>>>However, phone calls are free as are lectronic communication...imagine if the insurance company in Nevada negotiated a reimbursement for a procedure in Delaware, where you traveled and broke your arm.
So if I wake up sick some morning, I call my in insurer Nevada. The insurer calls my doctor and negotiates a price for the visit. Then the insurer calls me back to tell me to go ahead. I then call my doctor to make an appointment. Meanwhile, the doctor’s office is having similar negotiations with multiple insurers. That doesn’t sound very cost effective for the doctors or insurers and not very convenient for users.
I give up. You are right. The math works, let’s keep obamacare.