[UrMomReadsHN]

A few years ago there was no annual limit on my plan. Not with co-pays, just co-insurance. I ended up needing outpatient treatment almost every day for over a month. Each day was a $25 co-pay. I then moved on to a once a week treatment for close to the next year. I could afford that, many people cannot. I was also lucky to be able to collect my pay while I was getting treated because my employer provided me disability. The cost just skyrocketed beyond belief and while I already maxed out my co-insurance my treatment was billed like an office visit so co-pays are treated differently.