@blueveinedthrobber,
Yeh, I just caught that and edited.
Before I hit these ridiculously unmoneyed times, I was insurance poor - a situation I remember my parents struggling with very well. They ended up without any after scraping to pay insurance bills for years, well, decades. Looking back, the costly insurance with high deductible cost me more than the surgeries I had in 2001/2004. A crap shoot, I tell ya.