It's unfortunate that insurance companies have generally painted themselves into a corner through their perceived anti-consumer behavior, so that when they try to exert reasonable control over costs, they can be made to appear the villain. Left entirely up to caregivers, at least some doctors and hospitals would seek to exploit the system by over-treatment and/or use of unnecessarily expensive alternatives. If insurors are not permitted to distinguish between appropriate care and over-treatment, how will we ever rein in costs? I understand the argument that insurors are [just] trying to make more money, but how are we to know that doctors and hospitals don't have exactly the same motivation? How can we exercise some reasonable restraint over a health care model that is clearly out of control??