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I very much agree on the deductible.
My Uncle has gone to the emergency room four times in a month for a stomach ache (yes in an ambulance). Our family has had it. The hospital staff are so sick of him they've given him taxi fare to get home. He even complains about the food they offer him while he's there.
No one should have to pay for that POS and if he had to pay for it it wouldn't happen.
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