Between 2018 and 2019, Allison and her two children each underwent major surgeries. Among the three of them, they received medical bills totaling over $230,000.

Each of the three surgeries came at Allison out of the blue, and if the shock of both of her toddlers needing intensive medical care wasn’t stressful enough, a mountain of postoperative debt would have been devastating for her family.

Luckily, Allison was only liable for 5% of the combined bills. She says that peace-of-mind comes from knowing her out-of-pocket maximum for each year, “You know that no matter what happens, you’re only going to incur that out-of-pocket max. So it’s not like you’re going to have all these crazy, you know, high bills that you have to figure out a way to pay for.”

You can listen to how her health insurance provider gave Allison and her family peace-of-mind in a turbulent time here:

Healthcare works for millions of Americans every day. You can find more incredible stories like Allison’s here.