This whole insurance thing has been stressing me out for awhile now.  We have private insurance with BCBS, and we also have Medicaid as a secondary.  Our private insurance just went up $200 a month, and it's just scary trying to figure out where that is coming from.  Medicaid will pick up copays, and any extras that BCBS does not-which isn't actually very much, as our policy is a decent one.  
My youngest son has special needs, we have formula that runs $355 a month, pump bags (feeding pump) and a Mic-key (G-tube) that run about $750 a month, nebulizer (meds alone!) that are $400 a month, and that's not counting the 4 other meds he is on.  I won't even get into the GP doctor appointments, Neurologist appointments, feeding clinic appointments, TEAM clinic (Tone Evaluation And Management, for his Cerebral Palsy)  I really don't know what to think about the Universal thing.  It is nice to be able to read others experiences, ideas, information, etc.