Cathy Kehler, a 50-something church worker who'd never had a serious illness, was diagnosed with early-stage breast cancer last spring. Kehler's insurance, which has a $700-a-month premium, didn't cover all of her expenses and after three operations including a double mastectomy, her out-of-pocket expenses had soared to more than $8,000. Family and friends offered emotional support, along with obligatory flowers, well-wishing cards and the occasional dinner to make life easier. But what Kehler needed was financial help for the bills weighing heavily on her when she was at her weakest.