Time for another lesson in insurance, ladies and gentlemen! I've been wrestling with spoiler reveals in these chapters but let's face it, just how many Growing Up Haddock readers are actually reading this? If I reveal something accidentally, I know it won't be revealed to the general public. Probably.

Classes of Health Insurance Policies

Cliff wins the Super Smash Bros competition despite Fred's incredibly distracting advice, which is why Finn loses. Tadashi and Hiro film Cliff's"winning song" and it becomes a viral youtube video. Everyone sits down for another lesson in insurance. Adrianna, who is starting to feel a bit tired, puts her head on Erick's shoulder. Erick blushes and hopes no one will notice. Everyone does.

BAYMAX: Let us move on to the next section, Classes of Health Insurance Policies.

GOGO: Oh joy...

BAYMAX: Health insurance guards against expenses incurred through illness. Insureds are protected through two basic types of insurance contracts. The first type provides health coverage for Health care expenses and the other type provides for the loss of income ("Disability Income").

WASABI: So there are two classes, health care and loss of income, when it comes to the reimbursement of what the policies provide.

BAYMAX: Correct. Have a lollipop.

HIRO: How come you haven't been giving those out until just now?

BAYMAX: Our overlord keeps forgetting to write it.

TADASHI: That makes perfect sense.

BAYMAX: In general, most Health Insurance is written on a group basis as a benefit from an employer. Group underwriting differs from individual such that all eligible members are covered, regardless of physical condition, age, or gender.

HICCUP: Okay so... so let me see if I got this. With group policies, everyone's covered no matter what?

BAYMAX: Correct. Have a lollipop.

TADASHI: Okay next time, I'm stocking him with chocolate.

HONEY: Wouldn't that melt?

TADASHI: Ah true... I'll give you all a suggestion box then.

HIRO: Reese's!

TADASHI: Says the guy with the peanut allergy!

HIRO: It's not that bad.

FINN: I second Reese's!

CLIFF: Laffy Taffy!

ADDIE: Anything chocolate is fine but especially mint.

TADASHI: Did I not just agree that chocolate would melt?

ADDIE: Hm... Tootsie Pops?

TADASHI: Okay... that's not a bad suggestion. Actually that would be a good alternative.

WASABI: Don't we have readers who aren't American?

TADASHI: Ah yeah, I forgot. Tootsie Pops are lollipops with chocolate on the inside. And Reese's are peanut butter cups.

CLIFF: They probably already know that.

ERICK: Still a good idea, bruh. And I'm with Annie. Tootsie Pops it is.

FINN: Everyone knows you're with Annie.

Erick blushes again.

BAYMAX: In group policies, an underwriter is charged with the responsibility of not only deciding whether or not the group may be insured but also drawing the contact as to deny selection against an insurer by individuals eligible for coverage. 100% of the eligible members are covered under a Group policy.

TADASHI: How confusing.

OVERLORD KATIE: I can't really help you there; I'm not sure what it's trying to say.

BAYMAX: Then let us move on. Experience Rated Individual Health Insurance is most often underwritten to cover an applicant, their spouse, and family. Here are the major underwriting considerations used in accepting or classifying Health Insurance applicants: Types of benefits, Physical condition of an applicant and other insureds, Moral and Morale hazards, Occupation, and Deductible and Copayment amounts.

HIRO: So...

GOGO: Don't look at me.

HICCUP: In a group, accepting applicants are based on those things that you just mentioned and the health care plans cover families. Like they'd cover my beautiful wife and ridiculous children.

FINN: I resemble that statement.

ADDIE: We both do, Finnegan.

FINN: Don't call me that.

ADDIE: Make me stop.

Finn sticks his tongue out at her. She responds by sticking her tongue out at him. Readers of their series begin to wonder if this is the future of their relationship. Overlord Katie and Overlord Emily do not comment.

CLIFF: Why are you two acting so weird?

FINN: Our relationship was the topic of discussion today.

ADDIE: As was you becoming a dad.

CLIFF: WHAT?

FINN: Don't worry, it won't happen for a while.

ADDIE: But it includes angst.

CLIFF: And I'm terrified now.

ADDIE: You should be.

FINN: They haven't discussed your child's name though.

CLIFF: If it's a girl, I could name her after my dragon.

ERICK: ...Bill?

CLIFF: No, silly. Bill is her nickname. Her full name is Edna Louise Sacramento III.

FRED: That's an awesome name.

HIRO: That's a really stupid name.

TADASHI: You named our cat Snuggles.

HIRO: I WAS TWO!

HONEY: I thought your cat's name was Mochi.

TADASHI: This was the cat before Mochi.

BAYMAX: Shall we move on?

HIRO: Please.

BAYMAX: An underwriter's attitude toward group risks is generally less restrictive than individual policies because the group policies are subject to annual re-evaluation on their anniversary date. Religion, race, and nationality may not be underwriting factors regarding any health policy.

HICCUP: That's good because it would be very confusing what religion I am since modern AU me is Baptist, at least according to our overlords.

HIRO: How do you even know that?

HICCUP: Overlords Katie and Emily have had this modern AU idea for a long time about me being a retired Air Force pilot.

GOGO: Why retired?

HICCUP: That's how I lost my foot in this universe.

ASTRID: It's quite angsty and if there's an interest, they might write a few one-shots.

HICCUP: Yeah, my dad really pushed me for the military life but I had to stop and then Astrid and I got married and had Finn and Addie two years apart.

FINN: Wait, we're not twins?

ASTRID: Not this time.

ADDIE: Will this ever get written?

HICCUP: Ask the readers if they want it.

HIRO: Why is this turning into a fic plugging other fics IN DIFFERENT FANDOMS?

FRED: Best crossover ever.

BAYMAX: I think we should continue talking about insurance. Government sponsored Health Insurance plans are intended primarily for persons 65 or older and for some disabled individuals who qualify for Social Security.

TADASHI: Simple enough to understand.

BAYMAX: Private insurers provide most of the Individual and Group Health Insurance policies.

HIRO: Makes sense.

BAYMAX: Limited Health Insurance policies cover specific accidents or diseases and must clearly state "Limited Accidental Death" on the policy.

WASABI: Would the others be included in Comprehensive policies? Like those sicknesses and accidents not specifically included?

BAYMAX: Yes. This concludes the section.

Wow, this fic is officially the weirdest thing ever and I'm sorry to Big Hero 6 fans about my random plugging for my own fics. But it's less fun to write my own study sheet without my own characters.

~KateMarie999