On the flip side, my wife spends hours per month trying to get RA meds covered. Despite what her MD thinks will work, insurance wants the lowest cost treatment possibilities, regardless of efficacy and (lack of) impact on QOL.

The American health insurance system is broken. Time to toss it out and try something else.

Thanks. Yeah it sounds so. I'm glad it's not as dire as some make it sound. But I think that even if this happens 1% of the time, it's awful. I can't imagine having to think about money when dealing with health issues. It was hard enough with a cat.