ST. LOUIS, MO (KTVI-FOX2now.com) - Health insurance reform hits home for a Franklin County Family facing a $20,000medical bill. Doctors say the procedure would give a six year old girl a bright, healthy future. But the insurance company has said "no." The family says the clock is ticking, and the little girl is running out of options and time. She's on the verge of never hearing again, but her insurer won't pay for the surgery that can correct it.