[Chode]

i'm talking about the VAST MAJORITY of what IS, not what should be... and if you have insurance, as most people do, but don't use it, well, then you are in effect paying twice

[Still Thinking]

You’re off the track.

I said — You can pay him cash and file for reimbursement yourself, so in effect, yes he does take insurance.

You said — the paperwork is nothing, the real cost is that without insurance, the cost is going to be high. (So even if you do the paperwork yourself you still end up paying more)

I said — No, these docs are cheaper. So, yes you can do the paperwork yourself without coming out paying more.

You said — something I don’t follow about paying for insurance but then not using it, which has nothing to do with the train of the conversation as far as I can see.