I have like 6 million bills, and for everyone I get from a doctor, I get a letter from them, aetna, denying payment, until I fill out a form saying I have no other insurance . When it pays, it pays well, but you have to fight for every dime. I too have refinanced, and withdrew from my 401k DS, so dont feel like the lone ranger, Just glad I was lucky enough to have something to refinance and withdraw. For a child or a spouse, what wouldnt you do?