[mnm1]

Then they shouldn't be allowed to conduct business. Of course I expect them to cover all emergencies period. How they do that, I don't really care. If it were up to me, I'd ban these monstrous leeches from society altogether and only allow them to offer supplemental plans. They clearly can't do their own job so they should be replaced by a program like Medicare or Medicaid that can do the job. Would you accept a car insurance policy that only covers some accidents? That's beyond ridiculous.