Insurance stinks!

As Dave always says Murphy hit!  Soon as we were getting started taking off with our budget, both kids got influenza and I had to spend $300 on Tamiflu.  Luckily we had the money in our emergency fund to use.  This means that I have to get that money put back in the emergency fund, so I won't be able to put both my EMS check and rent check towards the car payment.  I was expecting to get some of that back from insurance when I turned it in, but I don't think the 1.57 check I got back from them was worth sending in for!  We apparently have a crappy prescription plan.  This will hopefully change soon, as my husband's place of employment is looking into insurance coverage!  I was pretty excited when he handed me the envelope to fill out the info!  I thought it might be a big bonus check like he's received in the past when business is going really good, but I was WAY more excited about health insurance!