The $20 is worth it. My personal belief though is that everywhere and everything is running out of money because of abuse and mis-use. Now they are having to go grasping at desperate measures to make enough money to support these wonderful places. Priority should go back to preservation and not so much free phones. I work in the ER. It is not uncommon for someone to come in un-insured and be using 3-4 cell phones. It blows my mind! And they come every time they get a runny nose. Wife had to come to ER that I work in and she also is a nurse in same hospital. We are insured to the hilt. My part is $2,000?????? How is any of that fair???? Im debating cancelling insurance because I am learning the best insurance.......is NO INSURANCE.