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"You've come to me just in time. Your HMO is going to stop covering this."
"Your HMO won't cover this so I'm going to rub some salt in these wounds."
"You'll be awake during the entire procedure. Your HMO won't cover the Anesthesia."
"It's curiosity and your HMO won't cover it."
"I'd like to approve a second opinion but your HMO considers that experimental medicine."
"I'm afraid bleeding badly from a facelift is not covered under Trrumpcare."
'I don't think our holiday insurance covers death by kite.'
'I'll be with you shortly, just keep worrying.'
'Sorry, but being left high and dry isn't covered by your flood insurance.'
'I'm sorry, Mr. Henley, but 'the slings and arrows of outrageous fortune' are not covered by your medical.'