Deb m wrote:Dam insurance companies. You can't live without them, but you can barely live with them!
Actually some can theoretically live without them and prosper, we did totally without them for years 1, 6, 7, 8. Year 1 because claims and fights would slow us down, sap energy and frazzle nerves. You would laugh at our low insurance benefits yrs 2 - 5.5 (my wife aged out after 65). Many might envy the lifestyle aspects of my wife by not fighting the medical and insurance systems, not suffering from the treatments so, not over paying generally, not paying much for time wasting nonperformers and parasites; mostly getting what we wanted at home or a better-than-US-average hospital experience. Her yearly medical and cancer costs have never equaled the published ACA premium rates for her in the US either.
So no ACA/US insurance premium, no US insurance drug and medical deductibles, no formulary restrictions, and no US insurance declines, we're at least $ $$$,$$$,$$$ ahead right now. Both of us probably would have died, me apoplexy or heart, her either cancer or apoplexy, with the "normal" US bs.
We achieved enough self sufficiency the first month(s) to avoid lock-in to more expensive, less effective answers and providers in 2010. And there's the rub, taking effective actions near the start, and to be willing and able to be, or become, more independent and self sufficient without too many mistakes (hopefully fewer than with insurance "guidance"), and probably outside the US part of the time. Also the newest, sometimes insurance participating, ultra expensive medicines can be somewhat more enticing in 2019 than 2010, dependent on your particular cancer biology (my wife still wouldn't benefit enough with the most commonly fatal CRC features). However, my inspiration for independence is an older friend and her sister in the US, cancer survivors from ~25 years ago.
To me, US medical costs, insurance rates and the practices of both have become unsustainable. But I don't particularly want US/European style single payer answers either - most might be too low benefit/high cost and effort for us (obstruction, refusal and interference are big negatives).