A trip to the E.R.!?! Wheeeeee!! It's just what I wanted.

'Nothing says "I love you, Mom," like some more medicine for her diabetes, or "You're the best, Dad," like a refill of nitro tablets.

That's why the health insurance company Highmark is offering new Healthcare Visa Gift Cards—for about $5 plus an unspecified shipping and handling fee, you can load it with anywhere from $25 to $5,000 to be used exclusively on medical expenses.

After the first 9 months, the card emerges from the womb of "I already paid for this!" and starts charging you a monthly $1.50 maintenance fee.

Won't your kid be excited come Christmas morning when she finds out her staph infection is going to get treated?!'

Insurer Says, "Turn Medical Costs Into Holiday Gifts!"