Health insurance is a necessity for our family, not just a precaution. Unlike so many other families, we are thankfully covered under my husband’s health insurance at work, but 2 of our amazing 3 children have special needs. Both of our special needs kids depend on life changing therapies. Our son has two kinds of therapy (occupational and hearing loss) and daughter has speech therapy and mental health therapy. These treatments are essential, but having more than a dozen appointments in a month can be costly when they all have a co-pay. Then we got some good news from our insurance carrier—...