The lack of respect by insurance companies is startling. Insurance companies effectively govern what care people receive, rather than doctors. I paid almost $10

The lack of respect by insurance companies is startling. Insurance companies effectively govern what care people receive, rather than doctors. I paid almost $1000 last year for a sleep study to diagnose sleep apnea, because my insurance company wouldn't cover it -- I wasn't high-enough risk. Turns out, I have severe obstructive sleep apnea. I'm just glad I was in a financial position to pay for the study myself.