You do comedy as a side job, don't you? The insurance companies are a HUGE part of the problem in this country. Note the sentence in the article at the beginning about the mountain of paperwork the doctor has to deal with. That's courtesy of the insurance companies
The only thing the insurance companies work toward is to keep their profits up, and you, your doctor, and your health be damned. Not flaming you, just pointing out the experience I (and everyone you talk to, pretty much) have had with the insurance companies.
Sorry that was sarcasm.
I think yoiu are mostly right...it's up to the doctors to make their own profits, and they should never have expceted the isnurance companies to "care", as that is not the latters' job.