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You guys taking the self insurance route, consider this...
In August of last year my mother, an otherwise exceptionally healthy 50 yr old found a 1cm lump in her breast. That pea sized lump lead to 8 rounds of chemo, surgery, and 30 radiation treatments. She still hasn't seen all the bills, but at last count she was well past the 250k mark that her insurance co had paid out. After every chemo round she was getting a Neulasta injection. That one injection was $10k.
So you guys that are self insured, do you have $500k laying around that you could throw to something like this? Not likely.
My parents are small business owners too, and while $700+/month is high for insurance, this would have ruined them financially without it.
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