Reply #30: Try having coverage from a different state!

[csziggy]

My husband's employer has insurance through BC/BS - easy insurance to get treatment, yes? Well, his employer has it with BC/BS of California, we're in Florida. For some reason recently we've begun to get bills for additional co-pay or something (it is in the insurance variation of legalese, neither of which I understand) for visits a year or more ago.

I pay whatever the doctor's offices ask me to at the visits, pay whatever I am billed for when they come. But to get upcharges for some unintelligible reason a year or more later is irritating to say the least.

But I will not rock the boat - I know we are lucky to have insurance at our ages - it is one of the main reasons my husband works. We were both self-employed for 25 years with no insurance. When I had my shoulder rebuilt after an injury, that was over $10,000 out of pocket. Six weeks after my husband went to work I messed up my left knee. Out of pocket was $500. When he left that job we paid for COBRA - well worth it since when I had a hysterectomy my out of pocket was $50. My knee operation (on the other knee) last year was $2000 out of pocket.

My surgeon has told me when I can't take it anymore he will do knee replacements on both knees. So my dear husband is planning to work until that is done - unless universal health care is passed so he can retire. After that, who knows?