And I really can't emphasize enough how much it sucks to do a cost/benefit analysis on going to the hospital or not. A couple of years ago my girlfriend and I were on crappy insurance (i.e. catastrophic coverage only) because that's all we could afford. She had a medium level concussion and we were debating the cost of going or not. Going and getting a cat scan was a sure way to spend $2,000 that we simply did not have. They might proscribe a painkiller, but otherwise she would sit around for a couple of days with a headache and be OK. If she didn't go to the hospital, there was a 99% chance that she would sit around and take advil and be OK. But there was that 1% lingering chance that it was worse than we thought and that not going was a horrible decision. We opted not to go to the hospital. It sucked worrying for days. Luckily she was ok in the end. But now that we have the means, my policy is that no matter what the cost, any recommended/optional healthcare gets paid for.