With the least possible cost, I have made full use of my medical, vision and dental (and even auto) insurance before the year is over. Feeling great! After all of the monthly premiums I had to pay, the insurance and I are even, but not break even, for minus whatever their deals with healthcare providers, they are billed for more than what I have paid them.
This is mentioned because I have friends who pay expensive premiums but never get to make use of the benefits they are covered for for the whole year. Sure insurance industry is huge business and as individuals we don’t make a dent with our claims, but we are paying, we might as well utilize it to our advantage.