Bill,

I paid $25,000 out of pocket for a hip replacement last year, but over time
I still pay less than my retired neighbors who insist on "full" medical
coverage. This year I shopped around and reduced that deductible to
$10,000. If my wife sticks with that nursing job she just got, we can
reduce that to $4,000, per person. Many people flinch at the thought of
$25,000, $10,000 or even $4,000 for a deductible, but when you compare that
with the cost of premiums that you or your employer are paying, then it is
not so much.

Earle

"L.W. (ßill) ------ III" <----------@***.net> wrote in message
news:4424B926.FFA57310@***.net...
> Hi Earle,
> I dropped collision, comprehensive, too:
> http://www.----------.com/wawanesa05.jpg
> I save all reicepts, as a friend was forced to present, when his
> '73 El Camino was stolen, his insurance finally came up from junk value
> to about half what he had in it, at about ten grand.
> God Bless America, Bill O|||||||O
> mailto:--------------------
>
> Earle Horton wrote:
> >
> > I have liability insurance on all my vehicles, and the homeowner's
insurance
> > has a million dollar liability limit, or something like that. I was
talking
> > about the value of the vehicles, "collision", "comprehensive", etc.
Unless
> > you buy a new car every two years, that sort of coverage is probably
more
> > expensive than it is worth. Although my Jeep, for example, is worth a
lot
> > to me, I doubt an insurance company would give me even $5,000 for it.
The
> > Suburban? Don't make me laugh! Why would I pay more than the value of
a
> > vehicle, over years, just so an insurance company can offer to settle
for
> > pennies on the dollar? The house is a different story. If it burned to
the
> > ground, I would stand to pocket a half million, the way real estate is
in
> > Silverton now. Liability is a different story too, but liability
insurance,
> > unless you're a surgeon, is a lot cheaper than vehicle collision repair
> > insurance.
> >
> > This fellow with the '97 Cherokee is a perfect example of what could
happen,
> > if you tried to insure something that depreciated as fast as a motor
> > vehicle. That $6,000 his insurance company offered him, is not going to
go
> > far towards replacing a vehicle that he considers worth a lot more. He
> > would have been better putting the premiums into a bank account or
Philip
> > Morris stock.
> >
> > Earle


*** Free account sponsored by SecureIX.com ***
*** Encrypt your Internet usage with a free VPN account from http://www.SecureIX.com ***

 

Bill,

I paid $25,000 out of pocket for a hip replacement last year, but over time
I still pay less than my retired neighbors who insist on "full" medical
coverage. This year I shopped around and reduced that deductible to
$10,000. If my wife sticks with that nursing job she just got, we can
reduce that to $4,000, per person. Many people flinch at the thought of
$25,000, $10,000 or even $4,000 for a deductible, but when you compare that
with the cost of premiums that you or your employer are paying, then it is
not so much.

Earle

"L.W. (ßill) ------ III" <----------@***.net> wrote in message
news:4424B926.FFA57310@***.net...
> Hi Earle,
> I dropped collision, comprehensive, too:
> http://www.----------.com/wawanesa05.jpg
> I save all reicepts, as a friend was forced to present, when his
> '73 El Camino was stolen, his insurance finally came up from junk value
> to about half what he had in it, at about ten grand.
> God Bless America, Bill O|||||||O
> mailto:--------------------
>
> Earle Horton wrote:
> >
> > I have liability insurance on all my vehicles, and the homeowner's
insurance
> > has a million dollar liability limit, or something like that. I was
talking
> > about the value of the vehicles, "collision", "comprehensive", etc.
Unless
> > you buy a new car every two years, that sort of coverage is probably
more
> > expensive than it is worth. Although my Jeep, for example, is worth a
lot
> > to me, I doubt an insurance company would give me even $5,000 for it.
The
> > Suburban? Don't make me laugh! Why would I pay more than the value of
a
> > vehicle, over years, just so an insurance company can offer to settle
for
> > pennies on the dollar? The house is a different story. If it burned to
the
> > ground, I would stand to pocket a half million, the way real estate is
in
> > Silverton now. Liability is a different story too, but liability
insurance,
> > unless you're a surgeon, is a lot cheaper than vehicle collision repair
> > insurance.
> >
> > This fellow with the '97 Cherokee is a perfect example of what could
happen,
> > if you tried to insure something that depreciated as fast as a motor
> > vehicle. That $6,000 his insurance company offered him, is not going to
go
> > far towards replacing a vehicle that he considers worth a lot more. He
> > would have been better putting the premiums into a bank account or
Philip
> > Morris stock.
> >
> > Earle


