TexasCHLforum.com

If you have insurance, the insurance company would likely want re-imbursed also. Does he plan to re-imburse them too? Or, are you going to let them eat everything above deductibles and co-pays? If you take this option, then others insured, are effectively paying the bill. Is that fair to them?

If you have insurance you could easily exceed a normal/typical deductible. MRI, ambulance, ER (hospital), ER doctor, Radiologist, etc.

I would hate to be around your enemies if this is your friend.