I don't necessarily disagree entirely with the author, and it's definitely true that the onus is to some extent on the speaker. It's just that the core of the a

I don't necessarily disagree entirely with the author, and it's definitely true that the onus is to some extent on the speaker. It's just that the core of the author's argument can be redefined as the person not being equipped for the conversation, and in that case they would need to be equipped anyway for anything useful to happen. "Preventative care" etc. is what I was referring two in the bullet point about medical insurance. If you cannot intuit that such terms have contractual definitions, you are already deeply in trouble and would need assistance to navigate the insurance situation you are in anyway. Even if the issuer clarified it a bit, you would already be in trouble for other reasons taking place elsewhere in the process or with other terms.