Family

THE BIG SNIP

the BIG snip - Compare The Market - Our Urban Box

Brought to you by Compare The Market.

Today I am going to share a little tale about how The Mr took one for the team. He sucked it up and did what had to be done.

Having children is THE best thing I have ever done. Hands down, the BEST. But they are expensive little buggers aren’t they? Life in general costs more the more children you have. After the birth of Miss 4, The Mr was done. He didn’t want any more children, where as I could probably have had a third. But The Mr was firm. He was happy with two and felt financially two was our limit, we could provide two children with a pretty good life. So the decision was made. Two it was. 

I remember it was around this time our health insurance, like everybody else’s, was going up. And it was going up a lot. After each increase we would start to question, do we really need health insurance? Of course the answer was yes, we knew we needed it, we wanted the security of being covered. For The Mr and I, health insurance is a necessity. But how could we afford to keep it with all the rate rises? It was getting expensive. We knew we had to start cutting costs somewhere.

One way to reduce the cost of our health insurance was to drop obstetrics from our cover. We were happy with our two mini peeps, so it seemed like a logical solution to our problem. We were taking precautions to ensure we didn’t fall pregnant, so what was holding us back? Basically I didn’t want to accidentally fall pregnant and not be covered. The local base hospital at this time was horrendously old, run down and I didn’t want to have a baby there when I had enjoyed the experience I had at the local private hospital. We had all but signed the dotted line to drop down a level of cover….

And then… SURPRISE!!

Friends fell pregnant with a third child, whilst on the pill and no health insurance. They too had just dropped obstetrics to save money.

There was only one solution.

He had to get The Snip!! It was time to take one for the team.

We had spoken before about The Mr having The Snip once done with children. There was nothing like a friends surprise pregnancy to get The Mr headed under the knife….or scissors in this case…quicker! The appointment was booked, surgery done within a month.

The Mr was a trooper. There was none of this lying on his back with a bell to ring for service for a week. Uh-uh. He was in the pool the next day and drove across the state a few days after that. Both probably weren’t recommended but hey, that’s life. There was stuff to do and holidays to be had. The surgery was covered by our health insurance and only took a few minutes. Within a week we had dropped our cover and had saved ourselves about $80 a month.

Now this might seem like an extreme method of saving on your health insurance to some people, but for us – it was the right decision. Our family was complete. We thought it through and even discussed what if we got divorced and he met someone else who wanted children?

Did you know that health insurance premiums are set to increase again come 1st April 2016? That’s no April Fools Joke. By ensuring we no longer need obstetrics cover we have beaten the price hike a little bit.

Compare The Market want to encourage you to take control of your health insurance and beat the rate hikes by giving you the choice to find a better deal on your health insurance that meets your needs more adequately.

Head over to Compare The Market to compare your health insurance against the others and see if you can find a better deal. I am. I’m keen to know if they can find me a better deal.

Has your hubby had the snip? Will this rate rise put extra strain on your family budget? 

Fleur x

6 Comments

  1. The Thrifty Issue (Kylie)

    March 21, 2016 at 2:18 pm

    I know so many people who have ended up in a situation like your friends. Much easier to get the snip and drop what you don’t need from health insurance. Glad he did it.

    1. Fleur - Our Urban Box

      March 22, 2016 at 7:44 pm

      I agree! It happened to my mum and dad as well and thats how we ended up with my youngest brother!
      Fleur – Our Urban Box recently posted…BREAKFAST FOR DINNER AND OTHER MONEY SAVING TIPSMy Profile

    2. Mrs I

      March 23, 2016 at 5:26 pm

      Even without private health it only cost my husband $125.00 out of pocket 5 years ago in brisbane. He was same as your Mr, riding his motorbike the next day – probably not recommended but he was totally fine.

  2. Kell @ All Mum Said

    March 27, 2016 at 2:12 pm

    We only planned to have 2 kids and after falling pregnant (surprise!) without our FOURTH baby, he booked in to get it done. I had 4 Csections and with my last had my tubes tied while they were in there and he got the snip as well.

    With 3 out of our 4 kids being surprise pregnancies whilst on contraception, we were not taking any chances! My husband was also out mowing the lawn the next day.
    Kell @ All Mum Said recently posted…How To Improve Your Health In 5 Easy StepsMy Profile

    1. Fleur - Our Urban Box

      March 29, 2016 at 8:52 pm

      Wow Kell! Sounds like you made the right decision! So many men are terrified of having it done but it really isn’t that big of a deal!
      Fleur – Our Urban Box recently posted…#OUBSTYLE | MEET CHELSEAMy Profile

  3. Krystal

    March 28, 2016 at 4:12 pm

    Having another child terrifies me!! One and done here!! I love that I don’t have to worry about pregnancy related cover on my health insurance now 🙂

Leave a Reply

CommentLuv badge