I was in a benefits meeting a few years ago led by the insurance rep for our employee health coverage.
Deductibles came up.
I raised my hand and asked, "So if I go skiing for Christmas and snap my femur on December 26, it behooves me to delay any treatment until January 1, right?"
She didn't miss a beat and said, "Yes, that's correct."
There was a stunned silence in the room from that one.