Last month I had my fourth back surgery over the past 15 years. I had some additional hardware installed next to my existing hardware, to help slow down the aging process. Having had knee, shoulder, and back surgery, I am pretty much like a trained seal in dealing with the process. The painful part of this surgery process was the letter I got a copy of prior to my surgery. The insurance carrier was telling my world-renowned doctors how they should do their job and what they would pay for and would not. I hate all insurance because it’s complex, expensive, and often fails to include what we thought should have been included. I tried to read the letter full of big words that we didn’t understand. I was not worried because my doctor’s assistant assured me that all would be fine, and she would deal with the insurance carrier. The only thing I understood in “medical talk” in the letter was that they questioned how my doctor would harvest some bones from me that would be put in my back. For me, that was too much information. So, being the crazy half-Puerto Rican that I am, my mind began to come up with a solution.