Originally Posted by Cookie

What about people with chronic disease? I must have lab work every six weeks, and office visits to a specialist every 2-3 months...it could get very expensive w/o adequate coverage.

Instead of what you've proposed, how about a provision for preventative care? 2 exams per year, plus any testing necessary ought to catch most problems before they advance. But people have to use it. Men are nortorious for letting things slide.