Insurance companies are big gambling outfits. They are gambling you won't need it and you the policyholder is gambling you will. That's a no-win situation in my book. They are out to make money but in their greed, they messed up. Now it is costing money due to their greed and stupidity.
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Yes, the greed is just over powering in a lot of cases. Insurance was never intended to pay each and every time you needed to go to the doctor.