1. Oh, yeah. Oh, yeah.
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2. I feel terrible, yo.
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3. Brother Blood sure put up
a mean fight this time.
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4. Ahh! This circuits in my face
are aching.
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5. Ooh, good news, Titans!
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6. We've just logged enough hours
with the Heroes Union
to qualify for a free perk.
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7. - Ooh! Is it free burritos?
- No, no, Beast Boy.
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8. It's health insurance.
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9. Oh, mans, I thought it was
going to be something good.
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10. It is good.
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11. But what is
the health insurance, Robin?
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12. I'm so glad you asked, Star.
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13. Health insurance
is an agreement between you
and the insurance company
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14. that you will pay them
a certain amount
of money each month
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15. which is known as the premium.
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16. And in exchange, they will help
cover the cost of your future
medical bills.
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17. So we have to pay
for this health insurance?
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18. I thought you said
it was a perk.
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19. The perk is that
you get to pay for it.
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20. Oh, I the understand.
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21. We pay the money
to the insurance company,
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22. and then we get to see
the doctor for free.
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23. Mm, not quite.
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24. You still have to pay
a deductible.
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25. Uh, what's a duck
sitting on a table
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26. gots to do with it?
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27. Literally nothing.
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28. A deductible is simply
the amount of money
you have to pay out of pocket
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29. for health care services
before your insurance plan
starts to pay.
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30. Man, this free perk
is starting to sound
real expensive.
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31. You made the health insurance
sound like the blessing.
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32. Feels more like a curse.
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33. I knew
this would be tough,
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34. so I brought along
an expert on medical insurance
to help me explain.
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35. Everyone meet Benny.
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36. Hi, everybody,
I'm Benny the badger.
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37. Your friendly explanation
of benefits.
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38. Oh, he is the adorable.
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39. - Now that's a face I can trust.
- Duh.
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40. Yo, Benny.
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41. What's up with
this health insurance biz?
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42. Well, guys,
when you get an owie,
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43. your good friends
at the insurance company
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44. will do everything they can
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45. to make you all better.
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46. Finally! Someone's
making sense.
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47. Tell us more, Benny.
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48. Once you're all fixed up,
you can get back to
the fun things in life.
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49. Like flying kites,
miniature golf
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50. and spending time
with the people you love.
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51. Whoa, I loves kites!
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52. And I enjoy the golf that is
the teeny tiny miniature.
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53. But you have to do
your part, too!
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54. By staying away
from all the bad stuff,
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55. listed here in my handy-dandy
risk assessment book.
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56. You know, bad stuff!
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57. Like getting zapped by aliens.
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58. Being crushed by a robot.
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59. Existing!
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60. And so much more.
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61. Therefore, as long as
you avoid risky situations,
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62. you don't have to
worry about paying
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63. a bunch of money
for medical expenses.
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64. But that's not practical.
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65. Yeah, our jobs as superheroes
put us in risky situations
all the time.
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66. I thinks we should
just forget about
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67. this health insurance nonsense
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68. and get on with our lives!
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69. Fine, go head,
but without an insurance plan
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70. to help you cover
the massive cost
of a medical emergency,
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71. you're only one injury away
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72. from being plunged into
soul-crushing debt,
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73. which will cause you
to lose everything.
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74. Your house, your car,
the clothes on your back,
everything!
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75. Everything?
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76. No, man,
I don't want to lose the T car.
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77. And if we lose our clothes,
our bum-bums will be exposed.
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78. Ugh! We clearly need to sign up
for this health insurance
so we can protect ourselves.
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79. Then hand over the money
for your premiums!
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80. Then you'll be on your way
to enrolling in your very own
insurance plan.
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81. Here. Take of the money.
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82. Yeah. Give me some of that
good health insurance, too, yo.
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83. Looks like my work here
is done.
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84. Take care, Titans,
and stay safe.
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85. - Bye, Benny.
- My man.
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86. Congratulations, Titans.
You're all insured.
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87. Oh! Thank the goodness
we had Benny
to explain it to us.
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88. Yeah, Robin just confused us
with his blah-blidity-blah-blah
wordy words.
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89. Crime alert! Cinderblock
is causing chaos downtown.
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90. We've got to get there
as fast as possible.
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91. Titans, go!
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92. Can't you drive
any faster?
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93. Uh-uh! I don't want
to get into a crash.
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94. Have to pay a bunch
of medical bills. You crazy?
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95. And according to this,
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96. driving more than
ten miles an hour
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97. increases our chance of injury
by 20%.
