My dog has health insurance. Which sounds very fancy, until you consider that he's old and has stuff go wrong now. It was starting to get steep, so I opted to buy a plan that covers all the stuff I know almost certainly that he'll need done. It looks expensive, but its actually just hedging against huge expense later.
Any business would prefer to have a known stream of revenue as opposed to the feast-or-famine of cost-per-service or freelancing or retail. It means you can plan, hire, project, and grow more intelligently. My vet trades off the higher full cost of the work a dog needs for the security of a more predictable cash flow from me. It's a good deal for both of us.
My own current health insurance does not work this way. They work by saying they cover many things, then submitting my doctor to death by a thousand cuts by refusing to cover x% of a blood test, or some other dumb thing. Then comes a letter that says that I MIGHT be billed some huge amount. Six months later sometimes we are and sometimes we are not. When we do get billed, it sucks and we have to spend time and stress and then eventually pay. When we don't get billed, it sucks because we are deprived of the ability to plan a predictable cost flow.
So, it goes without saying that I'll be changing insurance this year during our "time to choose." But my big question is this. Can I get on my dog's plan?
Update: Additional tests have stacked up for my dog buddy, as we try to figure out if he's got something really serious growing in him or not. The vet's had a great way of communicating these things. She'll say "look, I want to do this test and send it off to be evaluated. The full cost isn't covered by your insurance, so it'll cost this much. After the test, we'll know x, y, and z. Should we do it?"
It's great. The stress of the cost is mitigated by the fact that I know what the cost will be and why. Stuff like this is going to happen, one way or another, to me or someone I care for. And it'll be costly. But if all the stress can be relegated to a procedure, and to a lesser extent the cost, instead of the unknown uncommunicatives of financial uncertainty, that'd be the ideal.