Sorry to hear about all the problems you are having. I'm in a similar situation to you, bad health, unable to work etc. I have been very lucky , my vet charges very reasonable prices here in the UK. If my ferrrets need a vet urgently i know that i can have a word with the vet and come to an arrangemet to pay a little each week, if necessary. I also take all the change from my purse on a monday and friday and put it in a tin. I know it doesn't sound much, but it really does add up. It would be interesting to see the diffrences, if there are any , in vet costs between the US and the UK. I pay [UK#]26 for a ferret castration.Which includes Arnica drops for 2 days preceeding and one day after op.And a visit to check things over with the vet after 3 days. I pay a one off fee of UK#8 per ferret per consutation. [Posted in FML issue 4407]