Hi Perna Thanks for your reply

No, there was no choice. Up until 2 years ago we did have a choice, then they went to the High Deductible plan. I don't have $250 a month to put away. I don't make enough to put anything away. I already pay $480 a month for my therapy out of pocket because the previous insurance covered only short term behavioral therapy. I have tried to adjut my lifestyle to be able to put away the $250 a month for a few years but there is nowhere to cut. Frustrating.

One good thing is that my T is a network provider with this 'insurance' company so we can file a few claims to have some $$ be applied to my deductible. But we can't file 2/week or the 'insurance' company will get nosy and I won't let her give them any information. I know that sounds paranoid, but to me it sounds like protecting my privacy. So she thinks maybe 10 visits can be submitted and that will help some. I really need to get an MRI on my knee that I hurt in Sept but haven't had the money for. The only thing I can cut that isn't rent/utilities/car payment/car ins is therapy and I'm not willing to do that.. I'll limp into therapy instead. lol

Ironically, I work in the insurance field, have for 25 years. I currently superve a claims department. We process claims for people with Medicare Supplement plans.