'Prudent layperson' is here: watch out for managed care maneuvers.
D003220:Conflict, Psychological; D004636:Emergency Service, Hospital / Q000191:economics / Q000331:legislation & jurisprudence*; D006801:Humans; D019458:Insurance Coverage / Q000331:legislation & jurisprudence*; D008329:Managed Care Programs / Q000331:legislation & jurisprudence* / Q000458:organization & administration; D008484:Medicaid; D006278:Medicare; D010353:Patient Education as Topic; D010360:Patient Transfer / Q000331:legislation & jurisprudence; D014481:United States