My doctor does except team care. If I walk into the doctors office after May 31st for a routine check up how much will I have to pay? If I break my arm at home and go to the ER how much will I have to pay? If I notice my wrist is hurting from a non work related injury and I let it linger for a while and then go to the doctor and it leads to surgery how much do I have to pay? Do I have to pay for this insurance at all even if I don't use it? This is the best place I could think to get the answers. I don't want to be in a situation where I go to the hospital or doctor and am stuck with a huge bill as I can't afford it. Thanks guys.