[curun1r]

It's not always like that. There are insurers like Kaiser that are vertically integrated that make the whole experience much smoother. At my last checkup, my doctor gave he an immunization, ordered blood tests and prescribed medication. The blood tests and pharmacy were both in the same building, so I just had to make two stops on my way out of the building that took an extra ~15 minutes. The immunization and checkup were covered by my insurance and I paid my copay for the blood work and prescription up-front just before having my blood taken and getting my medication. It was all very affordable, quick and easy and I never saw a total bill. I only got a receipt for my copay.

I've never needed any major health care from them, but I have a parent that has had both hips and a shoulder replaced with Kaiser who had a similarly simple experience.