It's one thing to jump solely on the insurance companies, but in reality this is the end-game of a recurring problem that has multiple actors.
Step 1: People get insurance to cover medical and drug expenses.
Step 2: Because insurance pays for it and not the person on the spot the Hospitals, doctors, drug companies et al jack their prices into the stratosphere.
Step 3: To keep costs down insurance companies deny claims and add legal jargon to allow them to escape paying claims.
The cycle continues until costs get so high that a lot of people are uninsurable at reasonable costs, and those that are insured do not get appropriate care.
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