We had "free" access to the student health clinic included as part of our 
tuition at the University of Michigan.  Unfortunately, after a couple of 
visits, it became clear that there were apparently only two possible diagnoses, 
VD or stress!  
      Now that I'm self employed, I'm completely SOL, as are most of my 
musician friends.  Half of the bankruptcies in the US are due to inability to 
pay medical bills.  And a great many of those people HAD health insurance.  
Insane?  You bet.
   
  - Steve Mumford
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