Good news, Mr. Micah and I are finally insured (no, not life insurance, but it’s a good pic!). We spent some time trying to sort it out, I got mentally overloaded, then I got scared and depressed, then I got on it again. I ended up in conversation with an insurance agent, per FrugalBabe’s suggestion. He was very helpful.
Yesterday, he got us set up with short-term health insurance which covers us from today until January 13th. One nice thing about short-term insurance is that I applied for it yesterday and it started coverage today.
This won’t cover doctors’ visits. It will, however, cover us if something bad happens and we end up incurring a lot of hospital costs. It’s a good starting point.
I’ve also applied for normal health insurance to cover us after that. It’ll cover well visits, OB-Gyn, etc for a copay. Then there’s a deductible…so we’ll be paying other medical expenses out of pocket, but it’s a start.
This is good, good, good. It’s something I’ve been needing to do for too long, since my old coverage expired.
Putting off getting insurance is one of those things I did because I was scared. Like plonkee (in her guest post @ GRS), I was scared about financial insecurity. It’s so strange–I was scared of spending money to buy a product which could save us from bankruptcy.
Finally, my fear of illness and some hint of rationality got through my thick skull.
You could definitely call this a financial mistake–but it has a good ending at least. The consequences could have been much worse. I’ve learned…I finally appreciate the value of insurance. And I think that’s what matters in the long run.
photo by leonid mamchenkov