sshheeffff

I've been having unexplained health problems for 4 months now, and nearly every time I go to the doctor or get another test, my insurance declines it until I jump through the hoops of calling, asking direct questions about the bills, and for this most recent visit, I might have to have my doctor send a letter stating why this was necessary. It's very tiresome.

I HATE this about insurance. It puts a middle man between me and the service that I need. And I find that most of the time, if I ask how much something is going to be, people (doctors, hospitals, etc.) avoid telling me. I've found that most of her doctors will offer significant discounts for paying up front with cash. For physical therapy appointments, if I pay upfront in cash? $25/visit. If I have it go through my insurance? $75-125/visit. But if I pay myself, it doesn't go towards my deductible. I don't like being confused and I resent having people try to confuse me--which seems to be my insurance company's goal.

I have several questions--feel free to answer whichever ones you like. Did you teach in the U.S.(or somewhere else) before teaching at the International school? If so, what subject, if anything specific did you teach, and what are you teaching no? Also, what differences are there between your previous teaching experiences and this one? How has it changed your teaching philosophy/approach?