Well and good if a person is disiplined enough to set aside a few dollars on a regular basis to help with all the extra fees and expenses. While the medical insurance may pay all or part of the hosp, Drs, bills, in most cases there will be an extrodinary amount of travel going to the many clinics, labs, hosp. For those that live some distance from the facilities, there will be motels, cafes to take into consideration. Afflac has a cancer policy that sure comes in handy if a person is diagnosed with cancer. It pays to the individual, not the drs or hosp. (Hopefully, you can get around my spelling)