Since 2001, I have been a RN and Certified Case Manager within the insurance industry. I have found providers and patients, (or "members" in insurance speak), are often confused about numerous aspects of medical insurance. Matching your needs to the correct medical insurance policy is so important. Why, you may ask, should I care about any of the nuances of medical insurance? I am healthy and never sick, you say. Yep, we all think we are invincible...