When the health insurance works it works great, but when it fails it fails miserably. I was reviewing my EOB’s (Explanation of Benefits) yesterday, and I came across the one indicating that I owe SW Medical Center about $248 for my last visit to the MS Clinic. Apparently, the new doctor I am seeing is not on my insurance plan, and my plan doesn’t pay for out of network care. This certainly came as a surprise since my last doctor at the MS clinic was covered. I am heavily irritated at the MS clinic right now that they did not check this. On the other hand I am also irritated at myself for not thinking to check in advance. On a plus side there is money still left in the health care flexible spending account; which mentally always seems like free money – which is good because otherwise that bill would be a pretty bitter pill!