> what the insurance company considers allowable Why is this concept ever even deemed acceptable? Why do you get the privilege of "only paying what the insuran

> what the insurance company considers allowable Why is this concept ever even deemed acceptable? Why do you get the privilege of "only paying what the insurance company deems allowable, minus what they cover", but someone else has to pay in full? This puts you in a state where you basically require insurance to get care at a reasonable price. Where its cheaper to have coverage and pay out of pocket, than to pay out of pocket without coverage.