Sure, my wife and I had to deal with that not too long ago when I was unemployed and had to use the subsidized MetroPlus stuff in NYC. It wasn’t as bad as I thought it would be but it was definitely not as good as my fancy PPO I get from sexy desk jobs.
I guess what I am getting at is that insurance sort of makes things worse for everyone here. When a person comes in with good insurance the doctor has incentive to abuse it, artificially driving up costs, making it harder for people with crappy/no insurance to get the treatments they need because insurance won’t cover it. It’s a messy system.
A large part of me would prefer that we abolish private insurance entirely, but I fear that’s not likely in the states.