*** Free account sponsored by SecureIX.com ***
*** Encrypt your Internet usage with a free VPN account from http://www.SecureIX.com ***

 

Hi Earle,
I don't know what my deducible was with Blue Cross, the insurance I
took over at Six hundred and fifty per month for a couple of years,
ending when my wife found another job making heart strings at Guidant,
but we gotta have for the catastrophic event, older people like me will
have if we live long enough. I want to leave my kids something as my Mom
did me.
God Bless America, Bill O|||||||O
mailto:-------------------- http://www.----------.com/

Earle Horton wrote:
>
> Bill,
>
> I paid $25,000 out of pocket for a hip replacement last year, but over time
> I still pay less than my retired neighbors who insist on "full" medical
> coverage. This year I shopped around and reduced that deductible to
> $10,000. If my wife sticks with that nursing job she just got, we can
> reduce that to $4,000, per person. Many people flinch at the thought of
> $25,000, $10,000 or even $4,000 for a deductible, but when you compare that
> with the cost of premiums that you or your employer are paying, then it is
> not so much.
>
> Earle

 

Hi Earle,
I don't know what my deducible was with Blue Cross, the insurance I
took over at Six hundred and fifty per month for a couple of years,
ending when my wife found another job making heart strings at Guidant,
but we gotta have for the catastrophic event, older people like me will
have if we live long enough. I want to leave my kids something as my Mom
did me.
God Bless America, Bill O|||||||O
mailto:-------------------- http://www.----------.com/

Earle Horton wrote:
>
> Bill,
>
> I paid $25,000 out of pocket for a hip replacement last year, but over time
> I still pay less than my retired neighbors who insist on "full" medical
> coverage. This year I shopped around and reduced that deductible to
> $10,000. If my wife sticks with that nursing job she just got, we can
> reduce that to $4,000, per person. Many people flinch at the thought of
> $25,000, $10,000 or even $4,000 for a deductible, but when you compare that
> with the cost of premiums that you or your employer are paying, then it is
> not so much.
>
> Earle

 

Hi Earle,
I don't know what my deducible was with Blue Cross, the insurance I
took over at Six hundred and fifty per month for a couple of years,
ending when my wife found another job making heart strings at Guidant,
but we gotta have for the catastrophic event, older people like me will
have if we live long enough. I want to leave my kids something as my Mom
did me.
God Bless America, Bill O|||||||O
mailto:-------------------- http://www.----------.com/

Earle Horton wrote:
>
> Bill,
>
> I paid $25,000 out of pocket for a hip replacement last year, but over time
> I still pay less than my retired neighbors who insist on "full" medical
> coverage. This year I shopped around and reduced that deductible to
> $10,000. If my wife sticks with that nursing job she just got, we can
> reduce that to $4,000, per person. Many people flinch at the thought of
> $25,000, $10,000 or even $4,000 for a deductible, but when you compare that
> with the cost of premiums that you or your employer are paying, then it is
> not so much.
>
> Earle

 

That is exactly what I am thinking, but $650 a month, for catastrophic
coverage, is grossly overpriced. That's why I had the $25,000 deductible
national program, one million lifetime maximum, that cost me $150 a quarter.
Then Colorado fixed its insurance laws, finally, and I can get $10,000
deductible, same maximum, for $150 a month. If I had had your $650 a month
Blue Cross plan, then I wouldn't have had to pay $25,000 for my wife's hip,
because I would have already paid $78,000 in premiums, during the ten years
I had been retired!

