The big problem we have is red tape/overhead. I am currently on an employee based BCBS plan. The network has all my information, ie. Medical History, current meds etc. Every time I go see a doctor in the network I have to fill out a form that asks me for all medical information that they already have..... Tons of redundancy, which cost money and by the way every time a new person opens my file or touches that form, there's a cost. There is a consent form you have to sign when you go in to receive treatment, it has a paragraph of information that says, you agree to let anyone they choose to see your information. I had a chest x-ray and they sent it to 3 radiologists to read to get a faster diagnosis. I got 3 bills from 3 different radiologists a month later because they all read it and replied. My wife had double knee replacement surgery this year, we received bills from 7 different organizations, all staffed by the hospital, that were involved in each one of her surgeries. One of her bills was mailed to the wrong address in error, 60 days later we are getting calls from a collection agency, another hand in the kitty. There are way too many layers to our healthcare system and everybody wants the piece of the pie.