we have a medical card but it has its limitations. Not all doctors accept health cards. My wife is worried about our son's health condition as for the longest time, his cough and colds seem comfortable in his body and do not want to leave him ever. Wifey searched the net for the cardiopulmonary doctor mentioned by her officemate. She is ready to make an appointment. The doctor is not covered by our health insurance and according to her officemate, the professional fee is not just double the usual but quadruple! He must be really good, huh! That is why, wifey told me that we should really have some form of health savings.