Thank you Impact Health Sharing for sponsoring this post.
- Having to retire at 49 because of an injury
- Having to live on my husband’s income (he was self-employed and I carried our health insurance)
- Not being able to pay our medical bills
Well, all of those things DID happen to me when I had an accident. After seven surgeries and a little over 15 years later, I was able to work again. Yes, as a blogger, so once again I was self-employed with the worry of “what happens if I have ANOTHER accident.”
Over 20 years ago
I blew out my knee and what started as a simple tear of a few ligaments turned into that 15-year nightmare of surgeries, physical therapy, braces, being told I’d never walk again, etc. Of course, I proved them wrong, but along the way, I spent a LOT of money getting better. Facing my injuries was bad enough, but facing life without having health insurance, since I was the one who carried it, was even MORE frightening. What if it happened again? What if my husband got ill? What if I needed to go to the doctor? Living without any healthcare coverage is extremely expensive.
At 67 I’m on Medicare
Even on parts A and B, the bills add up. The worst? Prescription medications. Even with Part D Medicare, we have some drugs that cost us over $300 per month….and that’s WITH Part D coverage. Having the full alphabet of Medicare – A, B & D can still leave us wondering how we’re going to get through another month as many drugs are not on the Medicare formulary, yet are the only ones that may work for us. We’ve had months with drug costs that exceeded $1500.
Ten weeks ago I fell….again
This time I broke my kneecap. You’ve all seen the pictures that I’ve been posting here and on social media. I learned a LOT from the first accident about how to take care of myself after an injury, but once again I worried. Would Medicare ALONE be enough to cover my medical costs? Not without supplemental coverage, that’s for CERTAIN. Luckily, Impact Health Sharing also works as a supplement for those of us on Medicare who are left with 20% copays
That can be astronomical!!
Even the little things, like physical therapy that I would have taken for granted, can be very expensive. I go to PT three days per week and probably will be going for MONTHS. That’s a lot of money to have to shell out each week.
There is an alternative that is
- Affordable
- Comprehensive
- Accessible
- Ethical
Those are four words that you don’t often hear when describing healthcare but what I’m going to tell you about isn’t traditional healthcare, it’s a great alternative for those who are on Medicare like we are, are self-employed, retiring early, or if you’re a gig-worker, small business owner or solopreneur. It’s a way to SHARE the costs of healthcare and it’s called Impact Health Sharing. Impact delivers a modern and affordable alternative to health insurance. Impact works better and feels better than insurance. And Impact is a not-for-profit organization. It is a member-centric program that focuses on members and not profits. In fact, they just GAVE BACK to their member’s portions of their monthly shares that totaled $281,260.
You’ve never heard of SHARING healthcare costs?
Impact Sharing members are saving thousands when they switch to Impact. With plans starting as low as $65 for individuals and $330 for families, they have pricing options for individuals and families as well as special prices for seniors like me. Best of all, it’s not JUST for catastrophic needs (like me falling and breaking or tearing something). It also helps you with comprehensive medical experience and access to routine and preventative care, like your yearly check-ups, mental health care, Prescription discounts, and even free telemedicine that’s available 24/7 (because things always seem to happen when it’s least convenient). One of my favorite things about Impact is that members see any doctor they want nationwide, with no network fees. This means more choices and lower costs for you. No network limitations. You can see YOUR doctor. Because it’s NOT insurance, but a way to share medical costs among members, they are open to anyone interested in sharing, acting responsibly together, and saving on healthcare, regardless of religious beliefs.
Don’t leave yourself wondering
Should I go to the doctor? YES, YOU SHOULD. Your health is so important. Why gamble with NO coverage or high copays that you can’t afford.
- You can learn more at: Impact Health Sharing
