None of what you're saying has anything to do with the issue. The situation is that UHC is posting record profits but they are trying to implement a cost-cuttin

None of what you're saying has anything to do with the issue. The situation is that UHC is posting record profits but they are trying to implement a cost-cutting policy that will punish patients who make the "mistake" of not retroactively knowing their symptoms did not represent an emergency. All your points are about unscrupulous doctors but this policy punishes the patients, not the doctors.