Ok, do you want to shoot me now or after I tell you this.? I have been in PT since last April, having only skipped about 2 months, in total, between various treatments. I have not paid one dime. My surgery cost me $100 and I think I shouldn't have had to pay that. I have Blue Cross and Tricare as a secondary that picks up my deductible. Okay, shoot! I am very lucky. I knew the day was coming when I would need a bunch of surgeries and so I got all my ducks in a row with the insurance. Maybe you should just shoot the ducks.