This toddler's medical expenses can hit $3,000 a month. Her family says nearly every insurance claim is a battle.

To prevent pneumonia, Carrie Lazoen says her 2-year-old daughter, Emmalyn, needs a “shaky vest.” Emmy, as her family calls her, has a rare genetic condition called Aicardi syndrome. The disease — which can shorten life expectancy — affects her brain, causing seizures , vision problems and significant developmental delays. As a result, Emmy can’t walk independently. Everyday activities require careful monitoring. She can’t sit on her own or hold her head up for long.