Of course I have to much going on in my life to keep all these things straight in my head. My son was hit by a car, he is 19 and just released from my health insurance 2 weeks prior the accident. They are fighting saying he caused the accident, jumped in front of the car between 2 parked cars so I do have a lawyer, but don't see much coming out of this, it's his word against the driver and so on and so on. Now, I can get the surgery covered by the state somehow. (not sure how it works) but the surgeon's office gave me a name and number of a social worker (i think) at the hospital and she told me I had to set the date up and they could start the paperwork for this and have the state pay. now my other problem, he is going to need physical therapy for his knee. My car insurance pretty much has been exhausted (It was nearly $10,000 just for the emergency room) so he needs to file for medical assistance. I don't know how that will work since he still lives with me and I'm sure they'll go by my income, but anyway, there is a waiting list for the "adult basic" medical insurance. I wrote them and asked how long is this waiting list, I don't want him to have surgery without the physcial therapy. My cobra was way to much money, it is about $380 per month and he would need at least 4 months (starting from March) to about June to cover everying. So that's what about $1,500. that I DON'T have!!!! So now I don't know what to do? Should I hold off the surgery until I find out he is approved for the medical assistanc? What if he isn't approved? Should I try and do the Cobra, I really don't have this kind of money, really that's alot of money for me. I'm stuck here and don't know which way to go. Anyboyd got some good sound advice for me?????