![Rick Pollack Perspective 900x400 12-2023](/sites/default/files/2023-12/Rick-Pollack-Perspective-900x400px-12-23.png)
Some health care needs are predictable but some are not. We can plan around giving birth, having a heart bypass, or scheduling a colonoscopy. But there are also surprises, such as injuries from accidents, or a cancer that appears with no family history … or COVID-19.