I am one of the lucky ones who is covered with just a small copay each visit. My finances are going to be somewhat tenuous in the very near future and so I am a bit concerned about meeting deductibles in the new year so I may be in the position where I will need to ask my T for some extra time to pay. It is making me feel sill to think about that. But I know that he will say it is fine based upon comments he has made over the years about not letting money stand in the way of a hard working long term client getting the help they need. I really wish money never had to enter into the dynamics.