[mhays]

I don't buy that at all. It's at every level -- additional procedures, additional equipment (good for their general contractors like my firm!), additional process, and so on, way before the premiums and payouts themselves.

Here's an example. I got a mole cut off last year. The procedure was $200 or whatever. But cancer testing was also required by this clinic despite acknowlegement that it wasn't cancer. That was an extra $300. They were very upfront that it was entirely due to liability.