People go in, they think I'm covered, you know, but the insurance companies know.

You have options.

There's a little, it gets a little more complicated.

Where did you get the insurance? If the insurance is a benefit of you working for a private enterprise, then that insurance is subject to the federal ERISA law.

And we'll talk about that in a moment.

If, for instance, someone is a Medicare beneficiary, even if they have a Medicare Advantage plan, there's a different set of procedures that may apply there.

If someone has... health insurance, for instance.

Well,