Reply #128: My experience was that not only did I pay for a monthly

[Cleita]

premium of $200 a month, with a $3,000 deductible per year, after that they only paid 80% of what they approved of as a legitimate medical expense. Also, on my $3,000 deductible, it was based again on what they approved of, so my actual medical expenses were often twice of what the approved amount was. Of course since my medical expenses up until now have been routine, I never made the deductible each year, so basically I paid the insurance company money and then I paid for my medical expenses.

I only kept the policy in case of catastrophic illness. I have recently found out that if that catastrophic illness had occurred my premium would have skyrocketed or they even could have refused to renew the insurance once my enrollment period was over. Thank god I am going on Medicare next month, but Bush is trying to eliminate that too.