[TalBlack]

The real problem is that your care cost so much in the first place. Any entity pain for care is paying for a lot more than the Dr’s time.

[gloryblaze]

The real problem is that your care cost so much in the first place.

Bingo! Americans spend about ten grand per capita on medical costs. Since a fair portion pay nothing, we can see what insurance has to cost apiece for us payers, one way or another. "It's the COST, stupid."