It's hard to find an American who doesn't have a strong opinion about health care reform. And many of those opinions are fueled by a medical scare or insurance experience. Whether you're insured, un-insured, or under-insured, your story is likely unique. Even professionals, at the top of their game, worry about health insurance. Tonight, insurance notes… two personal stories of health care concerns from the diverse world of the music that is so uniquely Chicago.

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EDDIE TAYLOR, JR./ PROFESSIONAL GUITARIST I play blues, jazz and gospel. Catch me every Sunday in church. I used to watch my father play around the house. His name is Eddie Taylor. I'm Eddie Taylor Jr. He recorded with everybody you know.... from Muddy Waters to Jimmy Reed to Howlin' Wolf. He went into cardiac arrest and died on Christmas Day.

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(Video shows Taylor giving himself an insulin shot) It's easy man and it's painless. I'm dealing with high blood pressure, I'm dealing with cholesterol, I'm dealing with diabetics. It wasn't smoking, it wasn't drinking it wasn't no drugs. I was totally 100% against that. I ate the wrong foods, a lot of fried stuff.

I had a nosebleed that wouldn't stop, and my wife called an ambulance. I was on life support for 3 months. I tell everybody if you even have a headache just go to the doctor you know, cause that one headache cost me my kidney.

(Taylor shows us how medicine bag of prescription medications) This is for kidney rejections. I take about 20 pills twice a day. This is for high blood pressure. Government pay for it, but I have to pay a co-payment every day. My medication together maybe about $6000... cause the kidney pills alone's about $2000 bucks.

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We usually just go to the emergency room and give 'em the government card. Sometimes it cover, sometimes it don't. I don't like to owe anybody. It's a bad feeling. You know I'm not able to pay. (edit) But if I ever won the lottery or hit it big I'd say well here's a check.

STORY TRANSITIONS TO CARMEN LLOP KASSINGER/PROFESSIONAL VIOLINIST

I'm Carmen LLop Kassinger. I'm a violinist, free lance violinist.

I play with the Chicago Sinfonietta, I play with the Lake Forest Symphony, I play with the Chicago Philharmonic, I play for Joffrey Ballet any kind of quartet jobs and sometimes I'm lucky and play some of the Broadway shows that come into town.

Toward the end of high school I knew that this was the only thing I could think of doing.

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As a free lancer, I take every job I'm offered. In order to become a professional musician, you not only have to have a gift and incredible desire enough so that you stick it out even when you're making no money, but you also have to be in the right place at the right time. Connections count a ton in the music business.

I do not have insurance on my own. My husband playing with the Chicago Symphony has really fantastic benefits. We can go to the doctor if we're sick. We can go to the doctor when we're well. For instance, today, I took my daughter for a 5 year old checkup, and my $20 co-pay she had all her shots and she's healthy and well and hopefully will stay that way.

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I would guess... although we don't talk about it that the majority of my colleagues are buying their own insurance, so they're paying these astronomical expenses every month.

The greatest security about having insurance is knowing that I don't have to wait until I'm sick before I can go to the doctor or even want to go to the doctor because it's cost prohibitive I can go anytime that I feel the need to make sure that we stay healthy.

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