And that’s about all we have to say. This post could end right here. But we want to expand our editorial horizons and that means whipping you into giving up the ghost we parasitically digest and regurgitate in the form of helpful and entertaining information.

Honestly, we don’t know much about insurance or HMO’s, except there’s gotta be some really bad stories out there. Is this because the complainants end up dead or so embittered they don’t speak out? We dunno. School us!

Send in your HMO and insurance horror stories and tips to tips@consumerist.com.

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