Well said Greg.
Our deductible is 3,500 per person (family of 4) and 80-20 on the billing.
Last year we spent an additional 30 grand after paying premiums because they found three new nodules in my left lung. This year has been just as bad because my wife had a few procedures and my youngest daughter is missing 7 adult teeth so the cosmetic dental work is going to be close to $20.000. Funny that forced dental insurance that we have to pay for doesn't cover any of it. We are still battling with the insurance as this is actually considered necessary dental work not cosmetic. Even though they call it cosmetic.
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