Well, I worked with a family in Tennessee and the family involved a family of six. We had the husband his wife and his four kids, but he was the only family member who was making income. So the husband lines up in a major Hospital most of his medical bills are covered except for an out of network provider who was paid and decided to continue the bill him for an additional 23,000 there were multiple letters and phone calls back and forth with the insurance company and the hospital, but at the end I was able to save him the total 23,000, please if you know anybody who might be in the situation, please call me. Thank you.