I wanted to thank everyone who replied. I will read and respond to the replies as soon as I can. We have had a family emergency as my husband was diagnosed with cancer and my time has been consumed with dealing with an unethical health insurance company. His prognosis looks good IF he gets the recommended treatment. Again, insurance is being very difficult.
I want to apologize for not responding sooner. My pet peeve is when a poster starts a thread and disappears. I will definitely be back with response and follow-up questions once we get my husband’s treatment set-up.
Thanks for your time, help, and advice.