If juggling these kinds of numbers gives you a headache, and you would
rather pay some insurance agent to do it for you, then be prepared to pay
for the privilege.

If you can get an employer to pay the premiums, then you are better off, but
of course you have to work to get that. :o(

Earle

"L.W. (ßill) ------ III" <----------@***.net> wrote in message
news:4424C7D0.FCCCA0F@***.net...
> Hi Earle,
> I don't know what my deducible was with Blue Cross, the insurance I
> took over at Six hundred and fifty per month for a couple of years,
> ending when my wife found another job making heart strings at Guidant,
> but we gotta have for the catastrophic event, older people like me will
> have if we live long enough. I want to leave my kids something as my Mom
> did me.
> God Bless America, Bill O|||||||O
> mailto:-------------------- http://www.----------.com/
>
> Earle Horton wrote:
> >
> > Bill,
> >
> > I paid $25,000 out of pocket for a hip replacement last year, but over
time
> > I still pay less than my retired neighbors who insist on "full" medical
> > coverage. This year I shopped around and reduced that deductible to
> > $10,000. If my wife sticks with that nursing job she just got, we can
> > reduce that to $4,000, per person. Many people flinch at the thought of
> > $25,000, $10,000 or even $4,000 for a deductible, but when you compare
that
> > with the cost of premiums that you or your employer are paying, then it
is
> > not so much.
> >
> > Earle


*** Free account sponsored by SecureIX.com ***
*** Encrypt your Internet usage with a free VPN account from http://www.SecureIX.com ***

 

That is exactly what I am thinking, but $650 a month, for catastrophic
coverage, is grossly overpriced. That's why I had the $25,000 deductible
national program, one million lifetime maximum, that cost me $150 a quarter.
Then Colorado fixed its insurance laws, finally, and I can get $10,000
deductible, same maximum, for $150 a month. If I had had your $650 a month
Blue Cross plan, then I wouldn't have had to pay $25,000 for my wife's hip,
because I would have already paid $78,000 in premiums, during the ten years
I had been retired!

If juggling these kinds of numbers gives you a headache, and you would
rather pay some insurance agent to do it for you, then be prepared to pay
for the privilege.

If you can get an employer to pay the premiums, then you are better off, but
of course you have to work to get that. :o(

Earle

"L.W. (ßill) ------ III" <----------@***.net> wrote in message
news:4424C7D0.FCCCA0F@***.net...
> Hi Earle,
> I don't know what my deducible was with Blue Cross, the insurance I
> took over at Six hundred and fifty per month for a couple of years,
> ending when my wife found another job making heart strings at Guidant,
> but we gotta have for the catastrophic event, older people like me will
> have if we live long enough. I want to leave my kids something as my Mom
> did me.
> God Bless America, Bill O|||||||O
> mailto:-------------------- http://www.----------.com/
>
> Earle Horton wrote:
> >
> > Bill,
> >
> > I paid $25,000 out of pocket for a hip replacement last year, but over
time
> > I still pay less than my retired neighbors who insist on "full" medical
> > coverage. This year I shopped around and reduced that deductible to
> > $10,000. If my wife sticks with that nursing job she just got, we can
> > reduce that to $4,000, per person. Many people flinch at the thought of
> > $25,000, $10,000 or even $4,000 for a deductible, but when you compare
that
> > with the cost of premiums that you or your employer are paying, then it
is
> > not so much.
> >
> > Earle


*** Free account sponsored by SecureIX.com ***
*** Encrypt your Internet usage with a free VPN account from http://www.SecureIX.com ***

 

That is exactly what I am thinking, but $650 a month, for catastrophic
coverage, is grossly overpriced. That's why I had the $25,000 deductible
national program, one million lifetime maximum, that cost me $150 a quarter.
Then Colorado fixed its insurance laws, finally, and I can get $10,000
deductible, same maximum, for $150 a month. If I had had your $650 a month
Blue Cross plan, then I wouldn't have had to pay $25,000 for my wife's hip,
because I would have already paid $78,000 in premiums, during the ten years
I had been retired!

