[DB]

The argument is that if it doesn't cover the small things, the small things will go untreated until they turn into big things and cost even more to resolve.

A vicious circle...

[John Lenin]

The system we have now is so screwed up it needs to be scrapped. There are no mechanisms to keep the costs down, just the opposite, regulation, lawsuits, and hypochondriac's make the costs go through the roof. I know people who go to the Dr for hangnail's, that's no joke, if you don't have to pay for it it's no skin off your back.