Just recently a huge gift was bestowed upon me. The gift of no co-pays for Nicky’s supplies. This is no $20 co-pay, this should have been in the hundreds, even thousands (supplies come with a 30% co-pay), making taking care of Nicky almost impossible to afford. This was all in all a “new” issue I was dealing with. Since the ACA passed, insurance companies have been looking for ways to make more money, since their priorities lies with the stockholdersRead More →

I never once thought much, if at all, about insurance co-pays until Nicky was born. I went to the Doctor rarely, and a $20 here and a $20 there never broke my bank account. Then Nicky was born. Leaving aside the cost of bandages which the insurance refused to pay for (an ungodly amount which drove us into bankruptcy within a year), I remember clearly as if it was yesterday the day that the Doctor gave me referrals for the PhysicalRead More →