re: #82 ggt

Because if they pay only the named perils (what the policy states) then they get taken to court and lose. The range of services involved in covered health care has gotten so broad. The insurance model no longer applies.

Insurance is about reducing risk. It just doesn’t work the way it used to when health insurance meant 80/20.

Also, my auto insurance and home insurance does not pay for maintenance. There is absolutely no parallel between the two insurance categories, and I wish people would stop bringing them up.