Let me tell you what has turned into a colossal PITA. Since I have medical as a part of my motorcycle insurance no doctor wants to see me since they cannot bill my primary insurance until the motorcycle medical is used up. Which means i have to up front the cash since it will be forever until all the different insurances get worked out. Makes one wonder if carrying medical on the bike is worth it. And if I didn't have a headache from the concussion I would have one now.