Thanks Jo*mar, we've done just that. Our out of pocket costs with meds have dropped a bunch. In reality our costs are less for her treatment now then when we had BC/BS. I do not have coverage because there is no money to spare. We are now at the wire and if it breaks we will have to sell the house adding more stress to a most stressful situation. If everything turns out ok then we can then spend a little money preparing the house for sale in a better market in my area next spring. I always think ahead and have already contacted a real estate agent just in case.