When I was a child, I spent a lot of time with my mother and sister. My father was not around much after they got divorced. My mother was the only one working after the divorce, and child support was barely enough. After several years living like this, my father was killed. Not only was he gone, but we had one less source of income. However, we were then told the three of us would be getting social security until my sister and I turned eighteen. With this social security, we were able to buy what we needed. Part of mine was even saved up. With that saved up money I was able to buy a used 1997 Geo Prizm. That old, reliable car got me to school, work, and community college. Without social security, I would have had to get a job to save up for a car. And without a car, getting to that job would have been very difficult. This social insurance made our difficult lives a lot easier, and for that I am grateful.
Life can be incredibly unpredictable. All it takes is a single moment to turn our world upside down. An auto accident, medical complication, or death in the family could come without warning. Insurance can make these unfortunate events a little more bearable. Most of us do not have the means to set aside money for emergencies like these, as they can be extremely expensive. Fortunately, insurance can cover these expenses for us. By paying a fraction of the cost for these situations through insurance, we can have peace of mind knowing whatever may happen will be taken care of financially.
When I was in the military, I was stationed at two different bases for training. The first base was Fort Benning, Georgia. Before going there, I had medical work done to ensure I could serve. This mainly involved a physical and having my blood drawn and analyzed. When I arrived there, though, I had some more work done in the form of more examinations and shots. One of the shots was for Tuberculosis. The result ended up being a false positive, but I had to get more work done to make sure.
I finished my training there, went home for a little while, and was eventually shipped to another base to finish my training. This time I went to Fort Gordon, Georgia. While here, my dental records were examined, and it was discovered I needed work done on my teeth if I was going to be deployable. I went in for a procedure to have two of my wisdom teeth pulled. The doctor gave me an anesthetic, quickly pried my teeth out, gave me a prescription, and sent me on my way. The procedure only lasted a few minutes, but it could have easily been around two thousand dollars if I had to pay it out of my pocket.
Once again, I finished my training and went home. Some time had passed before I was called for my annual two weeks of training. I was given more shoots, and once again my tuberculosis shot came up as false positive. This time, I had to get an X-ray to verify the results. Luckily, it was indeed a false positive. I completed my training without further issues and went home.
All the medical work I had done during my military service needed to be done, except maybe the anthrax shot. Without being covered by insurance, all those procedures could have been several thousands of dollars I would have needed to pay. I do not know how I or many other people could find the money to pay for any of that without insurance. I am sure many people would simply have to do without and hope they do not die. It is something I have considered several times myself. This is why insurance is important to me. I want to be able to drive to where I need to go without dreading the cost of an accident, even if it would not be my fault. I want to be healthy and not be denied lifesaving treatments because of a lack of adequate income. I want to be able to replace anything that is stolen or destroyed without spending a fortune. I want my home to be repaired after a disaster without having to get a second job.
Many people who get insurance never need it, but that is ok. You can never know for sure when you will be blindsided by an unavoidable situation. The unpredictability of life creates enough stress for us as is. We can do ourselves a big favor by getting insurance, financially and in peace of mind. In this case, I believe it is better to have it and not need it than to need it and not have it.
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