I completely agree with you. That is why we started Tangerine Health (https://www.tangerinehealth.co). We charge a flat rate of $25 per visit. With new policy changes to Telehealth, we also launched virtual primary care with the same pricing model. If you have insurance we accept Aetna and UHC. We are in the process of getting Blue Cross as well. I believe also doctor's office visits are covered by HSA (not 100% sure but here's a link found: https://www.foley.com/en/insights/publications/2020/03/covid...).