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Heidi, I know you mentioned you might be willing to accept a medical card but you are not nessisarily interested in a monthly subsidy. I know many parents who feel this way and when an issue does arrise that is over thier heads, they kick themselves for not taking it as it can be difficult to get at a later date. It is for the child, so look at it that way. The funds are available federally to the state, so it's not just the state tax payer money (it is in fact tax dollars), but the money sets there for the child.
There is also an adoption "special needs" tax credit which ever road you choose to adopt. Last year it was a $10,160 per child write off. This also helps out greatly with expenses.
We are adopting our second child through our state of OR. We have been blessed with an awesome cw who gives us personal attention and we don't feel like just a number. I hope you will have this experience too.
Take care.
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