Thanks Perna-- for both the information and the funnys.
yeah I am one that gets some what confused with what, is what... I get why Insurance is important though- just like you say with the Uh Ohs in life... I want to renters insurance in case of uh ohs for some reason I worry more about that, but just cant right now and realistically I guess Health insurance is more important. Life insurance I should had listened to an older friend and should had started that when I was 20, I am 25 now, and just blah..
I get "low benefit insurance" through my employer which I kept this year but I really need to think if getting some where else would be better (i pay 75 a month, then like if something happens I pay thousands of dollars which I am experiencing due to I had to have back surgery due a big Uh Oh with falling multiple times on ice-- on the plus side One medical bill saw that the insurance paid them nothing and took the 4500 bill and made it 500 for me to pay; a few others took my situation in to play too a few others have not- and i am fearing they may be taking me to collections even though I have been paying something every month of what I can to them all- I have 2 of the 5 paid off and hopefully by the end of the year 3 of the 5- leaving me 2)..On the down side i am only making a few buck over minimal wage. So 350 a month is a little unreal for me to pay a month for insurance. On another down side with my current low benefit insurance is that they will only pay 250 dollars A YEAR for office visits-- So I only go in for chest colds and my birth control- after 250 has been used, I am "exhausted of my funds" and have to pay all out of pocket with also paying them the 75 per a month- That actually happened the first year that I had them due to I was also seeing back doctors and found I was paying for my office visits for regular doctor at the end of the year. They (insurance of mine) also only have a like I believe 300 limit for prescriptions (which excludes my inhaler oddly enough); which I have already exhausted with the meds that I tried through the county and some meds for a chest cold at the beginning of the year... I hope I am understanding that right as well-- I go to Target which has the 5 dollar for generics if there are those, but they still charge my insurance the difference, which one pill for thirty days was like 300 but I got generic, and I had to get a fancy inhaler in Feb that was 250 (which was not generic), but I paid my co-pay of my insurance.
Even though CO is one state that says that Mental Health should be Covered as *Good/Well/Equal* to as Physical Health, the Insurance that I have, actually the last two years they have had "graces from the government" they don't even meet the standard for Physical per their letters that they give me. The County people agreed I was reading that right, of them not covering Therapy when I went for my short term therapy with the County.. which did not go well-- and after that, Now I want a specific therapist (PTSD specialist to be honest) if I do therapy again due to I think that dx there is what causes more problems than the Bipolar2 (which I debate now but do not take it out of the equation completely; for it could be, but i have to wonder now- i could just be an emotional person that has trouble adjusting to the present due to my past). So I keep wondering, if I got other insurance in CO (one that is not trying to pull out of CO as Aetna is and SRC is part of them which is what I have) and does not get "grace periods of getting their act together to meet state standards"... perhaps maybe, I could afford a PTSD therapist...
I keep hoping by next year I will have my back surgery people paid off- If then, I could have a little more play money for insurance per a month. OR if I found a therapist that would work with me on a reasonable sliding scale that works for both of us, that would work too...
Until then, I keep my low benefit insurance that is not full insurance but it is something, and keep reading and trying to find help with articles, books, and life experiences i guess...
sorry for babbling--