I used to work for an insurer. Our entire health system is just a steaming pile of crap. Providers will double or triple bill. Hospitals raise their rates through the absolute roof so they have room for negotiations. The uninsured people more often than not get billed at the unnegotiated rate which is many times what it should be. If the insurers are short on money or profit margins are down and their stockholders are angry they end up turning down shitloads of procedures looking at the statistics for what's least likely to cause lawsuits and death. Medicare requires you to go and recertify every patient every year, Mr Johnson's an amputee, well you better get him back in to make sure he still is or you're not going to pay for DME. Half the big insurers are still running on Big iron of one form or another, FTP over SSL coming hot off of mainframe.

It's not a good look.