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Reoccurring Stroke possabilty
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gtkull posted:
I had a stroke about 2 1/2 years ago and I'm improving all the time. I have health insurance that cost me $574/ month and I'm wondering if I really need it. My symptoms from the stroke are basically gone and I'm on different medications to control my blood pressure and cholesterol and I feel really good. Do you think I need to continue my insurance, I could find other things to spend the money on?
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2010guardian responded:
Hi gtkull

My husband and I have spent about the same amount of money for insurance for many years. Even though we were on Medicare and our children were raised, but we couldn't afford to be without insurance and were trapped into this amount from past employment. Finally we were able to get AARP suppliment. My husband really didn't need the insurance at that time as he was getting his care and meds from another organization without cost. I was afraid to let the insurance drop. It proved out to be the best thing, as he began more medical problems and the Medical facility could not meet his needs and he had to go to an outside doctor.
We don't know the future, but we do know that as we get older, many different health problems can creep up--not to mention accidents.

Think this through very clearly. You may be hurting yourself and putting more stress on yourself by not having the insurance.

Guardian
 
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gtkull replied to 2010guardian's response:
Hi guardian

Thanks for your info and I am giving this a lot of thought and prayer. I know the chance of having another stroke is greater the older you get but because I'm 62 I can't get medicare or AARP supplement yet so maybe I'll just have to wait until I'm 65.
I appreciate your input.
 
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suppt replied to gtkull's response:
Keep diligently paying. Never enough insurance in this country! Stroke 2 may be just around the corner, given the stats.
 
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Richard C Senelick, MD responded:
So far, the advice in the replies is right on the "money." I know it is a lot of money, but you cannot afford to be without insurance. There are so many unpredictable things that can happen, you must have access to the healthcare system. Right now you are thinking about another stroke, but something as benign as needing your gall bladder taken out, could put a dent in your retirement plans.

The good news is that you are not happy about paying for a health insurance policy you have not had to use. Lets hope that you can say the same thing after paying thenext few years. Avoid the temptation to "go bare."

Good Luck
After your stroke you may be experiencing a new normal, but remember what George Eliot said- It is never too late to be what you might have been. You still can achieve new goals.
 
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gtkull replied to Richard C Senelick, MD's response:
Thanks for your reply and concern about my situation. I will probably keep my insurance and hopefully in 2014 there is supposedly a new system coming that will not discriminate people with preexisting conditions pay such high premiums. Thanks again for your advice.
 
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itmatsb replied to gtkull's response:
To gtkull,
The chances of you getting another stroke if you had the most common one, an eschmic stroke are 25% within 5 years of having the stroke. The second stroke can be far worse since the brain is already compensating from the first one. The costs could be astronomical, especially with the physical therapy. And what if you get cancer? At any age illness is possible and at 62, your chances are even greater.

You think that $574 is a lot? What do you think that others pay for their insurance? It is a great deal when you think what the medical costs could be which would absolutely clean you out. My medical bills are over $200,000 a year since my stroke 4 years ago. My god if I didn't have health insurance we would be bankrupt.

I can't believe that people don't ever think about what medical costs can be and think that nothing will ever happen to them.
 
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gtkull replied to itmatsb's response:
Your right,and I think that I will keep my insurance just in case of the unexpected health conditions that can occur. When I turn 65 in another 2 years or so I will be on medicare and that cost of insurance will be much less. My wife has medicare and only pays $98/mo. for her supplemental plan and it seems to be pretty good coverage. Thanks for your advice.
 
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itmatsb replied to gtkull's response:
I'm so glad for you. If you don't have a major illness in the meantime, you will be a true winner since there is also a ton of suffering and grief with any major illness. Thanks for letting me know. And I do wish you the very best.
 
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itmatsb replied to gtkull's response:
I'm so glad for you. If you don't have a major illness in the meantime, you will be a true winner since there is also a ton of suffering and grief with any major illness. Thanks for letting me know. And I do wish you the very best.


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