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Insurance is one of the worst things on the planet because they hardly cover you, when they see bad things they skip out even though these are the things we pay them for. I recently had surgery on my foot, and before the surgery they would cover the pay. So we went with the surgery and a month later they told us they weren't going to pay for it. WHAT! Why did they tell us they were going to pay for it if they didn't plan on paying for it! They scamed me, why shouldn't we scam them? Has insurance ever promised to pay you but didn't? If I have insurance I am expecting for them to cover me, not say they will and then don't! That is why I think having Insurance is a bad thing to pay for.