With my leukemia, I get treatments for immune problems on a near-monthly basis, and was in the hospital eight times in the last twelve months. The treatments are around the cost of an IVF, and the hospital stays aren't cheap. (Mostly, I sit around and they pump IV antibiotics in me.)

Is this unforseen? Well, I got this plan in 1983, and yeah, it was unforseen then. Is it catastrophic? Yep.