Here is a sacrificial goat I am burning at the altar. Please don't let bad things happen to me.
Here is a big pile of sacrificial money, that may as well be burning at the altar because I will likely never see it again. Please don't let bad things happen to me.
A quote from Kristin Cashore, author of young adult fiction/fantasy:
“Q: Why do you use swear words on your blog, but never the F word?
A: Because I'm saving the F word for the day when I write a blog post about the for-profit health insurance industry and the way its CEOs become wealthy by not only preying on, but exacerbating, other people's personal tragedies.
When my daughter was little, she used to play a card game with my mother. It was called, "Amy Wins." So you can guess how that went.
The insurance industry has become a gambling game of "You Lose." But we can't guess how that is going to go. We burn the money and never see it again while an industry benefits or it pays off because something bad happened. We "win" the bet by losing a house or a car or our health. This is not a fun game.
I've said all this before, I know.
So I hate the concept, but the reality of it is I have to have it. So I need to get over it.
I have good health insurance. I want to stay healthy, but I also know too well how quickly costs for medical care can escalate. I am not messing with health insurance although I do agree with Dennis Kucinich (D-Ohio) who said we need universal health care, not universal insurance.
I don't have dental insurance. I could get it but the expense seems out of proportion to any hope of benefit. Usually I get two cleanings a year. That doesn't cost nearly as much as insurance would. Sometimes a filling falls out or x-rays are recommended, but I still think I am better off without the insurance. I suppose I could start going to a clinic instead of a private dentist and save that way. Of course, I am saving a bundle by not having the $11K worth of cosmetic work done.
I just got done paying home and car insurances and I have been advised that I can make some savings here. This is why I am spinning into angst--I have to think about insurance and go so far as to talk to insurance agents. I can up my deductible and pay less for the car insurance. If I sock away the savings, I will be able to meet the increased deductible should I have have the bad fortune to "win" the "You Lose" game. So I will have to look into that--but not while I am using a car to travel between VT and FL.
Maybe I will save some money if I shop around. Hey, all this time I thought I was being rewarded for loyalty. Hmm, apparently not. I need to investigate consolidating with one agent/insurance company maybe as well. I may have to be making one of those "I unfriend you" decisions. I do LOVE this commercial.