I've been feeling very lucky with my health insurance lately as well (though it's early enough in treatment that it could change). The only thing I'm on the hook for so far is the standard co-pay for the doctors' appointments, and the one pre-authorization I've had to get came in within a couple of hours, when the doctors thought it would take a couple of days.

flat rate co-pays no longer available in a lot of areas or from a lot of health plans. Glad that option is still available to you.

Seriously? I've never had it not be an option. And my current company is pretty small, relatively speaking.

I'm glad of it, because if I had to pay a %age of my regular ER bills, I'd be screwed. First thing I do when choosing a plan is check the flat rates.

I've been feeling very lucky with my health insurance lately as well

I understand this. When I was sick a few years ago (8 years ago now!! Cancer-free for 7 years, babee!), I ended up paying something like $200 out of pocket and that was it. Considering all the tests, scans, radiation, and 2 surgeries? That rocked. I was truly very very lucky.

7 years! Wooot!

When I was sick a few years ago (8 years ago now!! Cancer-free for 7 years, babee!), I ended up paying something like $200 out of pocket and that was it. Considering all the tests, scans, radiation, and 2 surgeries? That rocked. I was truly very very lucky.

This is AWESOME on so many levels.

The penultimate day of my Aussie friend's stay here, she had to go to the ER with a kidney stone. (Yay for getting it BEFORE the 21 hour flight rather than during).

$6000.

And that was after she negotiated it down. Which I didn't know you could do, but she pointed out that she was a tourist. I just sent her the bills from the ER; hopefully her Oz insurance will cover a lot of it.

Yay cancer free!

I don't have many choices with my health care. We have one HMO plan through work, and it's 20/80 for surgical procedures (the most expensive, of course). The copays in network for normal doctor's visits and such are very reasonable, but nsm big stuff. Now I know.

As for the certification, it's completely voluntary. Teachers need state certification to teach in public schools (none needed for private schools), but the national certification is basically a big, expensive feather in your cap. Kat is certified as well, but we are rarities. I don't know what the numbers are now, but when I got certified in 2001, there were only 50,000 of us in the country.

And that was after she negotiated it down. Which I didn't know you could do, but she pointed out that she was a tourist. I just sent her the bills from the ER; hopefully her Oz insurance will cover a lot of it.

I'm pretty sure it wouldn't be covered under Medicare, being outside the country. I always get travel medical insurance for that reason, which should be pretty comprehensive. (I would especially do so for travelling to America, for I have been billed by American doctors before.)

I always get travel medical insurance for that reason, which should be pretty comprehensive.

She had this as well. I wouldn't have even thought of it.

She had this as well. I wouldn't have even thought of it.

That should be fine then, she should be covered for the bill (maybe a capped copay).