[OldSchool]

Reminds me of the ONE truly profitable piece of legal advice I've ever received from a lawyer: Having an insurance policy really only guarantees you the right to sue your insurance company if they refuse to pay a claim. He said this as we walked outdoors in a large American city and then pointed out the tallest building on the skyline - an insurance company HQ. This wasn't health insurance but the point is the same.

[jimbokun]

Isn't that true of any contract?

[OldSchool]

True, but the insurance industry is one where profits come specifically from not delivering anything.