This is my wifes account but I have questions and answers... not many answers yet. hehe About the insurance I have the same insurance, 'Blue Cross Blue Sheild', I also thought that it would be no problem getting approved. I work for Autozone, I thought that my wife would get approved... that was a big NO! What it really deals with is your husbands employer. They made a contract with the insurance company, so their are a whole lot of things that are missing in the benifits the that the company provide. Blue Cross may offer more options and better plans that would be better suited for each situation. I hope that this helps out. This would be our first post. :crying: