This is critical. I get these "Explanation of Benefits" from United, and they always show some enormous sticker price with a "discount." Something is clearly wh

This is critical. I get these "Explanation of Benefits" from United, and they always show some enormous sticker price with a "discount." Something is clearly whack with these discounts. It would be too much credit to call it "financial engineering". Do you know who mostly benefits from these (basically) fraudulent "discounts"?