My individul coverage is over $430 a month! Yet I've had to pay out of pocket for every single Dr visit and test I've had done. I'm so angry about this, I'm just getting bill after bill for appointments I've had months ago, and I'm on so many payments plans I can't keep up.
Has any one here gone through the 12 month pre-existing clause??? please tell me it gets better in the second year. I can deal with it if I know that after the year is up I'll be able to go to the doctor and know I'm only having to cover the co-pay. I have so much anxiety of this.
Sorry I've had my health insurance for over a year and they do let my pay my co-pay at the dr office, but any test usually I get a bill for latter saying they didn't cover it. My blood work for pcos testing is over $1000.
I hate health insurance companies!!!! 
