patients are expected to determine for themselves whether the scary thing happening to them will kill them
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Yep, that takes us back to the early days of HMO's, brutal. That is why the govt stepped in with regulations. Had a friend caught in that with employers insur through Oak Ridge National Lab, it wasn't broken, so insur didn't pay.
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This is far from new. It's been written in my policy for years, which is why I tend towards urgent care.
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