GINGER~~ I had the same issues with insurance and being self pay... check my profile page for the details... but, I eventually decided that if I didn't do it, I wouldn't need any retirement money, cause I would either be dead or unable to enjoy it. ~~BEST WISHES ON YOUR WLS JOURNEY~~ May the world hug you today with its warmth, and love.....Pray it whispers a joyful tune in your heart.....And may the wind carry a voice that tells you there is a friend sitting in another corner of the world wishing you well!~~