This is just one example of our messed up system. Because I now find myself without health insurance, I have been forced to seek out the cheapest care possible. While I was covered by my insurance company, my treatments were being paid for through my insurance, but I still had to pay the deductible and then some. I have hemochromatosis which is a genetic disorder that allows the body to absorb too much iron. The treatment necessary to remove the excess iron is simple blood draws or phlebotomies. They remove a pint or more of blood at a time and with that, about 200 milligrams of iron are removed. The body then produces new blood less the iron. Now, when I was paying for this through my insurance, I was sent to the hospital's infusion center. They charged my insurance company around $600 per phlebotomy. The insurance company paid them a little over $375. To me, that is a lot of money to have them take a pint of blood out of me. Anyway, now that I am paying cash, I found a very well referred hemotologoist who will have his own nurses perform the phlebotomies in his office. Cost: $75 This just makes me wonder; if I was being overcharged by 500% for something as simple as a phlebotomy, how much money is being wasted on everything else when it comes to healthcare? Why would an insurance company agree to pay $375 when the same procedure could be done for $75? This is where I completely agree that basic services should be paid for out of pocket. Insurance companies have created a smorgasbord of services that they will pay for and because of this, nobody even knows how much it should cost for x or y service or procedure. But the money ends up in someone's hand at the end of the day, and for it, the consumer is receiving very little. BTW, it took 100 phlebotomies in 18 months to remove all the excess iron from my body. My insurance company paid $37,500 for this, but it could have been done for as little as $7500.