I hate to suggest adding yet another layer to the US healthcare system, but you are right and it seems there is a huge space for some kind of private (third par

I hate to suggest adding yet another layer to the US healthcare system, but you are right and it seems there is a huge space for some kind of private (third party) health advocate/Sherpa - not the free ones that many health plans are offering now to find in-network doctors for you - that you PAY and in return they maximize the healthcare system for you the way that a good tax accountant/lawyer will minimize your taxes