I can sympathize with you - and have been there before, just without the cold weather! Have you thought to seek out community charities? It is often a very private thing and they are very helpful because they know of other charities that can help. Here there is a Catholic Charity group - and you don't have to be Catholic - that helps with virtually any household expense, within reason. They will help pay electric bills or rent, too. Don't be afraid to ask you children's Doc or nurse what is available. There are often a lot of places that people just don't know about. I second the food pantry idea - a lot of churches have food pantries that members donate to weekly - and you don't have to be a member of than church to benefit. A lot of churches also have member who would donate clothing, etc. in a very private way. Ask a local pastor to pray for your family - if you are comfortable with that - and lots of times people will volunteer to help out in a number of different ways. Church congregations are very generous - and it can all be done anonymously between you and the pastor without any mention of your family's name. Sometimes those extra gently worn winter clothes and coats and shoes can really help. I've gotten to where I'm not afraid to ask - and when I can donate to another, I pay it back. In general, people are generous to those who are down on their luck. On the doctor bill problem, don't be afraid to ask your doc if they will accept ins. payments as payment in full and write off your copays. I worked for years at a medical clinic and we had many insurance only patients, especially the ones who were "regulars" as it seems your family may be. Medical care is so overpriced that insurance payments are often enough to cover the expenses anyway. Also, when you get a medical bill call and explain your situation and ask if they have a "forgiveness" or "assistance" program - many places do but don't advertise it. When my twins were born premature, I owed half of the city and just couldn't do it. I called each and every one of them and basically said, you can take what I have to offer or take nothing because I can't pay all of the bills in full at once. Most of the places I owed either wrote off the balance - they get a tax cut for this - or offered me a discount or payment plan with a very small monthly payment. If you can only pay $5 and month, then that's what they get.
I'll pray for your family - it will all work out! You sound like a very devoted mother and that's gotta count for something, right???? Here's to things looking up for you............