My problem is, I have really lousy insurance and effective Jan 1, I will have only hospital coverage - no doctor visits or med coverage at all. My car has been reposessed so I can only work a job on the busline and finding a new job on the bussline with better benefits has just not happened. I cant go to any clinic or specialist at this point - i have no way to pay for it. Every time I need help, I have to go to the hospital because they cant refuse treatment. All the specialty practices are big money and its one thing I have nothing of.