Life insurance!!!!!

$65 a month for dentist coverage and pharmacy? How about health?

I used to think insurance was so frustrating to deal with, and a big sham, since it still seems like we end up paying a lot of money to visit a doctor or dentist. But then I had someone put it in perspective for me. Insurance was never designed to cover the routine doctor and dentist visits, it was designed to protect you from a catastrophic medical emergency. For example, one of my co-workers had a fast-spreading form of cancer and had to undergo aggressive treatment to rid the cancer. She spent many days and weeks in doctors offices and hospitals over the course of several years to get the treatment she needed. All told, her total medical bills ended up being just under a million dollars, something she would have never been able to afford to pay without insurance. However, insurance covered the majority of the costs for her, and I think she paid less than $30,000 out of pocket for all her treatment. $30k is still a lot of money, but a much better number to have to deal with than a million dollar doctor bill!