A Real-Life Wake-Up Call

A client once came to me beaming, they'd landed what seemed like the perfect health insurance deal: just a few bucks a month. They bragged about saving money... until one surprise trip to the ER left them with a $7,800 bill. Reality hit hard.

Cheap monthly premiums can cost you dearly when it matters most. Here's how to protect yourself from the trap.

Tip #1: That “Low Monthly Cost” May Be a Mirage

What's hiding in plain sight?

• That attractive premium? It often comes with a sky-high deductible.

• You might have to shell out $5,000–$10,000 out-of-pocket before insurance helps a dime.

• If you don’t have savings set aside, one bad flu season or injury could hit harder than expected.

Picture this:
You find a plan that’s cheaper than your Netflix subscription. Nice, right? Then you catch pneumonia, spend a few days in the hospital, and BAM—you're staring down a bill the size of a used car. That “bargain” plan suddenly isn’t such a bargain.

Tip #2: ER Visits = Financial Shockwaves

The ugly truth about the emergency room:

• ER visits routinely cost $2,000 to $10,000+.

• Minor issues like a broken finger can trigger a massive bill.

• Cheap plans often offer little to no ER coverage.

True story:
One guy said, “Rod, I never get sick, I’ll just grab the cheapest plan.” Fast-forward to a slip on the stairs, a fractured wrist, a few hours in the ER… and a $5,000 invoice. His “cheap” plan helped with barely anything. His wallet? Crushed.

Tip #3: Medical Debt Destroys More Than Credit

The hidden domino effect:

• Medical debt is the #1 cause of bankruptcy in the U.S.

• A single hospital stay can wreck your finances for years.

• Good insurance protects your bank account just as much as your health.

What I’ve seen:
A client skipped real coverage to save a few hundred a year. Then came a sudden surgery, $53,000 owed. They drained their 401(k), maxed out credit cards, and fell into a financial spiral. The emotional toll? Even worse.

Final Thought

Skimping on health insurance might save a few dollars today, but it can cost you everything tomorrow.

📲 Let’s change that.
Not sure if your plan actually protects you?
Message me - I’ll review it with you, no pressure, and help make sure you’re truly covered when it counts.

Confused by premiums, deductibles, or what your plan actually covers? You’re not alone and a 10-minute conversation could save you thousands.

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