What did all that have to do with the clerk, who was probably verifying IDs by instruction of the office manager or someone higher up?
If someone was fraudulently using up insurance coverage I had purchased from my family, I'd want to know about it. If the OP is alright with it though, why doesn't she just go ahead and buy a policy for a poor person and relieve them of having to go through the subterfuge?
Finally, why are DUmmies constantly browbeating and punishing lower level drones, whether it be check out clerks or commuters trying to get around their little protests or whatever, and coming back to DU and crowing about it like they just took down the CEO of a Fortune 500 company?