A coworker is a volunteer EMT. The majority of his calls involve going to various homeless encampments. Once there, they have to walk around and figure out who needs help. More often than not, it is a malingerer who is good at pretending. They cannot refuse transport to the emergency room. Once there, the malingerer gets free food and a respite from the heat/cold, which is what they wanted. After the trip, the crew has to delouse themselves and the ambulance, which takes a long time.

I'm not a fan of United Healthcare, and would never subject myself to their tender mercies, but why should they and other insurers end up holding the bag for colossal policy failures like the above?