melloworca6 said:And if you can swing it, just pay for supplemental insurance. It’ll be paid off in a month, and honestly, it's way cheaper to shell out $333 a year's worth of premiums than to deal with $1000 massive hospital bills (it all depends on how long you're stuck there and what they actually do to you).
I've been sitting on the fence about getting supplemental coverage forever, so this hits home. How exactly is paying the $333 yearly fee—every single year—cheaper than, God forbid, dropping $3,000 all at once? 🤔 I mean, who knows if I'll even make it through the next... what, 30 years? That feels like throwing money straight into a bonfire. And if things go south, my goodness, $1000 I'll just dip into my savings. I'd still come out ahead!
Anyway, everyone I know has this insurance, so clearly my math is broken. Please, someone, point out where I'm being an idiot!