This is just a draft.  However, the life scenario that I would like to use is.  I am a sickly person and I consider myself blessed not wealthy so there are times that I had to choose not to go to the doctors because of finances.  Recently I had an asthma attack and I had no other choice but to go to the Emergency room even though I knew I hadn’t met my deductible for my insurance and the entire bill is on me and then I found out they could not treat me because of COVID.

The instruction is attached along with the articles and an example.