[woofie]

I had high deductible insurance....and had a major heart attack....and bypass...$300,000 or $400,000 worth of stuff ....My cost? about $6000. Anyone could come up with that if they had to....high deductible is the way to go

[lentulusgracchus]

My cost? about $6000. Anyone could come up with that if they had to....high deductible is the way to go

There are a couple of other things you can do, too.

One is the "in-hospital" plan some outfits offer, that offers you cash payments for days you're in the hospital ward. Typically you buy these in "modules" of $25 or so per-diem payments, priced per module. So if you're in the hospital 20 days, and you had six modules, that'd be $3000 in cash payments to go against incidentals and your deductible.

Then there's the excess-major-medical policy that typically has a five- or six-figure deductible and runs out to a couple of million in payments for a fairly modest premium. That's the belt to go with your suspenders -- a real butt-saver financially for people who've managed to save something up, or who have a family business or farm they're trying to protect.

I hope you're recovering okay from your surgery. Best of wishes for your continued health.