Yes, that max per year is adequate unless you are any owner who would go to extremes for fancer treatment, kidney transplants, etc.
VPI has a benefits schedule and I wouldn't touch it. Routine care dan be budgeted for and all it would do is make your monthly payment way more expensive. That said, Embrace has a nice wellness program as a rider and you do save a nice chunk as long as you will use the whole amount.
__________________ Crystal  , Ellie May (RIP)  , Rylee Finnegan  , and Gracie Boo🐶 |