The pediatric dentist had delivered bad news. Our son needed oral surgery on not just one or two teeth, but on multiple teeth. And given the extent of the dental work anticipated and our son’s medical history, the procedures would need to be done in a hospital and under anesthesia. I began reviewing the cost estimates the dentist’s office manager had given to me as my husband drove us home. Hospital operating room + anesthesiologist + dental work = big bills. And it wasn’t just about the additional medical and dental expenses. (Though those were sufficient stress alone.) It was also that, due our son’s other medical needs, he’d already…