Let's keep in mind that some people have special needs and needs to investigate what options fills their needs the best.
BTW - Several years ago, I incurred a bill for over 160,000 dollars and wound up only paying $860. Insurance is to be chosen wisely or you will be paying extroadinary amounts of money inn OOP costs..
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"It doesn't cost "nuttin", to be nice".  MOM
I just want to do the right thing! Uncle Joe, (my hero).
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