I have health cover and it's not all it's cracked up to be either. I have to pay through the nose for scripts, have to pay for specialists, can't go to emergency in any private hosptal as I have to pay around $300+ for emergency room visits.

And worst of all is these huge gap payments that always occur where if I had just gone to my local public hospital it wouldn't of cost a thing.

This luxury insurance costs me about $200 a month, and I still can't make heads or tails of what I am actually insured for?