> my physical therapy is out of network and costs me $800/mo That part doubles what you are paying yearly and is EXTREMELY uncommon. For most Americans, an app

> my physical therapy is out of network and costs me $800/mo That part doubles what you are paying yearly and is EXTREMELY uncommon. For most Americans, an appointment that costs $800/mo is one you don't schedule because you quite literally cannot afford that and will go through bankruptcy attempting to.