As usual you're right John. It's not only that we are willing to pay but too few even know what they are paying. Why should they care "my insurance covers it". Then they wake up one day and have to pay for the insurance. Now the system is busted. I think we should receive payment from the insurance and be forced to cut a check to each and every provider. When is the last time you've heard of anybody pricing a pediatrician? I know first hand that if you're paying out of pocket, doctors will get quite aggressive with their pricing. Who really cares as long as they have insurance?