well, this sort of tactic would be frowned upon :) . You technically could go in every time you have a tummy-ache but you have to be admitted in order for my insurance to pay. My agent helps me to finagle the system so that I am always admitted, but if i abused this by going there all the time, that attitude would likely change.

The idea is that the little things like a sore throat or common cold, you take care of it with your own money (it's dead cheap here) and save the insurance for the big stuff :)