When I had insurance, I was paying close to $2000 a month, plus a $20 co-pay. The way I read the fine print on the paperwork, the maximum payout was $1,000,000 in benefits. I had this insurance for about 10 years before I cancelled it. If I had continued the insurance for the life of my work period, I easily could have paid close to the maximum payout in straight payments, not including interest. Worse, I cancelled for a period and thought about coming back. They informed me verbally that my wife would not qualify as she had not had a specific surgery to correct an issue she has. The funny thing is, they also kept refusing to do the same surgery as they stated it wasn't necessary. Unfortunately, this was also the only insurance plan available to me.