Originally Posted by
patentcad
I just got done paying off the $2,000 ER bill from the hospital. I crashed in May, our health insurance blows on the low end (high deductible co-pay), so I've been paying that off since my Nyack Ride crash last Spring. On the other hand once our out of pocket hits like $5K they pay 100% of everything with no ceiling. Kind makes you hope you'll get a complicated near-terminal disease at times, but then you think it through.
All that for an ambulance ride, a CT scan, a doctor telling me 'you didn't get a concussion' (yeah, whatever you say Doc, I lost consciousness for ten minutes and then had nausea and headaches for a week). They wanted to stitch up my head and I told them to bite me. I like the little scar anyway.
Just so you know, there's only one scarface on BF
Originally Posted by
Yaniel
so he should sit at home watching tv and drinking beer and instead of crashing a bike, he dies of heart disease by 45?
You do realize that the world is not a choice between two extremes, yes
Originally Posted by
merlinextraligh
AFLAC, or more seriously, an appropriate disability insurance policy is the answer.
Given that most people cannot afford to absorb the loss of their ability to earn income for a substantial period of time, most everyone needs disability insurance, whether they ride a bike or not.
Thus insuring yourself against the loss of income (as well as having medical coverage) is vastly more valuable than insuring the bike.
You can typically get it written up to 60% of your income. And if you buy with after tax dollars the benefit is not taxed, so 60% of your income comes close to making you whole.
Yep, long term and short term disability are quite important.
Originally Posted by
DinoShepherd
No you don't.
-Z
ughh, he actually does. Even dental implants are fully covered in Canada, and quite a few people need it given how hockey players like to duke it out.