I only carry catastrophic coverage and then devote a portion of my budget to visiting Classical Chinese Medicine physicians regularly. I also get a couple of major health screening tests at a local clinic for a very low price "just to be safe." I pay about 50% less, overall, than my close friend who has an opt-in plan through his employer. I'm also about 100% healthier. I haven't been sick in years and I look better now than I did 10 years ago.
I say do it - get out of everything except what will pay for what Western medicine does best - trauma and serious surgery. Use a part of your savings to pay for Chinese medicine or the alternative medicine system of your choice. |