[phil21]

> Just that the hoops aren't difficult to jump through for pretty much everyone.

The hoops are incredibly difficult, just at random.

My son was just diagnosed with T1 diabetes as a juvenile. The insurance company denied coverage for the ER visit and in-patient overnight stay after being admitted. They stated since he was not yet hyperglycemic and in acute stress that it should have been an outpatient procedure.

So what sounded like a $50 co-pay because he has good insurance, turned into a $20,000 bill out of the blue that must be fought.