Insurance calculations

Here is an example of how screwed up the whole health care/insurance industry is.

I went through and added up all of my claims on my insurance for IF related stuff.
The grand total that the insurance has been charged (or what I would have been charged had I not had insurance) is $15,188.95. WOW

The total they have actually paid (since they have agreed prices with the Dr.) is $6276.93.

That is less that half of what I would have paid had I been self pay.

I think that is so unfair. I mean the people without insurance usually can not afford insurance yet they are being charged the most for the services that they are receiving.

And another thing that really upsets me about insurance, at least here in Texas, is that none of the private policies really cover maternity. Meaning if I am self-employed and just pay my insurance privately, maternity will be MINIMALLY covered at best. Hopefully things have changed since I was looking into it 4+ years ago, but back then there was ONE company that covered maternity and that was if you had been with them a year and only up to $3000. THAT IS IT. So I guess mid-income self employed women either have to pay their own pre-natal care or they just don't get it.
We had to pay for our own care, even though we had insurance. The policy didn't cover maternity.

I don't know what the answer is to fix the problem, but something needs to be done about it. I hope whoever gets elected President will be able to, at least, get a plan started to turn this around.


I just don't understand...