[msdrby]

Somebody, remind me whatinsurance is for?

Why do I pay an ungodly amount of money for insurance, and then still have to pay $140 per visit to the doc, on top of my copays and my deductible and lab fees into the thousands?

I am pulling out my hair and using all sorts of sailor talk. My son just walked in asking me if I was okay. Made me cry even more.

(and all this just after waiting on the phone for them to answer for 20 minutes.) "I don't doubt you, BUT without any proof I cannot verify..." (repeat three times in condescending tone)

Thanks to the insurance company, my credit is in the toilet. I have collection agencies hounding me now.

/vent

[JenB]

Oh, dear... I don't know what to say. Any chance you can straighten things out?

Gee, makes my evening look like nothing. I just spent an hour forcing my brothers to eat (we compromised by them eating cereal) and remain quiet so my sister can sleep. Why won't she go to her room where it's quieter, I don't know... and I guarantee now that I've sat down, my parents will get home and assume I've done nothing all night. Argh.

[Graybeard58]

My sympathies for the insurance problems.

My wife just had spinal fusion in Dec. she was in the hospital for four days and the hospital bill was $55,000 in addition to the surgeons fee of $9,000 plus radiology charges of about $2,000, drugs another $1,000 or so.

I am going to contact the insurance company and check on that $55,000 figure. I don't have to pay anything but I think the insurance company is getting ripped off.

The $55,000 was in addition to $2100 for room and board at the hospital. The bill just shows, IH Misc- $55,281.70

Anybody have any clues what that outrageous figure could be for?

Seperately - A molded plastic back brace that probably may have cost $50 to manufacture, their charge to the insurer -$1,600

[HairOfTheDog]

Somebody, remind me whatinsurance is for?

I have the same question. I pay over $200 per month too, and I have a $500 annual deductible. I NEVER use that much in a year. and I owe for a couple doctor visits over one incident this summer.

I think the first visit ought to be free with the policy each year, and really frequent users of medicine should pay more for being over-average. The current setup just doesn't make sense to me.