I don’t know whether to bless it or curse it. I bless it when I need it and it covers a medical/dental procedure. I curse it when it doesn’t and when I pay my monthly premium. Now, what am I getting, exactly, for this big chunk of change? Sometimes I think I would be better off to buy disaster insurance and take my chances. Because that’s what the insurance game is all about: taking chances. It’s legalized gambling. What I’m gambling on, though, is my and my family’s health.
I’m not a gambler; have no interest in Las Vegas, casino boats, and the like. I work too hard for my money to see gambling as a form of entertainment. I have no problem with other people gambling. It’s just not for me.
I suppose, then, it should come as no surprise to me, that I gamble very conservatively with my health. I assume that at some point in the year I or one of my family members will need the E.R., an ambulance, an unexpected trip to the doctor, etc. What if it’s more serious, though? Am I willing to have disaster insurance that will pay everything after $100,000? Nope. That’s too much for me to risk. So I gripe and complain every month as I pay my ridiculous premium.