I see what's going on here. It's another example of externalization of costs. Doctors have no incentive to fight the denial of insurance. They should, but it's

I see what's going on here. It's another example of externalization of costs. Doctors have no incentive to fight the denial of insurance. They should, but it's not important yet. If they have to sue you eventually for the billed cost, they will; or at least they'll sell the debt to a collection agency at some number of cents on the dollar. The Insurance company most definitely doesn't have an incentive. Once you're denied, they're off the hook. They kick it back to the provider, and ultimately to you through some debt collection agency. The only person that has an incentive is you. And now you're stuck with the cost; either in dollars or time, but what's the difference really? It's going to cost you either way. Maybe Holden Karau's approach is good and valid, but should it be converted to a paying service we're just back at square one where it's either time or money. Maybe there'll be a discount which makes it cheaper net/net, but who knows? The little person here is the patient. All the others, doctors and insurers, are the big persons. The little person absorbs the cost, whether they want to or not.