Good luck! It is crazy the out of pocket costs for a year.
what made my day today is my dad has to drive me to a zillion appts. My dad is not mushy or gushy at all. But all the car time we talk, I have never, even as a child, spent so much alone time with him. So took him to his favorite fish fry place and we had time to waste. Somehow my mom having an end stage disease and her being gone sometime came up. He never talks about this. I said, "Oh God, we're stuck with each other." He said no, he'll be moving his GF in. (totally a joke, he's not that much of an ass) He looked sad, so out popped the former hospice nurse who I thought was long gone and I asked him to tell me the story of how they met, when he knew she was the one (after first date, he told my grandmother, "you met the woman I am going to marry.") Shocked at this story, he really is the least sentimental person I know, he was even smiling! He broke up with her when he got drafted, he could be killed, he wanted her to have someone in case he never came back. She wrote him letters in bootcamp and he never opened them! His mother wrote to him that he was horrible that he never wrote back, she cries (turns out my grandmother was giving her cooking lessons!) Then he got sent to code school and found out he would be stationed a few hrs away from her for a year, he could see her every weekend. "And that's all remember." The proposal? "I think she asked me." What did he feel like on his wedding day? "sheesh, that's enough, didn't Obama do anything today? How's Bernie?" My dad is Archie Bunker minus the bigot parts, that he talked this much about my mom and love, is a miracle! He didn't make my day, he made my year!