[jianshen]

There will be things that your insurance plan will just randomly decide not to cover or worse, you just don't have the right kind of insurance for what you need.

Both my parents have suffered strokes. My father had to go to a step down unit which requires Long Term Care Insurance, something that I'm willing to bet most people aren't familiar with. Even that, due to changing regulations, your LTCI that you purchased decades ago most likely no longer covers today's prices. Unfortunately you just can't prepare for everything.