Not related to cost itself, but how the utilization is decided. You can go to the primary doctor for a cold it's just a pure waste of resources. It is also bad

Not related to cost itself, but how the utilization is decided. You can go to the primary doctor for a cold it's just a pure waste of resources. It is also bad for the pcp to be so transactional with insurance: it should be a relationship, which is proven to give better medical outcomes..