I am so ticked off right now I could just scream. It seems that it is always a struggle to deal with health insurance companies, that somehow they love to take your payments than always try to wiggle out of paying when they should! Okay I was a single parent for several years, and a job with health insurance is an absolute must for me and my girls. Anyway three years ago I met and married a wonderful man, who is a diesel mechanic. At the time his job had no health insurance, so I added him to my family policy. I already paid for a family policy, so my, and my companies cost stayed the same. My share of the $1100 a month is just $190. This was one of the big reasons I took this job, even though it paid considerable less than my last one. Okay time passes, no objections etc. Than last April DH took a better paying job, and it does offer health insurance. However, for him alone it would cost $250 a month and the policy is really crummy. We decided to opt out, as why pay the extra money on something that won't do us any good. Now come this Febuary, and my husband has an emergency apendectomy. Of course we called it in and did what my insurance said. So everything goes well, and he is recuperating well. Guess what, now my insurance is contesting paying for this because my husband was ELEGIBLE for his own insurance through his employer. They also want to drop him from my policy!! Nevermind that I will still have to have a family policy to cover me and my two girls. Never mind that it will cost us an extra $250 a month for crappy coverage!! Anyhow I spoke with the Illinois Insurance Commisioner Office. What I found out is that my insurance co. will eventually be forced to pay for my husbands medical care, but I will have to file a complaint with the state, and it will probably take a while to resolve. In the meantime if I want to protect my credit rating, and avoid a long hassel with the providers we will need to come up with about 50K!! FYI, those posters who claim to always pay cash and say everyone should just save up for what medical service they need, please don't try to tell me we should have a couple hundred thousand sitting in the bank to cover these things! On top of that the Ins. Commision group said that yes, because of the type of company I work for, it is covered under some federal labor laws, and they can make my husband drop off my policy! Because of the high cost of healthcare they are seeing more and more families being forced to have multiple insurance policies in one family. I'm not sure about the whole Universal Health care thing BUT I do think the feds need to start regulating the health insurance companies better, and closing up these kind of stupid loopholes. Plus health insurance laws need to be the same in every state. It is ridiculous that there are always so many different rules, depending on where you live and what kind of company you work for! Forgive my rant, but I think I am going to EXPLODE!