i can live without vision and dental for the time being but i need medical insurance. even though i never been injured to the point i need medical help and the only time i visit my doctor was for physicals, i still need insurance because a careless driver may smack into me someday. any ideas or help? thx!
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An individual policy through your local Blue Cross Blue Shield is an option. Most plans cover annual physicals without having to meet the deductible first, as well as office visits, medication, and urgent care. Because you are healthy and rarely see a physician, the suggestion would be to take a high deductible, hence lowering your monthly premium.
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