I just had a quick discussion with my wife and it reminded me why even the insured, especially those with kids with special needs, need health care reform. What most people don't realize is that they are one issue away from being grossly underinsured and needing drastic help with healthcare costs. Here are a few examples we've heard over the past few years.

• Child has developmental delays and requires weekly Physical Therapy, Occupational Therapy and Speech Therapy that show results. Therapy co-pays are $40 per session, so that is $120 per week or $5000-$6000 more annually, not including any doctors visits.
• Child has a tracheostomy, but insurance company only covers 30 suction catheters a month or one a day. As an example of how grossly under covered this is, when our daughter has a cold, she might go through 15-20 in a day. This child's parents have to clean this sterile, disposable medical equipment multiple times a day.
• Child has feeding issues and does not eat anything solid and only drinks a special formula that costs more than $20 a day. However, insurer does not cover the cost of the formula because the child is growing and not failing to thrive.

These are just a few examples of how insurance does not mean your covered. Please add your own examples in the comments.