Thanks Leah and Skies... that sounds like what I was afraid of. Even without insurance, I was *hoping* that an HSA could be used to reimburse, but it looks like not.

Thanks for the links Skies... I'll take a peek.

Gosh, nothing's ever easy, is it? Thanks!

[Edit: Didn't realize that the links were re: medicare.... I don't qualify either. But thanks... good info to look at.]