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98. Dude, you better
slow down, bro.
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99. Come on. Come on,
come on, come on, come on.
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100. - Okay, Titans, let's move!
- Hold on!
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101. I still need to put on
the parking brake.
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102. Yeah, runaway cars account for
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103. five percent
of all hospital visits.
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104. Whatever! Are we good?
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105. Uh, yep.
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106. Great. Now let's take him down!
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107. Titans, go!
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108. Wait!
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109. This place is not the safe.
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110. There are the loose nails,
the oil slicks,
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111. and the improperly grounded
electrical wires.
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112. Whoa, whoa, whoa.
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113. The numerous
safety hazards means
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114. I might has to pay
a lots of money
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115. to that duck on the table.
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116. I am sitting this one out.
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117. - Me, too.
- Fine.
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118. Looks like it's all up to me.
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119. Ouch! Aah! Stop!
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120. Little help here!
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121. - No way, bro.
- We are the good.
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122. Ow, ow, ow! My arm.
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123. This is terrible,
Robin's really eating through
his deductible.
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124. I mean, his bill
will be enormous.
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125. Titans, listen,
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126. we're already paying a ton
of money for our premiums.
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127. Don't you think we should
at least get our money's worth
from our insurance plan?
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128. It does seem
like the big waste.
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129. I bet if we're careful,
we can take Cinderblock down
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130. without racking up
a lot of medical bills.
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131. And, this gives us
a 66% chance of surviving.
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132. I likes them odds, mama.
Now let's get that rocky fool!
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133. We did it!
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134. And without incurring
the expensive
medical procedures.
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135. I'd say we definitely got
our money's worth.
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136. Surely we can afford
a few broken limbs.
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137. Mm.
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138. And I am loving this
free apple juice.
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139. Check it out. I's a duck,
and I's now on a table.
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140. Ain't life funny?
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141. We did well, Titans,
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142. and we can rest easy
knowing that
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143. all our expenses
will be covered
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144. by our top-rated
health insurance.
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145. What is the matter, Robin?
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146. We just got
a huge bill from a hospital.
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147. It says none of our treatment
will be covered
by our insurance plan.
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148. This can't be happening!
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149. Our health insurance stinks.
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150. We should demands
to speak to a manager.
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151. There's an insurance rep
right here in the hospital.
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152. I think it's time
we pay them a little visit.
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153. It is the so very dark
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154. down here
in the hospital basement.
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155. It's giving me the creeps, yo.
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156. This is it, Titans,
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157. This doesn't look
anything like the caring,
nurturing institution
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158. Benny told us about.
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159. I am the mighty
insurance representative.
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160. Now, what brings
you pathetic subscribers
to my lair?
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161. We demand to know
why you won't cover
our medical bills!
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162. Ah, yes, about that.
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163. You haven't reached
the kajillion dollar limit
on your deductible.
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164. So the entire bill
is your responsibility!
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165. That's messed up, yo.
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166. I see what's going on here.
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167. You're trying to slither
your way out of covering
our bill.
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168. You can't just take
our money and leave us
without any coverage.
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169. You are
the dishonorable cheater!
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170. Look, you made an agreement
to help us cover
our medical bills,
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171. and we demand
that you honor it.
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172. Um, let me quote
paragraph seven, section 6B,
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173. when I say, "Make me!"
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174. I didn't want it
to come to this,
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175. but it looks like
we're going to have to fight
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176. the insurance company.
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177. Titans! Dispute the bill.
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178. You fools!
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179. No one fights
the insurance company and wins!
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180. He's right. He's too strong.
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181. Ooh, I bet I can help out!
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182. Benny!
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183. I know a way to best
this insurance snake,
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184. but it involves me
beating you all senseless.
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185. I'll do anything this guy says.
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186. Okay, then let's go!
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187. Take that!
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188. And this!
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189. What... What are you doing?
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190. Beating you at your own game.
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191. We are going to rack up
so many injuries,
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192. that we'll exceed
our high deductible,
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193. and stick you with a mountain
of medical bills.
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194. Stop! Do you know how much
a fractured pelvis costs?
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195. Please, don't!
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196. That's going to require X-rays.
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197. Now it's your turn, buddy.
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198. No!
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199. Your injuries have reached
the kajillion dollar limit,
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200. which forces me to pay up!
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201. We did it!
We beat the insurance company!
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202. The joy.
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203. Go, team.
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204. - That's what's up.
- Great job, guys!
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205. Guys?
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206. Guys!
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