Those are good questions, Jay, that I'd like to give further thought to.

For now, I thought I'd attach a link to the story of one woman who faced medical bankruptcy. I realize she may not represent all medical bankruptcies but my sense is that she is typical.

http://www.msnbc.msn.com/id/20201807/ns/us_news-gut_check//

I'm rushing off to do some last minutes Christmas shopping and will do a little more research later today.
_________________________
Wendy

Rheumatoid Arthritis
Methotrexate, Celebrex, Plaquenil