That is the thing I never understood. He was a public school teacher. Teachers unions provide fabulous insurance benefits. Our district, (I checked) also provides disability coverage. My wife has been battling lung cancer for the past three and a half years and our insurance (which isn’t as generous as the one provided by the school district), covered everything with the normal deductibles. Our out of pocket was several thousand dollars, which included a five hour surgery, chemo and radiation at a cancer center run by a prominent medical school.