Yep. The weird thing is that you can get a better price from the doctor for his/her services if you DON'T use insurance. That right there should tell everyone there is something wrong with the system.
Insurance companies just add a large bureaucracy to the system and increase the costs of service. One would think that "conservatives" would be working to do away with this bureaucracy more so than the democrats, but they don't.
And what I can never figure out why in the heck companies aren't pushing for government health care. You would think they'd be anxious to get out of the health care coverage business for their employees.