Now you've got it. If you cause the insurance companies to lose money by your utter insistance on getting sick or injured, you don't deserve to be treated. That shit insurance policy you got from Shoneys is the minimum the company is required to offer you by law. Try actually using it when you get sick. Some pimple-faced insurance fuck will have to approve it (which he won't), you'll have to get three separate medical opinions to determine that your leg is indeed detached from your body, and, you will have to be treated at a hospital 160 miles away where your insurance company has a contract.