My elderly mother fell and broke her hip and Medicare won't cover the physical therapy her doctor recommends, and I can pay for it myself but it feels wrong that healthcare depends on having adult children with money.
More people experience this than they realize.
Personal financial capacity shouldn't determine medical outcomes, but you're confronting a system where it absolutely does.
“Where Are You with Insurance — theory and practice?”
If this sounds familiar, the Library can help you find the bigger picture.