> but one cleaning as a "cash payer" cost more than the annual premiums to buy insurance privately. This is my situation too. It's baffling to me. It's not rea

> but one cleaning as a "cash payer" cost more than the annual premiums to buy insurance privately. This is my situation too. It's baffling to me. It's not really "insurance" at all, it's more like a yearly Groupon. It's 0% about actual insurance, 100% about negotiated rates.