It's got to be the shoes! You go and play a game of flag football with some friends when Billy starts reliving his glory days as a strong safety in pee-wee football. After a hit that would make Ed Reed shake in his boots, you are left with a dislocated shoulder. Your insurance rocks and even though the total hospital bill was $1,380, you are only responsible for a $20 deductible and 5% of the additional charges. Type of insurance required: Total Cost to the Policy Holder: T