I was between insurance when my wife got real sick and had to go to the doctor. Other than the rude receptionist at the dr. office who just counldn't accept the fact that we had no insurance and would be paying out of pocket, it wasn't a big deal. We had to have a whole bunch of $ tests ran and found out she was diabetic. We then talked to the accounting department and worked out a payment plan and it took a couple years to pay it off.