I am in a desperate situation. i have provided medical insurance for my daughter and i and gambled that we would not have a need for hospitalizations. this year, i found a lump on my breast and a biopsy was performed which, thank God, was negative. Last week my daughter was hospitalized for a liver disorder and i had to choose a high deductible just to be able to afford the insurance premiums offered through my employer. could anyone help me with paying off my deductibles which were $3000 each for myself and my daughter?