Speaking of insurance companies, they are putting alot of things in jeopardy for me too. I have been getting physical therapy for my neck twice a week. It is much more per visit than I thought. And just about the time I get done with that, I'll be starting PT for my knee. Plus my insurance company would hardly pay anything on the ambulance from my accident in February. I owe the ambulance co. a huge amount of money. They charged $1500 for a 12 mile transport. There are other things that have happened this year that weren't covered either, and I bring in a VERY small salary and have a 79 year old mother that lives with me. We barely get by. I am going to have to stop the PT on my neck, and hope that I can save up some money or work something out with the PT people so that it doesn't literally take food off the table. I'm feeling really overwhelmed right now. Sorry. I guess I need to find a depression forum right now!