Hi all - I know it's been a while.  I'm Emily - burdened with a LOT of CC debt. Due to some unforeseen car repair expenses, plus my dh had some equipment stolen that he uses for work, last summer all the EF funds I had saved up got depleted. So the CC haven't gone down any. However I did pay off the last of the hospital bills but I still have some dental/ortho bills to pay down.

The good news is only 10 payments left on the car and less than $1k on the student debt.

HOWEVER...  My husband's car just died last week and it needs a new engine so we're not going to get it fixed (2002 model, 130K on it). If it was that alone it'd be okay, BUT starting Jan. 1 my health insurance costs are going to more than double. We either had the choice of a more than double premium or a high deductible (4K for family!). This includes prescriptions, and my dh takes some real expensive ones so  we'll probably get up to the deductible by May 1. The only good thing is that most likely in June I'll be switching companies when our contract gets recompeted and the other company still has decent health insurance. Since my husband is self-employed we don't have a choice of me switching to his policy.

My question is - does anybody know of good supplemental prescription health insurance? Is there such a thing? If we could pay like $50 or $100 a month to get back to regular copays for prescriptions it'd be worth it. I looked a little bit and found some discounted plans but they weren't enough..

Thanks!