text: The real problem is no insurance program is going to control the prices of services.  All you can do is manipulate how much of those cost an insurance policy will pay.  Even a great policy will limit payments to 100% of what is considered normal and ordinary charges.   All these promises are false pretenses that claim they will provide better coverage for less cost with no ill affects to you.  Really, when has such a promise ever come true on anything with insurance companies.