I have insurance, but I'm beginning to wonder why, other than making it easier to be treated when my son or I need to be. I made the mistake of not checking to be sure the hospital that I had some tests done at is in the network and it isn't. The insurance paid around $100.00 of around $700.00. I was notified a couple of days ago that some test the doctor ordered are considered "unnecessary" by the insurance company, so they aren't paying that, either. I don't know how much that is. To say insurance is a rip-off doesn't begin to describe it. If it wasn't for my son, I'd drop it.