One reason to have health insurance is to avoid paying retail. The insurers get big discounts. I remember reading about particularly unscroupulous insurer that was paying the provider at discounted rates but using the retail rate to calculate what the insured owed for copayments.Philosophically, I would prefer to have a huge deductible and pay most of my expenses out of pocket. As practicle matter though, being in a PPO or HMO plan probably makes more sense.If you were seriously rich, you would probably use doctors who weren't in any plans. So all of the above wouldn't matter and what the hell, you are seriously rich and can afford the best. Regards,Baanista
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