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taffylinden

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 #31 
Thank you!!  Eye is better today, so I'm hopeful. 
redhigheels

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 #32 
Hey guys, I just resendly, got blue cross blue shield under medicate, what a difference from my private insurance I had, u guys r not kidding!! The stuff these insurance put u guys through I'm having the same issues, have to deal with referrals and a lot of BS can't wait to get my private insurance back I didn't realize I had such a great private insurance I used to go see specialist without referrals. I had the best insureance, now I can see the difference between different types of insurance
I do hope u guys get through all of your insurance issues and see a Dr and get all the help u need
Feel better guys.
Baker1

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 #33 
My insurance comes through the Marketplace(Obamacare). I like Blue Cross, I didn't have to get referrals everytime I saw my rheumy, but they opted out of the Marketplace in my area this year. Now I have United Healthcare. My doctors and I jump through hoops just to keep me on meds that I've taken for 10+ years and they limit my one med to 4 pills a month. These are a rescue med for migraines. You would at least think that they would pay for 6 pills a month because that's how they are packaged. I knew there was some things that I didn't like about this insurance from having once through my job, I just couldn't remember what it was when I signed up for it. May can't get here soon enough, so I can hopefully have a new job and benefits again.
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Diane M
"I was chasing my dreams, but tripped over reality and busted my head on the truth."
taffylinden

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 #34 

Blue Cross screwed up this time, but I will say they rushed through ("rush" being a relative term) and got it approved, albeit after my plane for Salt Lake had taken off. Blue Cross was my district's insurance company back in the Nineties. People got mad that their rates went up every year, so they decided to go with a "partially self-funded" option provided by the state's collective boards of education. What a disaster! Rates TRIPLED in 2008-2009, and coverage was terrible. Because the pool of employees was fairly small, one or two people with catastrophic illnesses or injuries would drive up prices for everyone. 

Luckily, the same year the district moved to the self-funded plan, the governor decided  to pour $$ into the state insurance program. This did NOT cover K-12 teachers, who are district employees, but did cover college professors, which meant my husband (now-ex) was eligible. What a difference! We had a $300 deductible for he entire family, paid a $160 a month premium for all of us, and dental was included. That gov was a smart cookie: when the insurance improved, younger employees who'd opted out came flocking back. No insurance pool is viable without younger, healthier members. Just the way it works. Unfortunately, that age tends to think they're invincible and don't need insurance.

When I finally escaped my marriage, I had to go back on the crummy partially self-funded plan. The district couldn't get out without paying almost half a million dollars. They JUST got back on Blue Cross, but I'll lose that Aug. 31st. Good thing I moved to Washington, which has better a better state plan and more options in the Marketplace. Baker, a Blue Cross rep told me rather smugly they want to opt out in other market areas. I told her my friends in Canada are very happy without private insurance. She didn't like that too much. 

One nice insurance story to close this post. Back in 1994, I had rejected the first corneal transplant and desperately needed another. Of course, BC/BS, like all insurance companies then, refused coverage. Luckily, I knew the ropes and talked to the supervisor's supervisor. She not only got me coverage but got my travel (to San Diego) covered as well. Her name was Maybelle. Bless her and all her descendants.

Baker1

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 #35 
United Healthcare is opting out of the Marketplace here too. So I need to find a new plan for next year. By the time I graduate and start a new job,depending on their waiting period before you receive benefits, I will need Marketplace insurance for most of the year anyway.
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Diane M
"I was chasing my dreams, but tripped over reality and busted my head on the truth."
slyster

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 #36 
Having my insurance canceled and being put onto Obamacare.  Worst insurance ever.
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