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Kimberley Homer's avatar

My children are concerned that I am going to drop all health insurance, including Medicare Part B, when I turn 65, but there just isn't any medical care I'm willing to submit to that isn't cheaper paying with cash. Dental care, as you point out, is something you do for yourself with good habits, and insurance doesn't even cover fillings anymore. Even a colonoscopy costs less than one month's health insurance premium. I am sure if I did submit to all of the tests insurance "pays" for, I would be on multiple prescriptions, need spine stabilization surgery and a knee replacement, but living in a house with stairs and in a neighborhood with a steep incline gives me all the physical therapy I need, and stabilizes my mood, too. I will get my cataracts fixed before the health care system really craters, and the eye care people I see put on masks when they see I'm wearing one, and I've got gas masks, water purification, basic first aid, and herbal medicinals for the increasingly unhealthy environment we dwell in and have no control over. If I need more than that and can't afford it, I'm content to fade out. What if a significant number of us refused to buy health insurance? What would happen?

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Terrance Ó Domhnaill's avatar

I am fortunate in that I have cheap government health insurance. A trade off for all the bad things the U.S. military put me through during my military career. I have no choice but to pay for Medicare but my Tricare for Life is free now. I only pay about $52 a month for Tricare Prime for my younger wife. It used to be $25 not so long go. I do have cheap dental and vision insurance as well. But the downside is that we live in an era of text book medicine. If you complain of an ailment that isn't in their medical textbooks, the doctors throw some shit against the wall and diagnose you with whatever sticks to the wall. I have been misdiagnosed a lot since I retired from the Army. Especially by the VA. They have given up on several things and just awarded me 100% service connected disabled. Better to just throw money at me in disability than spend more money trying to figure out what they did to me while on active duty. I'll take it but I have to wonder what my life expectancy is these days.

The VA replaced one of my hip joints a couple of years ago, telling me that I had no choice anymore. it was either replace it or wait for it to break. I was very close to the break point they said. My right knee was put up for replacement twelve years ago but I refused. I made adjustments in my life style and sleep positions and I'm good for now.

My wife and I try to walk some everyday we can. Even on this epic vacation around the country. At home, I have a rowing machine for morning PT and we walk in the afternoons. We do our best to eat healthy foods and take some, what I call, senior vitamin supplements every day.

Will all of this healthy living prolong my longevity? I can't answer that but it doesn't hurt, yet. I am always wondering in the background whether I will come up with some kind of weird cancer because of all of the things I was exposed to during my military career. I guess I won't know until it happens, if it does. If I do end up with another weird life altering something, the VA will jump thru their usual hoops and end up throwing up their hands again, telling me they can't help me. What a world.

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