Have you ever thought about how you're going to survive financially if you get sick or disabled for an extended period of time? As in- several months? years?
Consider long term disability insurance.
I'm serious.
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Imagine:
You haven't worked in 4 months. And, you're seeing a different specialist every week, have PT twice a week and bloodwork every month, not to mention the monthly "check-in" with your PCP, who's being wonderful by keeping up with all the paperwork from the insurance folks.
the bad news:
The long-term disability insurance your company provides only kicks in if you're disabled for more than 6 months.
the good news:
No, wait. You got a better policy. It kicked in at 2 months. Yippee!
the bad news:
It only pays 50% of your salary.
the good news:
Your employer has graciously agreed to "finagle" things so that your health insurance continues uninterrupted, and without an increase in the premium because they value you and your health.
the bad news:
All those appointments are gonna cost you an extra $350 per month.
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Can you live on half of your salary now, nevermind after increased bills?
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