the long term
I had a frank talk with a financial adviser myself last year and it left me a bit crestfallen. One thing she did tell me was that it was unlikely I’d be able to get long-term care insurance due to a chronic health condition. At a group meeting with another financial adviser, we were told long-term health insurance is being phased out because it hasn’t been found to be profitable, but I haven’t checked around on that.
The health care issue and being your own boss is a tough. I totally agree that our system is not serving us and healthcare costs too mucyh. I am reading a really good book on the subject called “Healing America”. The author actually compares the systems of other wealthy democracies with our own and he learns a lot. I think we all need to educate ourselves on healthcare to make good decisions.
Having said that…I can understand the disappointment. At least you have great insurance. Many (even sick people) do not even have that. Gosh what a crazy system we have.
I personally do not go to the doctor because the costs is such a headache. Even my two “free” visits last year were not and I had to go thru the billing with a fine tooth comb. Seriously, the bills are worse that the illness sometimes. I pray I never get seriously sick.
I have to buy my own insurance. The best thing that ever happened to me in regards to that is getting an insurance broker. They explained everything and gave me all my options. They also help me deal with medical bills and make sure they are billed correctly. Not all brokers are wonderful, however, some just want to sell but if you find a good one, that helps you buy a plan that is right for you, they are a godsend.
Interesting I’ve never heard of that before!