and they don't cover PT for shoulder surgeries, plus some of my wife's stuff was out of network. I also paid some of the bills from major surgeries that were incurred late in 2020 in 2021 because the IRS only cares when the bills were paid, so I can take a larger deduction. Medications for my daughter are also 586 a month, which isn't a deductible item.

I'm really grateful for insurance, without it I would have easily been responsible for half a million bucks.

Just a cross to bear in my life, it's taught me a lot.