The scariest thing about gamergate is that it's turned facebook and youtube comments into a fairly intelligent place. Just let that sink in for a bit.
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If someone has full coverage for every single thing that can possibly happen to them, they no longer have insurance, they are simply paying their medical bills through their insurance company. And if you're just paying your medical bills via a third party, why even have insurance companies? Why not just eliminate the middle man and pay the doctor directly?