Insurance comes with restrictions, rules and limits... Most non-insurance benefits companies don't have all the red tape.
You will pay more out of pocet for each induvidual thing, but less for the coverage and not have all the restrictions.
I always suggest that someone with a discount program like mine starts a HSA. And HSA (health savings account) allows you to save money, tax free, to be used towards healthcare.
We put about $150 a month in to our HSA. Once my hubby is off his Rx we will up that. But an HSA allows you to put money away to pay for your healthcare. But should you need it, it's there. Unlike w/ insurance which you pump money in to each month just to loose if you don't use. Also, an HSA, doesn't require you to put money in to it. So if you don't have the money this month, you don't put any in.
This allows you to have money to pull from and not have any OOP costs.
PM me if you have questions!
at 1:42 PM on May. 24, 2009