Thanks, Lemoncake.
(Deleted the insurance part cuz I was wrong. Out of network deductible is separate. Ugh.)

Well t did say today that her previous offer stands for weekly at a reduced rate so we'll see. I have enough in my HSA right now to cover half her rate weekly for 3 months. And they put like $124 every 2 weeks in it, mostly out of my paycheck. So. I'm still afraid h is gonna throw a fit...