@RABEL222,
I get your point in a big way.
I note that the insurers sound really generous, though. While they do in fact (depending on the plan) pay much, or all of the amount medicare doesn't cover, when they pay the 20% not covered, that is 20% of the amount medicare allows the provider to charge. While they are not being dishonest, they are most assuredly not paying 20% of the normal charge for uninsured patients. I had laser surgery for glaucoma in 2009. I had to ask to find the straight up charge, but it turned out to be about $2,100. My 20% portion after medicare was something like $120. That would have been the total loss to insurer, barring followup treatment.