- Joined
- Jul 28, 2008
- Messages
- 45,596
- Reaction score
- 22,536
- Location
- Everywhere and nowhere
- Gender
- Male
- Political Leaning
- Progressive
You seem to be confusing "how insurance works" with "how an individual insurance plan works."
No, insurance works like that. It's not like people get money back if they don't utilize certain services. They are covered for those services though.