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Agreed it is really a necessity, so lets get our collective thumb out and get everybody covered by decent insurance. Calling doctors 'greedy fucks' might feel good, but greedy fucks go work in Wall Street shuffling the money for other greedy fucks, not spending 10-15 years in med school so they can deal with the worst of life's bummers. People on this forum go ape when a dealership cuts corners or they can't get OEM parts for an insurance repair, yet you are suggesting finding the cheapest provider you can find? God help us if we get to the point where medicine becomes just a commodity that goes to the lowest bidder.
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