At their lodge finance meeting, Sam discusses their new health insurance plan. It will only increase dues $8 a month and all bills will be paid by the lodge. Later, Howard tells Sam that his doctor suggests he have an operation to correct his deviated septum. Elmo finds the timing of this operation very suspicious. Emmett and Goober confront Howard and call him a crook. They go with to the hospital to make sure Howard doesn't pad the bill. Emmett and Goober then ask Dr. Wilson about some of the expenses of the operation. Emmett and Goober decide to go see Howard at checkout time to make sure he doesn't stay longer than he should. The lodge meets and learns the health fund is heavily depleted. Goober suggests if Howard doesn't have appendicitis the lodge shouldn't pay for the extra day. Howard is out of the hospital. Goober doesn't believe someone can develop symptoms just by talking about it. Then Sam mentions hives and Goober starts itching.