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I'm paying Lifetime Health Cover for a decade on my private health insurance because I let my ex handle that when she got a job that would pay for whatever plan she picked, and she managed to pick one without hospital cover. Ain't that some shit.

Do you know exactly what PHI cover you have, personally? If not, today's a good day to log into your provider's portal and just check to make sure you're not making it more expensive for yourself down the road.