I am a nursing student only four classes away from completing my degree. I've been a certified medical assistant for about five years and have worked in almost every position in a doctor's office, and in hospitals, work med, Head start, etc.
I also worked for the Affordable Care Act. What that means is I understand it and have many times gotten insurance to cover things they attempted not to originally. Don't pay for something you don't have to when you have a choice.