Oh wait.... I got a story for you guys on the insurance thing too....
So, last Dec, me and the wife went to Miami for a getaway..... she ended up getting sick and I had to take her to emerg on xmas eve.... she was there for roughly 4hrs... got some tests done, blood work, supplements and an IV if I recall correctly. Was released and we were advised to see the family doctor for a followup in 24hrs, so we ended out trip prematurely and jumped on a plane, to fly back and go to our local (covered) doctors\hospitals xmas day.
Bill for those 4 hrs in emerg.... ~$10k.
I have travel\medical\whatever insurance through work.... been fighting with them and the hospital ever since... we are now over 10 months in, and I'm being threatened with being sent to collections because the bill still isn't paid.....
Insurance is an unregulated scam just about any time you need it.... just about anywhere!