[mikeyouse]

> This may sound harsh to some people, but all insurance policies have exemptions which (at least for accident policies) more or less boil down to "if you are behaving irresponsibly and get yourself hurt through taking undue risks, we are not paying for the consequences of your foolish behavior" -- only, you know, in legalese that is defensible in court if necessary.

Some accident policies may have those features, but zero health insurance ones do.

[DoreenMichele]

All insurance policies have limits on what they will pay. Those limits come in various forms, such as:

1. What you pay out of pocket before insurance coverage kicks in.

2. No coverage for out-of-network providers.

3. Caps on how much they will cover.

Insurance is a numbers game. Rest assured, all insurance policies and all insurance providers find ways to limit how much they pay out.

You may find some means to limit payments more distasteful than others, but they all do this. It's the only way they can possibly stay in business.

[watwut]

Which are all an entirely different thing.