I've read similar comments of yours in other threads, and have thought them on point. I certainly don't see "insurance" companies as the single source of bad of

I've read similar comments of yours in other threads, and have thought them on point. I certainly don't see "insurance" companies as the single source of bad of the whole system. Personally, I just got done dealing with an 11 month billing headache spearheaded by entitled "providers" double billing, and shamelessly telling me that they don't have the resources to follow up on claims I told them needed to be followed up on, while still continuing to send me fraudulent bills with fake amounts and fake due dates. Meanwhile, despite their "bucket of stomach fluid" bureaucracy, the "insurance" company straightforwardly communicated what I should (not) be responsible for (at least until the rep I was emailing back and forth ghosted me because he got memory-holed). Heck I'm not even really a proponent of single payer versus reforming the industry so it has to abide by the common sense norms of commerce like every other industry. So the "you all" grouping falls a little flat here. But read what I wrote again - the point is that every "in network" provider of an HMO is already accountable to the HMO while providing care to their members. If an HMO wants to limit certain types of care, then that needs to be expressed to providers (through their contracts), who can immediately tell patients "As a doctor I would recommend you get this type of treatment, but while working for $HMO I cannot provide it as your plan doesn't cover it". My initial comment was phrased in terms of insurance companies, but this double approval blame game is actually more a problem with the entitlement of doctors never wanting to deal with the reality of what services cost.