[HeatherP]

You're right Nancy - it's all very complicated. Recently, my husband had to go to the ER, and now we're getting bills because they didn't bill the medical group like they should have. The hospital billed our insurance company. I don't understand that, but oooookaaaayy. Fortunately they are working with us to get things settled.

I am one of those probably rare people who actually sit down and read thru most of the stuff I get from my insurance, so I think I'm pretty well informed but they do throw me a curve ball every now and again.

I guess I'm lucky, my dr's seem to be aware of what my ins co will pay for, and where to send me for services so they're covered. I don't think the insurance situation in this country will change any time soon. Do you know that our Senators and Reps have their very own special gov-issued health insurance plan? They don't have to put up with the high premiums and problems we, as the general population have to deal with. Until they are made to experience health care as we do, and continue to take Insurance Lobby (and pharmacuetical) contributions nothing is going to change.

My husband is 10 years older that I am. We have a small business and get our health insurance through it. When he retires, I don't know what I'm going to do. I won't be eligible for Medicare, I won't have our small employer policy, and because of the Diabetes no one is going to insure me, or if they do they won't want to cover my "pre-existing condition". It's very scary - I try not to think about it because I don't know what I'm going to do.