Survey about health insurance. (Please?)?

Do you have health insurance? If no is it because it's too expensive? Is it because you don't qualify due to an existing condition? Is it because you want to pick your own doctors? Is there some other reason? If yes is it worth what you pay for it? Does it include dental? If so do you pay extra? What about vision? If so is that extra? Do you get to choose any doctor or is there a list of preferred providers? Does it cover prescriptions? Are you satisfied with it? Have you ever been unjustly denied a claim? Have you ever been burned by the "preexisting condition" clause? Overall would you say that insurance is a scam/racket? Comments? (Besides that this was long--Sorry.)
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I no longer have health insurance, because my husband got sick last year and was aunable to return to work. We took the Cobra option for him and dental and eyeglass for the family. because of his condition, he had to be transferred to an "out of netwrok" hospital. The insurance refused to pay the bill that is in excess of $150,000.00. The hospital has been fighting it out with the insurance since then and we are aying $200.00/month to the hospital just in case the insurance doesn't come through. So, we are paying nearly $1000.00 for coverage that won't pay the bills. he sill has o go to that hospital once per month for tests and doctor visits. So, the total keeps rising. Sometimes I think we'd be better off just getting rid of the Cobra and paying the hospital more. I now must pay cash for doctor visits, prescriptions, etc. The dental insurance pays 90% of routine things, but nothing for anything beyond cleaning, fillings and extrations. The eyeglass is great free exam and $25.00 for glasses & you can pick your own frames. The Rx insurance that comes with the health insurance is $8.00 for generic and 30.oofor brand. But, the formulary is very limited, so most new, cutting edge medications aren't covered. I am NOT at all happy with the insurance system. Someone is getting rich while my family is spending our life savings...
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