tag:blogger.com,1999:blog-5654241867658962934.post732310685430327470..comments2023-08-16T07:21:41.519-04:00Comments on WISER Women: When to spend, when to save.. A young woman's guideKellyhttp://www.blogger.com/profile/13165688052760767374noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-5654241867658962934.post-6327303862180484482008-08-11T13:25:00.000-04:002008-08-11T13:25:00.000-04:00Wow, anonymous, thanks for the thoughtful comment ...Wow, <B>anonymous</B>, thanks for the thoughtful comment -- you bring up a number of important points. <BR/><BR/>Your (unfortunate) situation is an excellent illustration of the perils of being young and uninsured -- you're going along in life, eating healthy, taking your vitamins, having protected sex, and thinking that's enough, but it's <B>not</B>. You're not alone in being blind-sided by an expensive diagnosis, especially HPV, which is an <I>incredibly</I> common medical condition among young men and women today.<BR/><BR/>And I think you're right to point out that HDHPs are not always a great option -- if you have a HDHP and then need a $5000 surgery, you'll probably pay for it all out-of-pocket anyway (i.e. on the credit card), since the high deductible is how the HDHPs are able to offer low monthly premiums. Generally, HDHPs don't cover prescriptions - just hospital stays and doctor's bills - so you'd be on your own for those expenses, too.<BR/><BR/>The bottom line is that health insurance is expensive any way you slice it, but WISER's position is that being insured against an expensive catastrophe (like getting hit by a bus) is better than nothing at all.Hillaryhttps://www.blogger.com/profile/14822537756765987271noreply@blogger.comtag:blogger.com,1999:blog-5654241867658962934.post-62383962364840596412008-08-11T10:57:00.000-04:002008-08-11T10:57:00.000-04:00thanks for the link to ehealthinsurance.com-- affo...thanks for the link to ehealthinsurance.com-- affording health insurance is one thing, but finding it is another.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5654241867658962934.post-48079987374699969532008-08-08T17:43:00.000-04:002008-08-08T17:43:00.000-04:00As a recently graduated, healthy 23 year old femal...As a recently graduated, healthy 23 year old female settling into her first real world job (of which doesn’t offer health benefits) I, too, felt that I didn’t need to worry about health insurance. There simply isn’t any extra income with city rent and student loan payments on my entry-level salary. However, I don’t necessarily agree that an HDHP is the best option. About a month ago I found out that I have HPV and the doctor told me a statistic that nearly 70% of the northeast population of the United States also has it. Since young women are probably likely to be sexually active it’s important for that segment of the population to also be insured to cover extra yearly gynecological visits, prescriptions, and surgical procedures (approximately $4,000-$5,000) sometimes associated with this disease. And, of course, now that I’m diagnosed I can’t get coverage after the fact. As I’m about to max out my credit cards paying out of pocket I wish someone might have recommended getting coverage with a low deductible that would have saved me from this as well as the possibility of something more expensive.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-5654241867658962934.post-42834473889985694802008-08-08T16:43:00.000-04:002008-08-08T16:43:00.000-04:00Thanks -- there are, indeed, several more installm...Thanks -- there are, indeed, several more installments coming so keep checking back!Hillaryhttps://www.blogger.com/profile/14822537756765987271noreply@blogger.comtag:blogger.com,1999:blog-5654241867658962934.post-51171901858833652332008-08-08T16:22:00.000-04:002008-08-08T16:22:00.000-04:00hey, great post! will this series be up every week...hey, great post! will this series be up every week?Anonymousnoreply@blogger.com