<span>The schema will have to accommodate to make the person more easily able to perform the new task. Accommodation allows the new information to be made a part of a schema without changing the overall concepts in the schema. The schema itself stays unchanged for the most part, but the new information is more of a "tweak" to the schema than a full-on update.</span>
They may not have enough money for the bill at the time, and its easier to pay for insurance for unseen medical procedures.