FWIW, and in my personal case it's worth a LOT....
Just got the statement from my medical insurance company (Cigna - Open Access Plan) where it detailed what was billed, what the Dr's office negotiated with Cigna, what was covered, and what was not, and I was very, very pleased with what it said. There were no surprises, and, it could be that all I have to pay are the co-pays I already paid. And, even if that's not true, what I owe is < $100. That's for an office visit, exam, the endoscopy, and the anesthetist.
What I'm saying is that there is no evidence of any greed on the part of the Dr's office, nor is there any bureaucratic fumbling or meddling on the part of Cigna.
Now that I'm completely involved in health care up to my neck, it's really nice to see this. And, obviously a relief.
Just sayin'...it's not all that bad at all.