Healthcare crisis, working the night shift and a wake up call.

You really know how OLD you are when you come home from work feeling like a zombie. What happened to those days when you could do 2-3 days with only a couple hours of sleep each night? I have been counting the hours until I get off this night shift. I'm almost there. I worked over again last night and had some appointments today. I have slept only 2 hours since getting up yesterday afternoon. But, I'm off tonight and tomorrow night, I then return for a night shift on Sunday and then I'm finished with nights, atleast for awhile.The light at the end of tunnel is getting close..

I received a wake up call today that put "healthcare" right into the number 2 spot of my concerns. It is now right behind the "War on Terrorism" of my concerns.

I received my new insurance ID cards today, outlining my coverage for next year. Its so bad that I had to reread the policy a couple times to make sure I actually read it right. You should always know that when you have a low payroll contribution and a very low co-pay on doctor visits, the next sentence is going to be a dandy! Here it is! $10,000.00 maximun coverage per year. What? In case you havent dealt much with healthcare cost let me explain something. I had a surgery last year that while not pleasant was far from being one of the top most expensive surgeries in the world. The cost of that surgery alone, not including pre and post op tests and physician visits nor including the hospital bill was more than $50,000.00..Considering that, can someone tell me what 10,000.00 is going to do for someone in a medical crisis?

I use to worry about my previous plan that had a 2 million dollar lifetime coverage. Hmmm, lets figure that up. I'm 52 right now so if I live another 30 years, which I think is probably stretching it, and use every bit (which of course I won't)of my 10,000.00 per year thats available then this plan would have paid around 300,000.00.. But, thats all missing the point. You arent going to have a medical crisis each and every year but you might have (1) that easily costs in excess 100,000.00. With this plan you would drive yourself to bankruptcy because of it...

I have to spend some time trying to figure out what it is I need to do now because of this. Obviouly this isn't a health plan for anyone who really needs a health plan. It might work great for the group of young folks in the 20-40 year range when 10,000.00 per year may very well cover what they would need it to cover, but, for us baby boomers it isn't going to work. Anyway thats my rant for the day!

If I can stay awake long enough Im going to post tonight on why I think George Bush is the best of the two..