Nope, I didn't discuss this problem with a Rabbi.Then medical insurance has nothing to do with it. Does it.
Some of those NY Rabbis are highly experienced in this sort of area. They are also utterly discrete. And being in NY there is probably nothing you can tell them that will shock them. Seems like all positives to me. Up to you.
"... They ne'er cared for us
yet: suffer us to famish, and their store-houses
crammed with grain; make edicts for usury, to
support usurers; repeal daily any wholesome act
established against the rich, and provide more
piercing statutes daily, to chain up and restrain
the poor. If the wars eat us not up, they will; and
there's all the love they bear us."
-- Shakespeare: Coriolanus, Act 1, scene 1
