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For your continued efforts in acknowledging the truth regarding insurance practices. This specific article is absolutely on point. I'm an attorney and very familiar with healthcare issues. I've attempted to not only understand my own insurance policy (when I had healthcare insurance-I'm currently working for myself and cannot afford it even though I'm in optimal physical condition), and for relatives when they have been wrongfuly denied coverage. When an employee is on an employer based plan, an employee usually gets a one page summary (at most) of the benefits plan. They are then directed to the administrator with any questions. The administator will tell them to go online for a breakdown of their particular plan. (sounds easy for the most part--for the generation still working). Once one signs into their online benefits page, however, one quickly realizes that one has more questions than answers about one's coverage. Thus, one is directed to an insurance number for the plan. Upon calling the insurance number, one is directed to the plan administrator--many questions are meant to be left unanswered so claims can be easily denied, or to create a frustration level and insureds will surrender. It's nothing short of criminal.