I just had to say personally I don't find that paranoid. I had a client who neared $2 mil expenses with a brain tumor. He was only disabled for a short time. (Well, I guess time will tell on that one - if it causes problems down the road - he is very young). Likewise, if he had a $2 mil cap, he's used most of it up already. In ONE year.
Anyway, I actually chose a health insurance policy that has no maximum on benefits. It's one thing I look at carefully when shopping health insurance.
I am sure you are okay, and I don't know how to bridge the gap otherwise. BEsides looking for another health insurance policy. But you hear the stories these days; it doesn't take much to exhaust your health insurance.
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