Quote Originally Posted by pomtzu View Post
Scooter's Mom - good examples. And how about those accidents?

I stepped on a dog toy (tennis ball) in the dark, and fell and fractured my wrist a couple of years ago. That turned out to be very costly - approaching $75,000 when all was said and done.

It was so badly fractured that it had to be surgically repaired. Just the metal outrigger that was screwed into my hand and arm was $14,000, and then there were all the other charges - emergency room, ER doctors, x-rays, operating room, anesthesia and anesthesia doctor, surgeon - all that just for the first day. Then it was back to the surgeon and x-rays every week for 7 weeks, then back into surgery after it was healed to have the outrigger removed, and then 6-8 weeks of physical therapy! I had good insurance, and it cost me not one cent for that accident. Could I have paid it with no insurance?? - no way!

Then 4 months after that, I slipped and fell on ice in my driveway and fractured my hip. I don't even want to total up the cost of that one, but again, I paid nothing out of pocket.

So even something that would seems rather simple, could totally wipe you out! To me, those extra few dollars in my pocket that I'm getting from not having to pay for any insurance, just aren't worth it. If it's taken out of your check, you never miss it, since you never had it in the first place.
Fractured wrist - fractured hip - do you take calcium supplements? How about some extra Vitamin D? Have you had a bone density test recently?