All this crap just because people have come to expect medical insurance to work miracles. It's like having car insurance that pays for oil changes and gas.

I could imagine pulling into the gas station...

Let me see you're gas gage. Hmmmmmm... interesting. Looks like you'll need a complete fillup. Don't worry, your insurance covers premium.

Two months later you get a bill from the gas station for $53,235.56 You call your car insurance company and find out that it only covers generic premium gas. Plus there's that oil change that was with regular oil that accidentally got coded for synthetic so it was rejected alltogether and charged to you at the non-group rate. A new oil filter cost $10 over the counter at the auto parts store, but they used your belts, hoses and filters prescription plan which covers it with a mere $20 copay.