I don't know if this fits in here, but re: health insurance....
It was 1993 and we had been retired for three years, but were still tied in to an HMO in Illinois. (Had been my own business with this insurance and was not able to get a policy that would cover me in other states because of my earlier colon cancer. .)
DW suffered a critical stroke (100% recovery) but it required a $150,000 operation plus Hospital costs.
Problem is that we were living 1/2 year in Florida and we were IN Florida. HMO refused to pay, because we were supposed to live within 35 miles of the Hospital or an approved Clinic. Our Illinois Doctor was a %&*)@#% and refused to allow the operation in FL, despite the request of the #1 surgeon in FL talking to him direct. (Any out of state costs were charged against my IL MD. so he would have a reduced bonus.)
Anyway, on Dr. day off, the "Enabling Nurse" (learn that term)... ok'd the operation and all was well.
It could be one answer to "What am I missing?"