She paid more than $4,000 in out-of-pocket medical costs, for co-pays and medical care and prescriptions. So all together, this woman paid $10,000 -- one year. But because she never hit her deductible, her insurance company only spent $900 on her care. So the insurance company is making -- getting $10,000; paying out $900. Now, what comes in the mail at the end of last year?