I've been down-sized AGAIN...now I'm supposed to pay my health insurance three months in advance, if I want coverage! After being down-sized three times in two years...my savings has dwindled to just about nothing. Where do these insurance companies think people are supposed to get this money from? And, they've got you by the shorts because if you don't pay, you don't have coverage and then the doctors make you pay in advance...for me that was $150 for a doctor visit. I don't think that's going to happen...so I canceled my doctor appointment. When the insurance company does finally reinstated your insurance, it takes them forever to pay the doctor, yet we have to pay the insurance company promptly. What the heck is that! Did they ever hear the word "fair"???