Was Mom Right After All About You At Least Still Having Health?

Ahhh, remember when Mom or neighbors would say if you lost some money or if you had some misfortune, “Ah, at least you got your health.” Is Mom right in terms of business and money or is she just being mom and being polite and loving? The answer is she was very right.

The cost of health can’t be measured until you start having bad health. All of a sudden, and this rings true for people with disabilities and special needs, there is money that you need to come up with to get tools or equipment or services that can help you or your family. You will find that simple inexpensive items have their prices jacked up if there is insurance reimbursement and it pays to get both the over-the-counter-price for medications as well as the insurance price to compare. Go generic if you can.

Once you have health issues things that you would take for granted are roadblocks to earning a living, to even getting up in the morning sometimes. Let’s take something as simple as breaking an arm – something I did rather stupidly a few years ago. My emergency room visit came in at around $9,879 and my co-pay was only $100. That covered x-rays, drugs to keep me from screaming like a mainiac and some bandages. I had pain killers and antibiotics that would have run me about $400 and I only paid $50 for them. I had therapy that was out of pocket $25 a visit an my insuance picked up the rest.

I didn’t have the cash to pay for the whole thing out of pocket but if I was out of work and didn’t have insurance back then I would have had to pay for all of that or go around in pain with one good arm and one broken arm. If I had to set it myself I probably could have and then I would have had a healed arm that wouldn’t look right.

Like any other business, you pay for the professionalism and quality of service that you would expect from doctors and hospitals. It isn’t cheap though. Preventive medicine and good health, diet and exercise, as simple as they are to talk about, are what it is all about in trying to avoid hospital visits.

People who are out of work cannot afford to drop money like that and it is a good thing that the Cobra benefits will be continued and hopefully partially picked up by the Federal government. It turns out that not only was Mom right, Mom had the right idea about keeping us healthy and trying to teach us good hygiene and health information.

Thanks Mom and thanks readers. Stay healthy so you can get back to being wealthy.

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