Thank you all for the replies.
I wish that Flex Spending was an option for us but his employer doesn't offer it.
I'm going to start looking into private insurance but DH has been on blood pressure meds since he was in his early 20's and DD's medical history will probably make it nearly impossible. The COBRA cost is the same no matter how many family members we keep on so in the end, it may be the least expensive.
I'm calling DH's doctor tomorrow and asking him to fax all of his prescriptions to the mail order pharmacy so we can get a 3 month supply. We've been getting them locally since the cost is the same but they will only cover them 1 month at a time.
I'll check into All Kids again but last time I did, none of the specialists that DD sees will accept it because they're not getting paid by the state.
The only up side is that I think DH's work history will be an advantage for him. He's been at the same dealership for almost 27years. Being a journeyman auto tech, the pay is same per "book hour" no matter how long you've worked. The only difference is in how many weeks of vacation you have and seniority when it comes to layoffs. If he can find a opening, he's more marketable because he has a lot of experience and it won't cost the employer any more to hire him than it would to hire someone with less experience. Does that make sense? I'm trying to look at it as a positive.
I honestly never saw us in the predicament. The dealer has been open for over 60 years as a family business. Who would have thought that Ford would discontinue the Mercury line and that the owner's son that took over the business 10 years ago would blow through $10 Million on stupid stuff (he got into a "personal armored car business~ like everyone needs a bullet proof Hummer to drive around.
, organic ice cream and pizza business, Mike Ditka's restaurant ...)and not have any money to keep the dealer open.
Thanks again for the help!
