> inconvenience and embarrassment And cost, now that insurance is playing the "we only cover ER visits that were necessary in hindsight" game. For those of us

> inconvenience and embarrassment And cost, now that insurance is playing the "we only cover ER visits that were necessary in hindsight" game. For those of us at the top of the pleb pyramid it's not so bad, but for the average person, a single mistake can be ruinous.