Marty Traynor is vice president of voluntary benefits at Mutual of Omaha.

I recently came across an article in the New York Times by Margot Sanger-Katz headlined “Getting Sick Can Be Really Expensive, Even for the Insured.” It opens with this sentence: “When you get really sick, the medical bills may not be your biggest financial shock.”

The article goes on to say what we in the voluntary benefits market have known for years: The cost of a serious medical condition is far more than simply the cost of the medical treatment.

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