to incur unmanageable debt. I learned the hard way that is is better to go to the doctor and suffer the financial consequences than to die when I finally succumbed to the advice of a friend and went to the doctor's office where they immediately sent me to the ED, a CT scan and immediate surgery followed by a 7 day stay in the hospital. Since then I've been less reluctant to get a doctor's opinion but I am also fortunate that I had supplemental accident insurance that more than covered out of pocket expenses and my subsequent needs for a doctor were accidents. Some kind of fortune, right?
Let's just say it is hard to balance your health and your finances with the current state of insurance and health care costs. The health care and insurance markets are way beyond broken. One often has to put oneself in huge financial debt to secure proper medical treatment, even with insurance.