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I am definitely spoiled by having health insurance either as a hospital employee (usually superb) or through a massive academic institution with a strong union (less superb than I am used to, but obviously still great). When you said you had pretty good health insurance I definitely expected it to do more for you than what those out of pocket totals are.

I had to get a CT scan last week that I’m still not entirely sure I needed and my copay was $50 and I was bullshit about it.