$5 million cover under a Shield plan

Some Shield plan offers a cover of $5 million. This is a marketing gimmick.

To my knowledge, out of 2 million people who are insured for the past 10 years, nobody has ever accumulated a lifetime bill of more than $300,000. Most of the large bills are probably less than $100,000.

Do not be frightened into buying a Shield plan because you have have to incur $5 million in medical bills. This is not possible.