I have been making my annual $1.5k health insurance payments to Blue Cross and now it feels like I am pouring money down the drain year after year!
Since I exercise daily, eat healthy and keep myself fit in general, I have been to the doctor only twice since the last 3 years:
Had food poisoning from a party. Went to emergency and paid $50 out of pocket for advice that my body hopefully had purged the offending item and I was safe to go home.
My yearly flushots: I pay $15, again out of pocket! It would have been nice to have Blue Cross pay atleast 1% of what I pay them every year!
I really don't want to see the $1.5k health insurance payments going down the drain year after year, if I can help it.
Don't want to dump health insurance away completely, but I was wondering if there is a way to get "more bang for the buck"?
For example, are there any hidden clauses in the general health insurance agreement that might actually work for me?
For instance, what about "some way" of having my health insurance premiums be combined with Life insurance and a certain portion of the unclaimed amounts getting transferred to Life insurance or the like?
Is there any way out from letting the money disappear into a black hole?
Any benefit(s) that I can get out of your advice is good - need not affect me directly. For example, if there is even a clause where I can have a portion of the unused claims be donated to charity, Red Cross, etc, I will be more than happy.