Oh man, glad we have the ins. We do. TriCare is great. Have it because hubby is retired military. Will see if it is as great as we've experienced... have surgery set up for next Wed. for my shoulder. MRI's show a lot. I have several tears, some from aging, but some from my fall. I have fluid built up and swelling still going on from the fall. Plus, I have something that I do.. not ... remember the name of, peeling away from the ball joint bone. What? Crazy stuff. Sure was hard staying still in that machine, shoulder hurt so bad, but, you have to stay still. Or, you start over. Glad it's over. I will be in a sling for the first big holiday, and doing therapy still at Christmas. Prayers please, that this will all be worth it.