Insurance companies use copayments to share health care costs to prevent moral hazard. Though the copay is often a small portion of the actual cost of the medical service, it is meant to prevent people from seeking medical care that may not be necessary (e.g., an infection by the common cold).
The format is a set bracket that is largely division-based with wild cards. The top three teams in each division will make up the first 12 teams in the playoffs. The remaining four spots will be filled by the next two highest-placed finishers in each conference, based on regular-season record and regardless of division.It is possible for one division in each conference to send five teams to the postseason while the other sends just three. The greater differential between goals for and against for the entire regular season. 2  NOTE: In standings a victory in a shootout counts as one goal for, while a shootout loss counts as one goal against.
2015 Sabres Season Preview. 2013 was a year to forget for Buffalo Sabres fans. The Sabres finished the season with a record of 21-51 and had the lowest win total and points total in the NHL. It was the 3rd year in a row that Buffalo did not qualify for the playoffs and the 5th time in 7 years.