part of the problem here is the cost of insurance if you aren't on a group plan.

we have very few claims on our insurance. just dr visits and 1 er trip for hubby, when he got his finger caught in a treadmill motor. our regualr dr took care of him at no cost after the er visit.

our rates more than doubled in less 3 years. bcbs...went over $900 a month. i had not one visit about my back. very few rx's. this was just hubby, lil'monkey and i. we don't smoke..drink...the rates were just crazy. we couldn't afford them.

but i'm not considered disabled. we have income which doesn't classify us for help.

catch 22.

i am lucky to have a wonderful dr who is a family friend. in an emergancy..i wouldn't hesitate to call him.

but i'm not giving up trying to find something.