I am so glad that 20 years ago i made the decision to cancel 'health insurance'. When I need to see a doctor I don't go to a general practitioner, I go straight to the specialist. When I call to set an appointment, 100% of the time they tell me I have to have a referral. I tell them to get the doctor or manager on the phone. Things change quickly when I tell them I pay cash on the spot. One time the call didn't work so I went down there and while I was at the counter explaining she couldn't deny me the appointment the doctor was walking by. I asked him for 30 seconds - and at the end of that 30 seconds he gave his employee an angry look and ordered her to set the appointment.

And while this was a pain in the butt it was still less frustrating than arguing with an insurance company. I realized that one simply has to calmly train them to comply.

If the doctor doesn't know the value of cash, If they don't agree that it's now a partnership - they aren't worth going to.

The entire medical system as it is now is a criminal enterprise.