I'll add that I also wish I could go to the doctor anytime for any reason even if it's just for a big particular pimple or a wart, and not have to think about the bill.

Not have to think is this worth spending $100+ on when it may go away on its own, or that I should just Google it instead of going to an actual doctor so I can save that money instead. This is WITH insurance btw. This is 10 fold worse with no insurance.