LynD. I know that everything looks so black right now. I don't know who Masss. works when it comes to insurance and help with such things but i do knw this; anyone who is able to break the cycle of alcohol addiction that persistedin a famly is worth more Kudos than I can count' so don't knock yourself. To do that, you must be a woman of some stength and guts. Never forget that. Hang in there, dear. Don't let depression talk you out of solving your problems, because believe me, there are constructive solutions out there. Huggs!