If juggling these kinds of numbers gives you a headache, and you would
rather pay some insurance agent to do it for you, then be prepared to pay
for the privilege.

If you can get an employer to pay the premiums, then you are better off, but
of course you have to work to get that. :o(

Earle

"L.W. (ßill) ------ III" <----------@***.net> wrote in message
news:4424C7D0.FCCCA0F@***.net...
> Hi Earle,
> I don't know what my deducible was with Blue Cross, the insurance I
> took over at Six hundred and fifty per month for a couple of years,
> ending when my wife found another job making heart strings at Guidant,
> but we gotta have for the catastrophic event, older people like me will
> have if we live long enough. I want to leave my kids something as my Mom
> did me.
> God Bless America, Bill O|||||||O
> mailto:-------------------- http://www.----------.com/
>
> Earle Horton wrote:
> >
> > Bill,
> >
> > I paid $25,000 out of pocket for a hip replacement last year, but over
time
> > I still pay less than my retired neighbors who insist on "full" medical
> > coverage. This year I shopped around and reduced that deductible to
> > $10,000. If my wife sticks with that nursing job she just got, we can
> > reduce that to $4,000, per person. Many people flinch at the thought of
> > $25,000, $10,000 or even $4,000 for a deductible, but when you compare
that
> > with the cost of premiums that you or your employer are paying, then it
is
> > not so much.
> >
> > Earle


*** Free account sponsored by SecureIX.com ***
*** Encrypt your Internet usage with a free VPN account from http://www.SecureIX.com ***

 

The Blue Cross I took over wasn't just for catastrophic events, it
was an regular HMO with ten and twenty dollar copayments for doctor's
appointments and drugs. And that amount was for both my wife and I.
It is a big headache! I'd like to buy something really nice, but
not going to take the chance.
That's why we have our wives working, to keep us accustom to the
ways we would like to become accustom.
God Bless America, Bill O|||||||O
mailto:-------------------- http://www.----------.com/

Earle Horton wrote:
>
> That is exactly what I am thinking, but $650 a month, for catastrophic
> coverage, is grossly overpriced. That's why I had the $25,000 deductible
> national program, one million lifetime maximum, that cost me $150 a quarter.
> Then Colorado fixed its insurance laws, finally, and I can get $10,000
> deductible, same maximum, for $150 a month. If I had had your $650 a month
> Blue Cross plan, then I wouldn't have had to pay $25,000 for my wife's hip,
> because I would have already paid $78,000 in premiums, during the ten years
> I had been retired!
>
> If juggling these kinds of numbers gives you a headache, and you would
> rather pay some insurance agent to do it for you, then be prepared to pay
> for the privilege.
>
> If you can get an employer to pay the premiums, then you are better off, but
> of course you have to work to get that. :o(
>
> Earle

 

The Blue Cross I took over wasn't just for catastrophic events, it
was an regular HMO with ten and twenty dollar copayments for doctor's
appointments and drugs. And that amount was for both my wife and I.
It is a big headache! I'd like to buy something really nice, but
not going to take the chance.
That's why we have our wives working, to keep us accustom to the
ways we would like to become accustom.
God Bless America, Bill O|||||||O
mailto:-------------------- http://www.----------.com/

Earle Horton wrote:
>
> That is exactly what I am thinking, but $650 a month, for catastrophic
> coverage, is grossly overpriced. That's why I had the $25,000 deductible
> national program, one million lifetime maximum, that cost me $150 a quarter.
> Then Colorado fixed its insurance laws, finally, and I can get $10,000
> deductible, same maximum, for $150 a month. If I had had your $650 a month
> Blue Cross plan, then I wouldn't have had to pay $25,000 for my wife's hip,
> because I would have already paid $78,000 in premiums, during the ten years
> I had been retired!
>
> If juggling these kinds of numbers gives you a headache, and you would
> rather pay some insurance agent to do it for you, then be prepared to pay
> for the privilege.
>
> If you can get an employer to pay the premiums, then you are better off, but
> of course you have to work to get that. :o(
>
> Earle