I have been with the same doctor for over 20 years. He is only a couple of years older than me, and I was the 2nd patient he ever had.
I have a $25 copay, but when I have had other services done....some of the charges were crazy. But I could just call him up, he would have the billing department change the Medical Code to something else, refile with my insurance, and I would end up without a bill.
He agrees about the way Healthcare is going...so he really helps me out as he knows the "system".
And when my wife had Botox for her Migraines, it was a $1,500 charge. However my copay for a specialist (neurologist) is $50...and that was all we paid.
My insurance is pretty good it seems.
But I agree with you.....it can be a system broken by greed and will always be tested by what they can get away with.
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Everybody has a gameplan....until they get punched in the mouth.
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