Damn, my posts aren't going through. I agreed with CarolC's first post, and then complained that this is a classic case of what the insurance company HOPES will happen, that you'll pay for something you're afraid to use. It sucks, and is why we need government run insurance. Throw the insurance company bastards out. At least put in the public option so they have to compete fairly and can't cherry pick only healthy young people as customers, or people will switch.

SRS