> Isn't some of that cost the healthcare provider's expertise and service? In theory maybe. Usually I would say these things are not exactly top priority and y

> Isn't some of that cost the healthcare provider's expertise and service? In theory maybe. Usually I would say these things are not exactly top priority and you are not getting your money's worth in the premium there. At best, of your list, you're paying for the instant availability, but what about the times where it's not instantly available? You're not paying for a guarantee of it.