We still haven't received the bill from the Loma Linda Stroke center in Murrieta California where the ambulance took Jim initially. But the ambulance charges of $4K arrived and we owed $0 on that. So without insurance what would we do? I have no idea. Become destitute I suppose. Well my cancer would have insured that in 2008 and I'd have died anyway because we couldn't have afforded to keep me alive without insurance. Of what value is medical insurance? To some it has none apparently. At least insofar as it affects others.