Then after paying for insurance instead of, for example, funding retirement, if you do make a claim, they will have lawyers and experts at the ready to dispel your claim. And every quarter they post record profits. That is the number one problem in America - because they are the same group that has made healthcare a luxury item. In all the discussions we have about health care, maybe 10% are about doctors or possible medical conditions and 90% trying to sort through the bullshit from 30 different insurance carriers all trying to out-screw one another. It's complete bullshit. No other country on Earth has such a fucked up arrangement and we are far and away the richest and most technologically advanced nation on the planet.