I live in NY about an hour outside of NYC. T has a city office and a suburb office. I see him in the burbs.

I pay $30 copay but have a max of 60 visits per year. After that it's out of pocket all the way till Jan.. That day is coming in a week or 2.

I just thought of something I'd sooner give up - Christmas presents and the whole Christmas debacle. Yeah, go ahead and call me the Grinch.