> Also consider that everything isn't covered when your employer pays for your health insurance. Americans still have a lot of out-of-pocket costs.

I have a doctor I see every 4 months. I mentioned to her that I thought my copay probably was about what she was actually making off my visit and she said, 'if that'.

She also said insurance companies are now doing things like not approving full scripts for insulin. And demanding that she prove a 50 year Type I diabetes patient still needs insulin.