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The difficulty is that the majority of people have been directing to consider as well as treat health insurance as a sort of pre-paid credit card. They have been making use of it to reimburse all of their health care operating expense such as scheduled doctor visits moreover in buying economical prescription drugs. Of course it is even true that the majority of natives do lay themselves open to several amounts of health care expenses, however most of the people by no means will experience what is considered to be as a disastrous medical expenses.