I'm sorry if I started an inappropriate topic. This just helps remind me why part of my job is trying to help people get the most from their insurance benefits that they can, and also to do my best to help locate care and services they need that may not be covered by insurance. When I worked at the Blues there were some retiree policies that had absolutely everything possible covered and yet we had people who maxed those out. One catastrophic illness or injury can use up an entire lifetime maximum really fast. What worries me is that if an employer has the choice of laying off me or someone else - and someone else has a child with cancer (or congenital heart disease or spina bifida or ??) and I am single with no dependents - will they lay off that person so as not to have to keep paying for their ill child's care? There are no easy answers. And again, I am sorry if I opened up an inappropriate topic.