FYI I believe they meant emergencies as in, any kind of medical service or procedure that your life may depend on. Which does not automatically mean the &quot;emergency room.&quot; I.e. a much-needed surgery, drug, testing, etc.<p>This happens all of the time, people cannot go see a doctor or receive a medication because of an insurance goof up. And then they have to wait. And wait. And legal remedies are not guaranteed to solve the problem, and such remedies should not be relied upon as a fallback for untrained insurance salespeople.<p>What exactly are you trying to convince us of? That insurance sales should be have no licensing requirements? And you&#x27;re hinging your argument on the fact that it is &quot;financial&quot; and not &quot;health&quot; related (which like I said above is not true). In that case are you also in support of getting rid of licensing and other regulations in the banking and finance industry?