Hello Telly! The "bane of ERs" indeed. We have been
kind of forced to change our approach to this vs. when
I first opted out in 1993. Initially (I was single then)
I just bought individual coverage for calamities and
disasters. It was pretty cheap, maybe $150 per month
with a $10,000 deductible. However, I switched
companies several times and acquired some chronic health issues while this was occurring. Eventually
I could no longer find conventional major med. at any
price, and based on what I have seen of the premiums
couldn't afford it if it was offered to us. Thus, we now
have a kind of hybrid coverage, more or less the
reverse of where I started out. We now have coverage
for most everything EXCEPT calamities and disasters.
The way it works is that every condition/treatment is specifically
capped as far as your coverage. We love it as it
is simple and affordable. Alas, a really major illness would not be covered over a very minimal
limit. If that happens I am hoping for a very short
interval between the onset of symptoms and my demise. Speaking of a short interval until my demise,
I suspect there may be some hoping for this, regardless of my insurance situation
.