I just wanted to add here Kaye, that Tyler my 11 1/2 month old has only just started to crawl and be mobile!   This I considered to be slower than all his brothers and sister as they were all walking by the age of 13 months.  He only started to sit up about a month ago unaided!  Mind you, I suspect that this is just possibly me keeping him in his bouncy reclining chair a little longer than my other babies.  Reason being that I sometimes like to keep him in one place as I am busy with housework during the day and also I like to keep him off the floor when the kids are around as they tend to bowl him over or I am worried that they will step on him accidentally.  Well, I "think" that that is the reason and hope so because like I say he is slower than the other's and it would be a concern otherwise.  He only has two bottom teeth and one top one just peeping through and his fontanelle is still very large which I worry about him bumping and another part of the reason I keep him off the floor.  He was a reflux baby funnily enough too, but only until he was 5-6 months old.  I only breast fed him for 6 weeks because of this.  I had had experience with Kyle having reflux for a while and it was very much hard work as he would be hungry again after the vomiting and of course had just drained my breasts and so although I perservered through that, when Tyler was born in January, and turned out to be the same, I tried for six weeks and then considered my sanity this time and put him on the bottle.  So there sounds like similarities with your youngest and mine.  I can appreciate how having that alone is very much hard work---nevermind to be having these financial hassles on top of all that!  I mean I complain when I have to pay anything over $3 for a script here, and I never had my babies milk on script, I just bought the stuff off the grocery store shelf as it was only a few dollars more expensive  than the standard formula for newborns.  I'm not sure if you can get it scripted here, they have all these silly rules around what they will subsidize here and at first they would give me gaviscon infant and I mixed that with breast milk or formula.  I have a feeling that the reflux is very much tied in with development.  Maybe when your baby is able to sit and roll, the muscle will not only be stonger around the abdomen but being upright will alleviate the reflux some?  (Listen me, I am assuming if baby cannot rol he/she cannot sit! So excuse me---I am assuming you have the same problem that I had with Tyler)  If it is any help, within a month and a half, he has first learned to roll, a week later comando crawl, two weeks after that he can crawl on all fours and kneel and hold the settee and I stood him up yesterday and he held himself there for over 10 seconds and we all praised him and clapped.  Also, he has nigh on had the Christmas tree on himself this week he is so mobile now!  I cannot beleive how he has come on in six weeks and he sits in the high chair now too.  He will not eat lumpy food, only the 4 month strained variety!  But he will suck on a piece of toast with vegemite or a banana.  He gags with lumpy dinners.  Like I said though, he has come on so much in six weeks that I really would not worry too much about your baby.  Six weeks from now he/she could basically be the same.  It seemingly changes within that time frame!

Hope that Carol and other's have given you some sound advice with regards your insurance company and financing of your scripts and medical care for the kids. (Of course I'll have a nip for you!  But you'd be better for it yourself by the sounds of it!   I'll have a nip for everyone actually---lol---since it is christmas! )

Regards