Cynically its as much as they think they can get. The pricing game is between the insurance companies and the providers; the end recipients of services have no

Cynically its as much as they think they can get. The pricing game is between the insurance companies and the providers; the end recipients of services have no involvement in the decision making process. Its kind of like cattle, veterinarians, and ranchers. The cattle don't have much of a say in the finances or what treatments they get. The ranchers want them to feel good to make them easier to control, but ...