Why I Pay For Medical Insurance

I first purchased medical insurance in 1995 when I was working overseas in New Zealand. I was working fulltime for a company but they did not supply employees with paid medical benefits so I decided to supplement what the government offered by purchasing my own insurance coverage.

When I became self-employed in 2000, I purchased medical insurance again since I was no longer covered by any employer.

Having medical insurance has paid off for me on more than one occasion.

I required nasal surgery in 1996 and my insurance plan became an important aspect of my ability to have this surgery: My insurance plan enabled me to have the surgery at a private clinic and covered most of the costs. Instead of paying the bill myself – and it came to around $3,000 - my insurance policy covered the costs for me.

The alternative for me would have been to go on a waiting list and have the surgery in a public hospital which would have taken many months. One of my work colleagues was waiting for the same surgery and had been on the public waiting list for 9 months at the time that I had the surgery and he was still waiting when I left the company one year later.

From the time my doctor suggested the surgery to me to the time I actually had the surgery, only 4 weeks had passed so I was able to have the surgery done very quickly.

In this regard my medical insurance was a great option for me.

Then in 2000 when I became self employed, I again opted for medical insurance at my own expense given what I’d experienced several years earlier while living in New Zealand.

Again, my insurance policy came into play when I had to have dental surgery that cost around $2,000. In this case, the surgery was a necessity and it covered most of my costs so I didn’t have to pay for it myself.

Plus, it has helped me to cover the cost of my eyeglasses and contact lenses, too.







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