Lindkaye-Here's a tip that may or may not work, but likely worth your time. My sister works at a PT office and they have several cases where patients cannot pay, but the PT clearly sees need. They refer to the hospital who picks up all or part of the cost under some fund (hospitals have an obligation to help those in need regardless of ability to pay, have women's auxiliary groups that raise money for funds, etc.) Ask about that. Or, you could do what I did. I went into my PMR office and announced that I was no longer going to PT because even with insurance paying, my copay was $15. Sounds reasonable, except he wants me to go three times a week, whick ends up being $180 a month. Your doctor can appeal to insurance for lots of things. If meds arent' covered, out of group specialists, etc. But you have to ask. These phone calls are hell for them. They are essentailly trying to convince a high school graduate on the other end of the line with no medical training whatsoever to give them money. If he does it, send a nice muffin basket. I assure you, it's like reasoning a favorite toy from a two year old through logic.
Hope that any of this helps-hey maybe we can get some PT sessions in your stocking this year, but not if you're a humbug!
Lori Lee