Kathy
What a delemma. Of course you don't want to see her suffering, but on the other hand....
Wonder if she'd take some multi-vitamens if you bought them as a gift? Sounds like for whatever reason, her immune system is down. Could be just the season, too. It sure is bad around here. We've been fortunate so far no one has really become ill.
Maybe what a good compromise would be more for you to suggest when it would be wise for her to see a doctor than to pay for it? Or maybe spoil her with a few supplies like cans of chicken soup and such when she's sick? That would let you get to mother her a bit, yet keep the responsibility on her shoulders to go to doctor and pay for it.
A tough one.
Hugs