Health trumps everything else Can you get a loan to cover the shortfall after selling the car and use the rest for healthcare? "And her quality of life is poor at the moment too due to the daily pain she is in. She either tries to sleep all day or is that full of pain killers she is like a space cadet for much of the day. Seriously not fair." after reading that again, absolutely do everything you can to go private. It's a royal pain in the backside considering you are already paying for healthcare through taxation.