And I HAVE insurance

I am grateful that I have a job. My union has fought long and hard to make sure that we keep good insurance beneifits. My surgery earlier this year was billed in the thousands of dollars. I paid out of pocket less than $600. The major medical is wonderful.

The dental is...nonexistant.
There is no coverage for orthodontics. None. The allowable for cleanings and fillings is equal to what Medicaid paid, and we are still wondering if the oral surgery will come under major medical or dental. My Knight needed to have a growth removed and biopsied. It is not cancer, which is wonderful, but the lack of a catastrophic diagnosis may mean that it was medically unnecessary to remove the growth. Dentally necessary pays a lot less. Of course, until it was removed, we didn't KNOW it wasn't cancer. The growth caused dental issues which will take $500 above and beyond the $225 we paid last week. And The Magpie goes for a cleaning tomorrow.

Vision care is insanely low.
They will pay 24 dollars a year for eye exams. They will pay $14 for frames and $24 for single lense, 48 for bifocals. BRE and I went to get our eyes examined yesterday. Out of pocket, $206.00. She and I needed new frames and new lenses. Her frames were 99 dollars. Her lenses were 129. Yep, 228, and I will be reimbursed 38 dollars. MY glasses, for which I do not have the money right now, will cost me 406 all totalled. And I will be reimbursed 62 dollars

Dear heaven, what do people who DON'T have insurance do!