People delay medical tests because of high deductibles and copays. Who wants to pay $1000 for outpatient surgery, $5000 for a hospital stay, or $10,000 for cancer treatments? No one. Not even if you have it in savings, which most people don't. 

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The best way to protect yourself is to add a hospital indemnity plan that pays YOU if you experience any of these medical hardships.  The cost is minimal.