My thoughts exactly, Peg, but of course I am betting on improving some fairly serious things, BUT I feel so much better when I choose the alternative.

HG...I think you are right, catastrophic is what we all hedge about, isn't it? Maybe I'll look into getting that only for me. We will go ahead and get coverage for Rog because his employer will pay half and it will only cost us about one hundred per month, then.

Here's what really pisses me off. Because his employer has less than 51 employees, there is no open enrollment. Pre-existing conditions must wait for six months before coverage, so in teh emantime we'd be paying out not only my usual expenses of about $200/month, but also another almost $250, just to add me. I don't go to the doc for anything, ever, except what is related to what they consider pre-existing because otherwise I am in good condition (wanna kick my tires and look under the hood!?**BG**) Anyhow, what PO's me about that is any employer with MORE than 51 employees and there is NO WAITING PERIOD for pre-existing. So...let's punish the little guy who's trying to do right by his employees, eh?

Thanks for your comments,

kat