Insurance?

[Sly]

One of the 46 million that are uninsured here. Hiked over 10,000 miles without it. What's a poor boy to do?

[max patch]

Hey Sly, now that you live in beautiful Cobb County you can listen to Boortz. 750 on your dial. Anytime someone would say they "couldn't afford" insurance he'd ask a couple questions:

Do you own a car?
Do you own a television?
Do you have a phone?

Turns out that people CAN afford insurance. They just choose to spend their money on other things.

[Sly]

Hey Sly, now that you live in beautiful Cobb County you can listen to Boortz. 750 on your dial. Anytime someone would say they "couldn't afford" insurance he'd ask a couple questions:

Do you own a car?
Do you own a television?
Do you have a phone?

Turns out that people CAN afford insurance. They just choose to spend their money on other things.

Well, it seems in a city of how many million, all I can get on the AM dial is the likes of Boortz. You'd think they'd have the other side if not just for haha's

Anyway, how would one manage without a car or a phone in the work life?

Do you own a car? Yes, paid for. Insurance is $35 per month
Do you own a television? Yes, paid for.
Do you have a phone? Yes, $35 per month.

$70 per month is NOT going to buy health insurance. Now, I guess I could get insurance rather than hike, but I'd rather take my chances to do what I love, then live to buy insurance.

[Cannibal]

Do you own a car? Yes, paid for. Insurance is $35 per month

Holy Crap! Who's your agent I ask as I mail off my $120 monthly premium.

For the record, I don't have a phone. Turned it off two weeks ago and don't miss it AT ALL. I won't have a phone for 6 months while hiking so why not start now before the politicians start calling?

[pitdog]

I agree w sly.I own my own business and have several insurances.Every time I need the ins.companies I invest in,for ins.Its like pulling teeth.Some people,mostly state workers,get reduced rates and we ,small business,foot the bill.

[Lone Wolf]

One of the 46 million that are uninsured here. Hiked over 10,000 miles without it. What's a poor boy to do?

me too. no insurance

[EWS]

me too. no insurance

You have a stock portfolio, but no insurance. Interesting choice.

[pitdog]

You go lone wolf,the moneys I had spent on ins I could hike for the rest of my life.Im sick to my stomach.

[jesse]

I don't know about Florida, I am licenced in Georgia. The Blue Cross plans in Georgia suck. The only time I have people go there is if Blue Cross is the only company that will isure them because of health reasons. The best plan in Georgia is a Health Savings Account qualified plan from Golden Rule. $53.25 to insure 22 year old male, with a $5,000 deductible.

[ChinMusic]

You have a stock portfolio, but no insurance. Interesting choice.

Choices indeed..........

[Lone Wolf]

i've saved tons of $$ by not blowing it on insurance

[ChinMusic]

i've saved tons of $$ by not blowing it on insurance

The "wisdom" of that statement is astounding....

[Lone Wolf]

stick around. i can teach you a thing or 2. you seem lost

[Sly]

i've saved tons of $$ by not blowing it on insurance

I know a multi-millionaire from back home that never insured anything unless he was legally obligated to and that was part of the reason he became rich. It's a risk some are willing to take. but obviously not all.

[ChinMusic]

I know a multi-millionaire from back home that never insured anything unless he was legally obligated to and that was part of the reason he became rich. It's a risk some are willing to take. but obviously not all.

Yeah, look at the Geico commercials. We all NOW KNOW that Fred Flintstone and Jed Clampett got their millions by saving on insurance.....

Rich folks don't have to insure for mundane expenses and only need to insure for the catastrophic. They can EASILY self-insure for small expenses.

[Sly]

Yeah, look at the Geico commercials. We all NOW KNOW that Fred Flintstone and Jed Clampett got their millions by saving on insurance.....

I guess you're not rich, huh? This guy didn't insure anything from the beginning. You don't have to agree, it's OK.

[jesse]

Buying less insurance is what the Health Savings Account plans are all about.

[dessertrat]

i've saved tons of $$ by not blowing it on insurance

It's a risk thing. If you need it, then you lose money by not having insurance. If you never need it, then you gain money by not having it. Some people will always, and I mean always, be among the lucky who don't need it, or else nobody would be in the insurance business.

[briarpatch]

You might ask your parents to check if their policy could cover you anyway - even if you're not a student. I was surprised recently to find that both the insurance my company was switching from and the insurance it was switching to would cover my dependents through age 24. I had always thought that kids had to be full-time students to be covered after the age of 18, not so.

My insurance defines a full time student as in school for 5 months during the year. If you are just taking time off to hike for 6 months, but will be returning to school after the hike, you may still be considered a full time student.

[Shutterbug]

Hey guys, my name is Hurley (I'm 22) and the way things are headed I'll be starting a thru-hike NOBO around the start of March. Since I will be doing the trail then and not taking any college courses I will no longer be on my parents insurance plan. I was just wondering what sort of plans you guys have (if any)? Or if you could reccomend anything to me that is low cost. I think it would be completely ignorant to go out there and not be covered somewhat. Hospital could sink the trip real quick if something were to happen.

Also, how readily available is computer/internet access along the AT?

One thing people often overlook is that you get cheaper rates for medical treatment if you have insurance. I just got a bill for some mecical tests. The bill would have been double if I had not had insurance.

It may not be fair, but that is the way the system works.