Originally Posted by suebrown
I had health insurance for the last 4 years. The only things I ever used it for were repetitive stress injuries gotten from sitting at a damn computer all day.
I am happy to hear you had no serious health issue.
I was always healthy also, until 1995, when I was on a waterskiing trip and contracted the life threatening bacterila infection, Necrotizing Faciitis. (The flesh eating Bacteria) I was in great shape, just had skiied and wakeboarded for 7 straight days but this infection puts you into septic shock and I was depp in a horrible downward spiral towrds death. Was airlifted to Seattle from Chelan in eastern Washington. I had emergency surgery within 24 hours of diagnosis as the only way to save you is to start cutting your skin off. Had 4 surgeries including a large skin graft and was in the hospital for over a month. Then home health care for 3 weeks and din't work for 6 months.
50% of the folks who contract this form of Strep A die the other 50% are missing major body parts.
I was truly lucky due to the incredible medical care I received. This was somewhere in the 300K-400K possibly more,range of expense. The helicopter ride alone was 6K.
I paid $100 deductible. I also had fabulous disability income insurance that paid 7 weeks at 100% of my income then 60% for the balance(through my employer, but I elected it & paid for a portion) I also had a couple of smaller policies that paid me more after 90 days.
Now before August 18th of 1995, I too had only had a sniffle.
Now to top it off after six months of recovery and rehab, I was back skiing in February, warming up for a City League Race. It was 0 degrees out vey rare here. I was on a pair of Volkl 207 P10 RS Supers. Caught a tip on a gate in the warm up course and factured my fibula on the same leg I had the infection in (actually the infection got me on the side and front of my right hip)
This is why insurance is a necessary. If this could happen to me it can happen to anyone anytime.
This is alos why it is expensive. You are paying for the'RISK' that you transfer to the insurance company and they have years of data to know what the chances are your are going to use your coverage.
After spending a month in the hospital and seeing 1st hand the life & death decisions and sadness that Doctors and nurses must deal with on a daily basis, they desire waht ever they charge.
Tjhey saved my ass, and I am 100% with no limitations after this episode.
I know I couldn't deal with the emotional stress and grief they see everyday when they go to work!
Nurses are truly angels. I don't know how they do what they do day in & out!