I hate doctors offices...

...or maybe I should say I hate health insurance companies? Why do we pay through the nose each month for insurance we cannot use? We pay a couple hundred dollars a month to our health insurance company and they are refusing to pay for my childrens well child checks. Its not that we havent met our deductible, the bill comes back as "not a benefit". So why is it that I am paying these huge monthly fees for something I cannot use?

To top it off, the pediatric place I take my children just sent me a bill. I had 3 children who all needed well child checks - at a stinkin 150$ a pop (had I known that was what they would charge I would never have gone there) So now I have this bill for over 450$. I have made a few payments of small amounts it wasnt much but it was all we had.

In todays mail I got a bill - now I dont even know if this is legal...but my doctors office is charging an 18% (per MONTH not apr) fee for all outstanding balances regardless of whether I am making payments or not. How rediculous is that??? I am just furious!! So I send a 30$ payment and receive a bill back with a 55$ interest charge.

Someone is going to hear from me come Monday morning - this is so rediculous - GRRRR!! I feel like we just can't get ahead. We can't afford the price of fuel, we can't afford the price of gas to heat our home, and now we can't afford to even go to the doctors? What type of society do we live in that it makes it so hard to even survive?