Voluntary plans for medical insurance have made tremendous strides in recent years. In general, coverage for physicians' fees has been consistently increasing both in respect to the portion of the fee covered as well as a broader spread of coverage. It is almost possible now for the steadily employed individual to feel that he and his family are reasonably insured against hospital costs and physicians' fees in any situation save those of the greatest chronicity. "Catastrophic illness" policies are available even for that phase if he wishes.