Right now I am so angry I could explode.  My daughter receives chiropractic care for a herniated disc in her back. The care is helping her back.  My insurance limit is 24 visits per calander year--that's it-no exceptions.  We have reached that limit. I called them and tried to get an extension and there is no way.  I explained that I could go to a medical doctor and have her get surgery for thousands of dollars or do this less expensive and less invasive procedure and they said "that's right".  So now I will have to pay for the visits which I am sure I can't afford right now.  I am very thankful for my kid's medical insurance but sometimes I don't think they are very logical.