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<blockquote data-quote="upswife75" data-source="post: 1129528" data-attributes="member: 43413"><p>I&#039;d love to know where on earth people are getting that Central States is such a horrible plan.&nbsp; We&#039;ve been on it for years and have paid very little out of pocket, which is saying a lot, between my medical issues, my son&#039;s bi-polar disorder, my daughter&#039;s issues and my husband having surgery TWICE last year.&nbsp; I&#039;m looking at an EoB that came in the mail last week for my husband&#039;s surgery to remove kidney stones.&nbsp; His hospital bill was $23,220.45.&nbsp; Amount we may owe the provider....$0!&nbsp; That happened twice last year.&nbsp; Also, I think he paid the urologist a whopping $35 total.&nbsp; My daughter had surgery a few years ago to remove her appendix, we paid ZERO!&nbsp; My son&#039;s bi-polar meds without insurance would cost us over $400 a month.&nbsp; We pay about $70 every 3 months.&nbsp; I get injections in my back and my head every few months.&nbsp; The total for those injections are a few thousand EACH time.&nbsp; I have never paid a penny for them.&nbsp; I go to physical therapy twice a week and don&#039;t pay anything for that either.&nbsp; MRIs, CT Scans, X-rays, all paid at 100%.&nbsp; Lab work, paid at 100%.&nbsp; My birth control costs me about $20 every 3 months.&nbsp; Womens&#039; well checks every year, including pelvic exam, pap smear, HPV testing, $0!&nbsp; Dental for my kids, $0, including cleanings twice a year and exams yearly.&nbsp; My son just had to go to the endodontist to get a root canal, the bill was $1370, we paid ZERO.&nbsp; (They also just lifted the $1500/year limit on dental, so now there is no max.)&nbsp; Two kids in braces would have cost me $3000 more than what it does now.&nbsp; Sure, we pay $20 copays for office visits to the family doctor and I wish the ER care was better, but overall, our insurance is better than the benefits of anyone I know.</p></blockquote><p></p>

[QUOTE="upswife75, post: 1129528, member: 43413"] I'd love to know where on earth people are getting that Central States is such a horrible plan. We've been on it for years and have paid very little out of pocket, which is saying a lot, between my medical issues, my son's bi-polar disorder, my daughter's issues and my husband having surgery TWICE last year. I'm looking at an EoB that came in the mail last week for my husband's surgery to remove kidney stones. His hospital bill was $23,220.45. Amount we may owe the provider....$0! That happened twice last year. Also, I think he paid the urologist a whopping $35 total. My daughter had surgery a few years ago to remove her appendix, we paid ZERO! My son's bi-polar meds without insurance would cost us over $400 a month. We pay about $70 every 3 months. I get injections in my back and my head every few months. The total for those injections are a few thousand EACH time. I have never paid a penny for them. I go to physical therapy twice a week and don't pay anything for that either. MRIs, CT Scans, X-rays, all paid at 100%. Lab work, paid at 100%. My birth control costs me about $20 every 3 months. Womens' well checks every year, including pelvic exam, pap smear, HPV testing, $0! Dental for my kids, $0, including cleanings twice a year and exams yearly. My son just had to go to the endodontist to get a root canal, the bill was $1370, we paid ZERO. (They also just lifted the $1500/year limit on dental, so now there is no max.) Two kids in braces would have cost me $3000 more than what it does now. Sure, we pay $20 copays for office visits to the family doctor and I wish the ER care was better, but overall, our insurance is better than the benefits of anyone I know. [/QUOTE]

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