>> Years ago I worked for Allstate Insurance ... The Amish REFUSED payment for medical care and REFUSED any other form of payment ... the Amish REFUSED offers from Allstate for any financial assistance. They refused to sign any forms.
The Amish are not the only ones that do this. In 1989 I was a passenger in a serious head-on car accident (70 mph closure rate). I was in agony for 6 weeks - I had broken my sternum and ended up with a split heartbeat. Since my employer’s insurance company paid the hospital bill, I never filed, or collected a dime from the motorist’s insurance company. They incessantly nagged me for a year. I never signed anything, either.
I have the same with mine. Since I’m a young guy everybody wants me paying insurance. Why should I bother? I’m young, I’m healthy, I’d rather cover what costs I do have out of pocket. I’ve found I get discounts too when I’m paying cash to the people who really keep me well.