My Insurance Experiences

I was reading an article this morning where they were discussing how,when we buy and pay our health Insurance premiums,the company can use those funds to take care of any heath care need that goes against our beliefs.The article was by the samaritanministries.org.I think it was actually an ad on the side of a news page. It also said that they share each others medical needs through a simple Biblical approach that does not involve Health Insurance. The monthly share,they go on to say, for a family of any size has never been more than $285.00 and Less for couple and single parent families.Sounds like a winner to me.Also something to think about as you pay your premiums,huh?They could be using your money to cover health care cost of a sinful life style.Like drug abuse or something.Anything that a policy covers,they can use your premiums for.Food for thought.I found this info on AFA online American Family

         Before I had my unfortunate accident ,about 2 months before,my hubby had an accident. He and my son who do carpentry and drywall were working on a job one day. Hubby was using a table saw,or I think that was the type he was using pretty sure of it. He accidently cut a portion of his finger off.

My son ended up talking him into going to the Emergency Room. He drove his dad there and they mostly just cleaned it up, not much else to do there.But the cost was expensive!So that was 2 accidents that our son had to drive us to the ER on 2 seperate occasions. I guess he is wondering “What Next!”…lol Quite frankly so am I. Don’t think you will never need the Insurance .This was the first either one of us had needed to go to a ER and we both went within a couple of months of each other.

       I recently had an accident.This was the first time I ever had to use the Hospital Emergency Room.I was using a pair of pruning shears to cut weeds.I don’t know how it happened but I dropped them and they somehow hit my leg below my knee.I did not realize at first that my leg was cut.I did feel a sting  and when I reached down to retrieve the shears,I saw blood was running down my leg.I tried yelling for my kids but no one could hear me.One reason being one had on the ear phones to the pc and one had the phone to their ear,the other was in the yard playing with a friend and the neighbors had a motor cycle running up and down the road ,so of course they could not hear me either.I was thinking a person could die here and no one could hear them!By this time my sock and the tongue of my shoe was soaked with blood so I had to hold my hand over the cut and walk stooped over back up hill to my house.

       My son drove me to the hospital where I sat in a wheel chair holding a blood soaked dish towel over my leg for 2 hours.After 3 stitches I went home. My bill for the Hospital Emergency Room was over $500.00 and the bill from the Doctor was over $800.00.I would have never thought that something that small could have cost so much.Thats what it cost without insurance,so be prepared to pay those bills if you have no insurance.
I recommend this site for all your Insurance questions