There's a 40% chance that my underwear is on inside out.

Well, I have made my appointment for the IUD and my insurance will not cover it unless i've met my deductible.  So, it's 585, plus my co-pay.  Still going for it, though. 

The moral of the story?  If you can get an FSA, you should try to sock away at least the amount of your deductible in a year.