[peacebaby]

"The object of health insurance is not to cover the common cold or hangnail, but to cover catastrophic health problems. ....Health insurance is NOT for catastrophic health. It is for hospitalization, doctor visits and prescriptions. They now sell catastrophic health coverage separately... ."

Hmmmm, I'll rethink. But having been a licensed insurance agent, it has always been my opinion that medical insurance was for catastrophic health problems. I'll admit to having been out of the insurance industry for 10 years.

[Snoopers-868th]

I have a teacher neighbor who recently (December) had a brain tumor and was in very bad shape after surgery. She was transferred to a rehab center approximately late-Jan and when her insurance ran out she was discharged. The rehab center did not feel she was ready to be discharged. She cannot walk yet. I believe her insurance is through the State and is a very good insurance.

And catastrophic insurance is a separate premium--even at the State. I am not sure the State even offers a group plan?