#1Hubby
has been getting a bit antsy about our Health Insurance.
It’s
not cheap. And he’d rather be saving
that money, paying off the credit card, or – if we’re perfectly honest –
putting it towards our next holiday.
#1Hubby
is not the Finance Minister of the Parental Parody household. That’s one of my official portfolios. Along with Sanitation, Health, Consumables,
Shoes (yeah it has its own department in my house), Entertainment, Education,
and well just about every other portfolio bar Major Breadwinning (he earns it,
I spend it, and so therefore that makes me the Finance Minister, not him).
So
when #1Hubby gets the calculator out and starts tooling around, adding up the
monthly payments to our Health Insurance fund, it always ends up in an
argument. He sees the monthly payments
going out, and forgets the free and subsidised services we enjoy in return,
when required.
Firstly,
back up off of my turf buddy. I manage
the money. Don’t need your assistance or
input. Don’t actually want it either,
lest you locate my secret wine and extra daycare fund.
Secondly,
this is coming from a man who suffered Osteomyelitis as a child, and has an
inherited dental condition that will almost definitely affect our children.
Thirdly,
we have THREE CHILDREN. Enough said.
![]() |
Almost a family outing for us |
When
#1Hubby starts bemoaning the cost of health insurance, I pull out the invoices
from when the kids were born. Probably
because both occasions were a bit like holidays for him – show up, eat, drink,
relax, watch some in-house movies…and go home with a souvenir (or two, in the
case of the twins).
Hospitals
are not cheap. When we had Miss6 we were
kept in hospital for almost 2 weeks, on account of her not feeding and almost
losing consciousness (whole other story, that one). The hospital invoice alone covered our health
insurance payments for ten years. I kid you not.
When
the twins arrived, they spent every night in the Special Care Nursery, and a
bit of time in the NICU. After a week in
hospital, we had covered our health insurance payments for another ten years.
Again, I kid you not.
In
addition to this, I’ve received immediate and top level attention for a few
medical concerns of my own, and #1Hubby has received the same whenever he
attempts to play sport and damages something.
Usually a finger. Sometimes a
toe. Thankfully, never anything that
would hamper his ability to vacuum (the one item from the Sanitation portfolio
that I have palmed off to a back bencher).
![]() |
#1Hubby after a particularly taxing round of hopscotch with the kids. |
So,
yes, this is a sponsored post about Health Insurance. And yes, I get that a lot of people can’t
afford it. But we are a 1.5 income
family of 5 and we make it work for us. I’m not saying that everyone should be able to
afford it just because we find a way. I’m just saying that it has truly been
invaluable to us, and in the last 8 years since taking out private health
insurance, we have well and truly reaped the benefits and covered our costs for
years to come.
Now
I’m off to the dentist for a scale and clean. I love the fuzzy electric brush thing they use
(that’s the technical term for it). They
also give me a new toothbrush and some toothpaste every visit, so it saves me
having to try and remember when I last replaced my toothbrush.
This post was sponsored by hbf.com.au
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I really need to get health insurance. Hadn't thought of the cost of having a baby in a private hospital. I hate sharing a room so figured I'd have to go private. Thanks for prompting me to look into it!
ReplyDeleteargh i hate insurance. but you are right. we do need it. my hubby hates paying for it too but hes the one who always needs to use it! love the hopscotch pic. classic!
ReplyDeleteThanks for the giggle. Didnt think anyone could make health insurance entertaining. Well done. Will renew my insurance this year since you gave me a laugh (and also because I'm due to have my wisdom teeth out).
ReplyDeleteI would give up shoes before I gave up health insurance.
ReplyDeleteThe only thing I really really hate, is that obs cover is so much. I don't plan to ever have another baby but I wouldn't dare not have obs cover for that teeny chance that I fell pregnant. I loved my time post birth at the Sofitel!
I am with you there - not prepared to tempt fate by dropping the cover! Also, I too loved my stay - at the Glengarry Hotel.
ReplyDeleteThank you so much. May you never need your insurance for anything mor ethan the dreaded wisdom teeth!
ReplyDeleteSame with us - Hubby uses it more than the kids!
ReplyDeleteExactly why I took it out. Have since learnt the other benefits (twice yearly dental check and clean etc. etc.)
ReplyDelete