When was the last time you got a check for a credit balance from a doctor, drug company, BCBS or any other medical company?
I have been through a lot with the US medical industry while going through my wife's cancer treatment. I can tell you first hand, fiscally it's a horror. Confusion is the rule not the exception. For example, why should I pay 1/3 the price overseas for the same drug than if I bought it in the US?
How many Brits, Germans, or Frenchmen are forced to declare bankruptcy as a result of medical problems? It's the leading cause for bankruptcy in the good ol' USA. You're happy with the system, great! Do you pay for your own?
I always did, as well as for my employees, and still do for my wife's and part of my own. I have plenty of experience with the system, I hope, for your own sake, you never have to experience it