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Re: OT/ farm health insurance
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Posted by TheRealRon on September 22, 2004 at 04:57:10 from (69.179.22.36):
In Reply to: OT/ farm health insurance posted by Ray on September 21, 2004 at 19:20:48:
I feel for you guys, all of you. Before I met my wife she had worked for a large health insurance company. She told me flat out it's a scam. So we did something different, something that might help especially the younger folks. We self-insured. Basically we put away a small amount each month into a bank account strictly for medical and dental expenses. We pay cash for services from that account. We don't seek services for trivial things like "colds". We are responsible for our own medical knowledge; example: a doctor diagnosed her with a serious medical condition and wanted to put her on $300/month worth of pills for the rest of her life. We did our own research, got a second opinion, and found out she really had a minor thyroid problem solved by $12/month worth of pills. Yes, you have to have discipline to put money away each month and not touch it for anything else so it may not be for everybody. But it can pay off; we have saved over $250k (premiums - actual costs) during our marriage through self-insurance.
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Memories of a Farmall C - by Monty Bradley. When I was a child, my grandparents lived on a farm owned by a Mr. Walters. The crops raised were cotton and soybeans, with about forty head of mixed breed cattle. Mr. Walters owned two tractors then. A Farmall 300 on gasoline and a Farmall C, that had once belonged to his father-in-law, and had been converted from gasoline to LP Gas. Many times, as a small boy, I would cross the fence behind the house my grandparents lived in and walk down the turn row to where granddaddy would be cultivati
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