 of all claims are not paid for, maybe it was 18%, are not paid for for people who have Medicare Advantage plans. And that means that if you go ahead and get the procedure anyway and you end up with a $5,000 or $10,000 or $20,000 bill or even a $500 bill for some lab work because you got it before the insurance company got around to turning you down or approving the payment, you're on the hook for it. It's going to screw up your credit.