Phil is completely phucked the first time he comes down with something more serious than the sniffles.
If he thinks it is going to get easier to be seen by, say, a gastroenterologist for the inevitable ulcers he will get from alcohol abuse, or a cardiologist for the thrombosis his sedentary lifestyle will cause, or a proctologist to remove my size 11 Doc Maarten from his asshole the next time he jokes about fucking with Jasper, he’s woefully mistaken. Specialist offices in my area are some of the most plentiful per capita and they are scheduling months out now. If COVID is even a fraction of what it was last fall/winter his only hope of getting treatment is an ER visit, which will BTFO his shitty insurance. He’ll be doing weekly marathons for months to pay it off.
ETA: Phil is of the age that it is time for him to be getting yearly prostate exams. He will not be doing this because he is too lazy and I guarantee he is terrified that he will pop a stiffy and cum his boxers if he has it done. It will bite him in the ass, pun intended.