#1. This is going to generate useless flame wars, because most people on both sides don't know very basic facts. #2. Using a private insurance company means yo

#1. This is going to generate useless flame wars, because most people on both sides don't know very basic facts. #2. Using a private insurance company means you get, in theory, to pick a provider that matches up with your desires on how to determine what is and isn't covered.