Agreed, same situation here. Still, I don't believe the fictitional costs are the point where one should start fixing the system, not adding more beaurocracy. I

Agreed, same situation here. Still, I don't believe the fictitional costs are the point where one should start fixing the system, not adding more beaurocracy. Insurance rates in Europe go up every year and the quality of service goes down. If the prices were really transparent, for everyone to see & upfront that would be a first step. Shame alone at such a criminal ripoff would make some doctors think twice - let alone trigger some good ideas how the system could be changed.