I feel sorry for anyone who is terminally ill in this country and has to spend their time worrying about receiving medical bills because the claims are all screwed up. That is the last thing that should happen. I had some dental work done, then spent 8 months of my time afterwards straightening out the claims and talking to the insurance company. If I hadn't been persistant in getting a resolution, I would still be receiving statements years later. It's a joke. Medical insurance plays to people's fears, but if you take a good look, the system would run much smoother without it.