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Okay, you addressed a problem I have with our PPO - Before I was insured, I went to my doctor and paid $80 for a visit. The next time I went (when I was insured), I paid a $30 co-pay. When I looked online at the charges for services, I was shocked to see that the insurance co discounted all but $15 of the charges. So, therefore my doctor has to take a cut just to accept my insurance yet hire employees to do all the paperwork to file the insurance. I think that's wrong...

And don't even get me started on the amount of $$ we shell out every year ($5,500) to go to the doctor at the most 4 times a year. It just erks me to know that I'll pay this amount year after year just because of the possiblity of having some catastrauphic problem one day..... I'm basically giving my hard earned money to the insurance company to "negotiate" 1/2 price fees for someone who has already had "the big one". Where does the excess $$ go? Or rather, whose pockets are they going in to.

My personal belief is that insurance is just another "terror tactic".... always paying for the "what if".

My husband and I are considering going to a "catastrauphic" plan only and paying cash for the "time to time" doctor visits.

One other note.... most doctors keep on hand lots and lots of samples of medication.... all you have to do is ask for them. I always ask for samples for new medications, so that I don't waste the money on the rx if I can't tolerate the medicine.