Oh, and from the other end ... just try to find a doctor who will even accept one of those cheapo plans. Lots of them won't even accept Medicare anymore. Nobody even wants to get into primary
care anymore because 75% of what they do is fight with ins companies trying to even get paid
(it's the stall as long as you can tactic), and because lots of them are going broke before they even
get their med school bills paid off. They don't have much time left over for actual medicine. So everyone wants to be a referral specialist for a good reason. The ins companies would make their lives hell otherwise. The way it's going, nearly all our new primary physicians are coming from other
countries, and even with that, there aren't enough of them. It's getting to be a tough field.