American health insurance needs an additional layer of insurance where you pay in monthly and if you get sick a consultant with knowledge of health insurance co

American health insurance needs an additional layer of insurance where you pay in monthly and if you get sick a consultant with knowledge of health insurance coverage comes along and works out these things. Clearly you were mentally capable at the time, but many times people just get ripped off due to a combination of lack of understanding, will power or grief. The only other industry I can think of that waits until customers are at their most vulnerable before gouging for maximum profit is loan sharks.