Echoes, that's how we are too. We have insurance but are afraid to see the doctor. They immediately run tests or at least blood work, and since we can't be sure of the cost we can't be sure we can pay within 3 months.

It seems insane to have insurance and still be afraid to get health care.

The one exception is my hospitalization in January of this year. The psychiatric hospital IS letting me pay that off at $100 per month. I dare not miss a payment, but I'm grateful for the arrangement.

DH is doing much better. Wish I could get him out of his job--he works too many hours--but I make part-time minimum wage since I lost my full-time job in 2008.

Still, we are grateful to have each other and enough to eat, a roof over our heads, nice kids. We're blessed, but the health care system still sucks.