Medical costs are going thru the roof, have you ever wondered why? Same as we, the doctors and hospitals must carry insurance to cover the cost of possible law suits for mal-practice. When considering Medical Liability Insurance, they too have to consider the premium and how it will be paid. This is where you and I become involved.
If we dance, even when we must, the fiddler must be paid. Dancing is going to the doctor and the doctor is the fiddler.