We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
Something similar has happened with education, I think.
So medical "insurance" is no longer true insurance except at the catastrophic end. If the old model was Major Medical insurance against catastrophe, the new model is more of a medical payment system. That has changed everything.
RX: We'll check to see if this is approved.
Me: It's approved. My Dr wrote the prescription.
RX: We're checking with your insurance.
Me: How much does it cost?
RX: You'll pay $15 if it's approved.
Me: Sorry, I meant how much does it cost if I just pay cash?
RX: It'll be $15, same as if you put it on a card.
Me: How much does the prescription cost if I choose to pay full price without using insurance?