Thanks for explaining your thinking and decision making < 3 . At the moment we are battling $5600 Decipher test fee, for some reason insurance decided not to cover it at the end. I guess our "great" urologist on purpose did not declare it necessary since we insisted on it and he told us that he does not think we need it. We have $2,500 deductible so at this point we are already approaching over $ 8,000 even without future possible costs for this year. Our insurance never covers 100% even after deductible. Our cards are maxed due to inflation and cost rise first during pandemic and now due to invented "measures". I had some health issues also this year, also have $2,500 deductible and actually I canceled my foot surgery because we will not be able to pay for it on top of everything. As people in my old country say: "One can stretch as much as a comforter allows ." 😉