Mental Health Exclusion

GravatarI am in Australia and feel very fortunate when it comes to public health services. When we opt for Private Health Insurance in Australia, it is so that we can get additional cash back on selected services and also more easily afford non-Government medical practitioners and hospitals. Private Health Insurance is also priced around age and services you would like covered, not around your medical history or risk (even though there are eligibility periods for certain claims). But you don’t need Health Insurance to get good medical care in Australia, as is the case in other countries. For that I am grateful. Continue reading

You Can’t Win at the Insurance Game

DeeDee newI am extraordinarily lucky: I have complete coverage health insurance. That means all therapy, lab tests, prescriptions, and other services – even chiropractic – are covered 100%. It sounds too good to be true, right?

It is.

The catch is that it’s a high deductible plan, and while my husband’s employer pays the bulk of the $11K deductible, we pay about $2K. Continue reading