All I get when reading this kind of comments are more questions then when I started. I don't want to talk about what I think or read, I choose to talk about what I live. I have had insurnce for my family of six for the past 10 years. We do not have a main doctor or do we go to the ER. When we do try a new one its alot like being around pick pockets. We are sent a copy of the visit by the insurance company each time and I have to police the bill very carfully. Over charges and double billing are rampant. Uneeded tests or meds is the next big thing. My daughter once had a weird rash on her chest. After a couple of weeks trying different over the counter creams we took her to yet another doctor. He actually wanted her to have a MRI @ a cost of 2500 buck to my insurance company, I asked for a stronger cream to try first. It took a month but cleared up. It's really the only for profit industry without a up front pricing structure. To fix a problem it needs to be identified first.