In my experience, the exact moment when you fully understand your insurance policy is when you run up some hefty doc/hospital/drug bills and then your insurance company starts telling you what they will or won't cover. There is no negotiation. It's the patient v the insurance machine.

Where is this photo taken?

Where is the photo taken?

Operation Circular Reasoning ... a plan developed by the Department of Redundancy Department Planning Commision Committees on Planning.

Unfortunately, this one never ages...