Vic,
I'm sorry about your insurance. I find insurance all so frustrating. I have two different insurances, and the second one actually covers better than my primary.

But instead of say, taking my Ty bill, and Blue Cross pays all but $500, instead of Aetna, just paying 90% of the $500 that didn't get paid, it looks at the whole bill, subtracts what's already been paid by Blue Cross, and then pays a few dollars. I'd have no problem with that if our premiums were less because we have other insurance.

They'll say they are liable for an amount, like $1500, but then because they other insurance paid $1400, they'll only pay $100, and I'm left with a huge bill. It doesn't seem right, but I can't get anyone to listen to me. They say it was the way the policy was bargained.

I guess I'll just be happy I have the insurance. My MS bills and regular check-ups this year will be close to $30,000. I've probably had to pay $2,000 of that. I just put money in a flex account, and be glad I can afford the medicine.

Our 19 yr. old son had a rough medical year though. He is a very healthy kid overall, playing varsity sports to the max his senior year. He's had tachycardia since birth though that we finally fixed, and had to have an emergency appendectomy! His total medical bills this year was over $53,000! And he is only covered under one insurance. So I'm looking forward to 2009 and getting medical bills back under control!